CalFHA Loans

Advantages of the Cal FHA Home Loan

The CalHFA Conventional program is a first mortgage loan insured through private mortgage insurance on the conventional market. The interest rate on the CalHFA Conventional is fixed throughout the 30-year term.

Review the sections below to find out more about the CalHFA Conventional program.


$0 Down. 100% Financing.

USDA Loans are one of the last $0 down mortgages with 100 percent financing, resulting in low out-of-pocket costs.


More homes now qualify.

The USDA’s definition of “rural” is largely liberal, meaning many in small towns, suburbs and exurbs of major U.S. cities meet the “rural” requirement.


Lenient Requirements.

USDA Loans are designed to provide homebuyers with lenient eligibility requirements that help low to moderate income families purchase a home.


Competitive Rates.

USDA mortgage rates are often lower than comparable conventional 30-year fixed mortgage rates, resulting in a better deal as compared to FHA or conventional loans.