A Comprehensive Guide to VA and USDA Loan Combinations for Veteran Homebuyers

The CalHFA VA program offers a VA-insured loan with a fixed interest rate over 30 years, perfect for those seeking stability in their mortgage payments.

CalHFA VA Program

Discover everything you need to know about the CalHFA VA program in the sections below.

Program Eligibility

To see if you qualify for the CalHFA VA Program, review the Borrower and Property Requirements.

Borrower Requirements

• You must live in the property as your main residence; non-occupant co-borrowers are not allowed.
• Complete homebuyer education counseling and get a certificate of completion from an approved organization.
• Meet the income limits set by CalHFA for this program.
• Have a valid certificate of eligibility according to VA guidelines.
• If there are conflicting guidelines, the stricter one must be followed.

Property Requirements

• The property must be a single-family, one-unit residence, including approved condos and PUDs.
• Guest houses, granny units, and in-law quarters may qualify.
• Manufactured homes are not allowed.
• Condos must adhere to the guidelines of the first mortgage.
• If there are conflicting guidelines, the stricter one must be followed.

Interest Rate

Understanding Interest Rates

Interest rates can vary based on your financial situation, lender fees, and other factors. They can also change daily. For an accurate quote, consult a CalHFA-approved loan officer.

CalHFA doesn’t lend money directly. Instead, they work through approved lenders who qualify consumers and provide all mortgage loans. Fees may differ depending on the lender and the specific program. You can view sample Annual Percentage Rates (APRs) here.

Homebuyer Education

CalHFA places a high value on homebuyer education and counseling, believing it’s crucial for the success and satisfaction of homeowners. First-time homebuyers using a CalHFA program must complete this education.

Who Needs to Take the Course?

• Only one first-time homebuyer who will live in the home must take the course per loan transaction.

How to Complete the Course

• ONLINE: The only online course accepted by CalHFA is eHome’s eight-hour Homebuyer Education and Counseling course (fee: $99). Other online courses like Frameworks and HomeView are not acceptable because they don’t include a one-hour, one-on-one counseling follow-up session.
• IN-PERSON or VIRTUAL: Attend live Homebuyer Education and Counseling sessions through NeighborWorks America or any HUD-Approved Housing Counseling Agency (fees vary by agency).

How to Apply

Applying for the CalHFA VA Program

CalHFA’s mortgage products are offered through private loan officers who are approved and trained by CalHFA. These loan officers can provide detailed information about the programs and guide you through the home buying process.

To get started, visit the Find a Loan Officer tab and contact a loan officer in your area.

Documents to Have Ready

When contacting a loan officer, having the following documents ready can help speed up the process:

• Pay stubs
• Bank statements
• Employment history
• Previous tax returns

Download our My First Home Down Payment and Closing Cost Assistance Program Handbook  https://homesinsdcounty.com/myhome-home-purchase-assistance-program-payment-handbook-and-guide/

Combining CalHFA VA and USDA Programs

For those looking to maximize their home financing options, consider combining the CalHFA VA program with the CalHFA USDA loan program. This combination can offer additional benefits and flexibility for eligible borrowers, particularly in rural areas. The CalHFA USDA program provides a zero down payment option, which can be a significant advantage for homebuyers.

To understand how you can leverage both programs, check out our detailed video explanation. This video covers the eligibility criteria, application process, and benefits of using the CalHFA USDA loan alongside the CalHFA VA program.

Watch the video here to learn more about combining these powerful home financing options.

🏡

🏡 HomesinSDCounty: Your Trusted Real Estate Partner—Local Roots, Nationwide Reach

Brad & Karen Mattonen Coldwell Banker West
San Diego Riverside Orange County Desert Communities
📞 858-518-2875 🌐 www.homesinsdcounty.com
Top 5 Market Experts in San Diego
Ethical. Compassionate. Relentless. Results-Driven.

💼 What We Specialize In

🔹 Probate, Trust & Estate Sales
🔹 Pre-Foreclosure & Distressed Properties
🔹 First-Time Buyers, Luxury Estates, Residential & Commercial
🔹 Strategic Negotiation for Buyers & Seller

Why Work With Us?

✔️ We navigate your sale or purchase with precision—prioritizing legal compliance, safety, and protection
✔️ We help you spot risks and blind spots that others often miss
✔️ We advocate fiercely to optimize your outcome and safeguard your future
✔️ We don’t do fluff—we deliver results with integrity and strategy

💥 Explore Our Valuable FREE Real Estate Resources

✓ eBooks | ✓ Checklists | ✓ Buying & Selling Guides | ✓ Investor Tools
→ Visit our Resources Page to download now.

🔗 Follow Us Everywhere!

