When purchasing a home there are going to be a number of factors that come into play. Location, as most have heard, is one such consideration. Of course, you want a property that is in a great location, a safe neighborhood and that features decent schools. Then there is the house itself. Is it the style you want? Does it have some or all of the amenities on your wishlist? Is it a good fit? Finally, there is the cost and consequent likelihood of getting approved for a mortgage. In some ways, this is perhaps the most important factor. And this is where Brian Decker mortgage and the California Housing Finance Agency (CalHFA) work together to help make your home buying dreams a reality. 

Did you know that CalHFA has a number of loan programs all geared toward helping first time California homebuyers qualify for a mortgage? And did you know that with some of these mortgage programs you can get assistance with closing costs and the down payment? The goal is to encourage first time homebuyers in California by providing the most attractive lending terms possible. 

Finding the Right CalHFA First Time Homebuyer Program For You!

First off, it’s important to understand that CalHFA doesn’t approve the applications themselves. Rather, they work with a network of trusted lenders. Therefore, finding a mortgage specialist who understands California mortgages and who is a reliable CalHFA partner is crucial. 

Brian Decker is one of the few loan officers to whom CalHFA directly sends business. Perhaps this is because he’s helped over 300 first time homebuyers finance their homes in the state of California. He knows the system, he understands the programs and Brain Decker Mortgage in tandem with CalHFA is a definite win-win for any new homebuyer. 

A Breakdown of Some of the Available Mortgage Programs in California for First Time Buyers

All of the programs listed below are junior loans, which, used in conjunction with CalHFA Conventional Loan Programs or CalPLUS Loan Programs, can help first time buyers defer closing costs as well as a portion of the down payment. 

  • My Home Assistance Program: Provides up to 3.5% of the home’s value. 
  • School Teacher and Employee Assistance Program: Designed for first time buyers affiliated with a California public school system. 
  • CalHFA ZIP: A zero interest program for low-to-moderate income families. 

Among the requirements: 

  • Property must be a primary residence in the state of California
  • Must be a US citizen or permanent resident
  • Minimum credit score of 660
  • Must take an approved homebuyer education course
  • Property must be on 5 acres or less


These are just a few of the innovative ways that CalHFA combined with the services of Brian Decker, loan officer, can assist first time California buyers as they pursue their dream home. It’s a matter of understanding what avenues to explore and what programs are available. 

Be sure to check out “Brian Decker Mortgages” and the numerous reviews from highly satisfied client on Yelp, Zillow and Facebook.