A few quick taps. No credit check. No SSN. See which programs you may qualify for — some buyers get in with as little as $0 down.*
★ Specialized homebuyer programs for self-employed buyers — as little as 3.5% down.*
Start here — tap your answer
Homeownership
*For qualified buyers; terms apply. Not a loan approval.
Just your best estimate. Your score isn't touched.
We never ask for your Social Security number.
A plan, not pressure. Nothing to lose.
Plain-English questions. Nothing sensitive.
Preliminary program matches based on your answers.
Talk with Robert or start browsing homes in your range.
A deferred-payment loan of up to 3.5% of the price (FHA) or 3% (conventional) for down payment and/or closing costs. For first-time buyers who live in the home and meet income limits.
0% interest help with closing costs (2% or 3% of the loan) when paired with a CalPLUS first mortgage.
Additional 2.5% down payment or closing cost help, paired with a CalPLUS Access loan and MyHome.
Flexible credit guidelines. When combined with MyHome, your down payment may be as little as $0 for qualified buyers.
★ Specialized homebuyer programs for self-employed buyers — as little as 3.5% down.*
CalHFA programs generally require a 640+ credit score, homebuyer education, and an approved lender. Availability and terms change; verified on calhfa.ca.gov Nov 2026.
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Read reviews on Facebook →No. We only ask for your best estimate of your credit range. The plan never runs your credit.
No. We never ask for your Social Security number.
Some qualified first-time buyers can combine an FHA loan (3.5% down) with CalHFA's MyHome assistance (up to 3.5%) so little or nothing comes out of pocket for the down payment. Closing costs, credit (generally 640+), income limits and lender approval still apply.
No. These are preliminary results. A licensed mortgage professional must verify your information before any approval.
Don't rule yourself out. Programs have different guidelines, and Robert can help you map steps to improve your buying position.
Yes. The plan and the 15-minute call are free, with no obligation.
Yes. Robert works with buyers in English and Spanish, start to finish.