Get daily market updates, home tours, and no-nonsense real estate advice:

• 📺 YouTube: Subscribe for Weekly Updates
• 👤 Facebook: North County SD Home Sales
• 📸 Instagram: @sandiegocountyhomes
• 📌 Pinterest: San Diego Living & Real Estate
• 🎵 TikTok: @homesinsandiegocounty
• 🐦 X (Twitter): @SDHomesForSale
• 💼 LinkedIn: Brad Mattonen – Professional Insights

🛫 Relocating? Buying, selling, or relocating in San Diego, Riverside, Orange County—or anywhere in the U.S.? We’ve Got You Covered—Nationwide

We’re not just your local experts. and we don’t just work in Southern California—we’re backed by the powerhouse Coldwell Banker National Network and a handpicked team of personally vetted agents across the country. Whether you’re making a move across town or across the country, we ensure a smooth, strategic, and successful experience.

We’ll connect you with an agent we trust—not just someone in the directory.
📲 Message us today and let’s make that move happen.

HomesinSDCounty – Your Smart Move. Wherever Life Takes You.

🛠️ Selling Your Home? Ask Us About RealVitalize

If you need to make improvements, repairs, or updates before you sell—but don’t want to pay upfront costs—RealVitalize is your solution.

Coldwell Banker’s RealVitalize program provides:

• ✅ Professional repairs, updates, and home improvement services
• ✅ No upfront out-of-pocket costs, hidden fees, or interest charges
• ✅ Seller pays back only the amount used—at closing
• ✅ Services available before or during your home listing period
• ✅ Designed to highlight your home’s best features and maximize value

We’ll help you prep your home for sale with zero stress and maximum impact.
📲 Contact us today to learn how RealVitalize can work for you.

A Comprehensive Guide to VA and USDA Loan Combinations for Veteran Homebuyers

The CalHFA VA program offers a VA-insured loan with a fixed interest rate over 30 years, perfect for those seeking stability in their mortgage payments.

CalHFA VA Program

Discover everything you need to know about the CalHFA VA program in the sections below.

Program Eligibility

To see if you qualify for the CalHFA VA Program, review the Borrower and Property Requirements.

Borrower Requirements

• You must live in the property as your main residence; non-occupant co-borrowers are not allowed.
• Complete homebuyer education counseling and get a certificate of completion from an approved organization.
• Meet the income limits set by CalHFA for this program.
• Have a valid certificate of eligibility according to VA guidelines.
• If there are conflicting guidelines, the stricter one must be followed.

Property Requirements

• The property must be a single-family, one-unit residence, including approved condos and PUDs.
• Guest houses, granny units, and in-law quarters may qualify.
• Manufactured homes are not allowed.
• Condos must adhere to the guidelines of the first mortgage.
• If there are conflicting guidelines, the stricter one must be followed.

Interest Rate

Understanding Interest Rates

Interest rates can vary based on your financial situation, lender fees, and other factors. They can also change daily. For an accurate quote, consult a CalHFA-approved loan officer.

CalHFA doesn’t lend money directly. Instead, they work through approved lenders who qualify consumers and provide all mortgage loans. Fees may differ depending on the lender and the specific program. You can view sample Annual Percentage Rates (APRs) here.

Homebuyer Education

CalHFA places a high value on homebuyer education and counseling, believing it’s crucial for the success and satisfaction of homeowners. First-time homebuyers using a CalHFA program must complete this education.

Who Needs to Take the Course?

• Only one first-time homebuyer who will live in the home must take the course per loan transaction.

How to Complete the Course

• ONLINE: The only online course accepted by CalHFA is eHome’s eight-hour Homebuyer Education and Counseling course (fee: $99). Other online courses like Frameworks and HomeView are not acceptable because they don’t include a one-hour, one-on-one counseling follow-up session.
• IN-PERSON or VIRTUAL: Attend live Homebuyer Education and Counseling sessions through NeighborWorks America or any HUD-Approved Housing Counseling Agency (fees vary by agency).

How to Apply

Applying for the CalHFA VA Program

CalHFA’s mortgage products are offered through private loan officers who are approved and trained by CalHFA. These loan officers can provide detailed information about the programs and guide you through the home buying process.

To get started, visit the Find a Loan Officer tab and contact a loan officer in your area.

Documents to Have Ready

When contacting a loan officer, having the following documents ready can help speed up the process:

• Pay stubs
• Bank statements
• Employment history
• Previous tax returns

Download our My First Home Down Payment and Closing Cost Assistance Program Handbook  https://homesinsdcounty.com/myhome-home-purchase-assistance-program-payment-handbook-and-guide/

Combining CalHFA VA and USDA Programs

For those looking to maximize their home financing options, consider combining the CalHFA VA program with the CalHFA USDA loan program. This combination can offer additional benefits and flexibility for eligible borrowers, particularly in rural areas. The CalHFA USDA program provides a zero down payment option, which can be a significant advantage for homebuyers.

To understand how you can leverage both programs, check out our detailed video explanation. This video covers the eligibility criteria, application process, and benefits of using the CalHFA USDA loan alongside the CalHFA VA program.

Watch the video here to learn more about combining these powerful home financing options.

🏡

🏡 HomesinSDCounty: Your Trusted Real Estate Partner—Local Roots, Nationwide Reach

Brad & Karen Mattonen Coldwell Banker West
San Diego Riverside Orange County Desert Communities
📞 858-518-2875 🌐 www.homesinsdcounty.com
Top 5 Market Experts in San Diego
Ethical. Compassionate. Relentless. Results-Driven.

💼 What We Specialize In

🔹 Probate, Trust & Estate Sales
🔹 Pre-Foreclosure & Distressed Properties
🔹 First-Time Buyers, Luxury Estates, Residential & Commercial
🔹 Strategic Negotiation for Buyers & Seller

Why Work With Us?

✔️ We navigate your sale or purchase with precision—prioritizing legal compliance, safety, and protection
✔️ We help you spot risks and blind spots that others often miss
✔️ We advocate fiercely to optimize your outcome and safeguard your future
✔️ We don’t do fluff—we deliver results with integrity and strategy

💥 Explore Our Valuable FREE Real Estate Resources

✓ eBooks | ✓ Checklists | ✓ Buying & Selling Guides | ✓ Investor Tools
→ Visit our Resources Page to download now.

🔗 Follow Us Everywhere!

Get daily market updates, home tours, and no-nonsense real estate advice:

• 📺 YouTube: Subscribe for Weekly Updates
• 👤 Facebook: North County SD Home Sales
• 📸 Instagram: @sandiegocountyhomes
• 📌 Pinterest: San Diego Living & Real Estate
• 🎵 TikTok: @homesinsandiegocounty
• 🐦 X (Twitter): @SDHomesForSale
• 💼 LinkedIn: Brad Mattonen – Professional Insights

🛫 Relocating? Buying, selling, or relocating in San Diego, Riverside, Orange County—or anywhere in the U.S.? We’ve Got You Covered—Nationwide

We’re not just your local experts. and we don’t just work in Southern California—we’re backed by the powerhouse Coldwell Banker National Network and a handpicked team of personally vetted agents across the country. Whether you’re making a move across town or across the country, we ensure a smooth, strategic, and successful experience.

We’ll connect you with an agent we trust—not just someone in the directory.
📲 Message us today and let’s make that move happen.

HomesinSDCounty – Your Smart Move. Wherever Life Takes You.

🛠️ Selling Your Home? Ask Us About RealVitalize

If you need to make improvements, repairs, or updates before you sell—but don’t want to pay upfront costs—RealVitalize is your solution.

Coldwell Banker’s RealVitalize program provides:

• ✅ Professional repairs, updates, and home improvement services
• ✅ No upfront out-of-pocket costs, hidden fees, or interest charges
• ✅ Seller pays back only the amount used—at closing
• ✅ Services available before or during your home listing period
• ✅ Designed to highlight your home’s best features and maximize value

We’ll help you prep your home for sale with zero stress and maximum impact.
📲 Contact us today to learn how RealVitalize can work for you.

A Comprehensive Guide to VA and USDA Loan Combinations for Veteran Homebuyers

The CalHFA VA program offers a VA-insured loan with a fixed interest rate over 30 years, perfect for those seeking stability in their mortgage payments.

CalHFA VA Program

Discover everything you need to know about the CalHFA VA program in the sections below.

Program Eligibility

To see if you qualify for the CalHFA VA Program, review the Borrower and Property Requirements.

Borrower Requirements

• You must live in the property as your main residence; non-occupant co-borrowers are not allowed.
• Complete homebuyer education counseling and get a certificate of completion from an approved organization.
• Meet the income limits set by CalHFA for this program.
• Have a valid certificate of eligibility according to VA guidelines.
• If there are conflicting guidelines, the stricter one must be followed.

Property Requirements

• The property must be a single-family, one-unit residence, including approved condos and PUDs.
• Guest houses, granny units, and in-law quarters may qualify.
• Manufactured homes are not allowed.
• Condos must adhere to the guidelines of the first mortgage.
• If there are conflicting guidelines, the stricter one must be followed.

Interest Rate

Understanding Interest Rates

Interest rates can vary based on your financial situation, lender fees, and other factors. They can also change daily. For an accurate quote, consult a CalHFA-approved loan officer.

CalHFA doesn’t lend money directly. Instead, they work through approved lenders who qualify consumers and provide all mortgage loans. Fees may differ depending on the lender and the specific program. You can view sample Annual Percentage Rates (APRs) here.

Homebuyer Education

CalHFA places a high value on homebuyer education and counseling, believing it’s crucial for the success and satisfaction of homeowners. First-time homebuyers using a CalHFA program must complete this education.

Who Needs to Take the Course?

• Only one first-time homebuyer who will live in the home must take the course per loan transaction.

How to Complete the Course

• ONLINE: The only online course accepted by CalHFA is eHome’s eight-hour Homebuyer Education and Counseling course (fee: $99). Other online courses like Frameworks and HomeView are not acceptable because they don’t include a one-hour, one-on-one counseling follow-up session.
• IN-PERSON or VIRTUAL: Attend live Homebuyer Education and Counseling sessions through NeighborWorks America or any HUD-Approved Housing Counseling Agency (fees vary by agency).

How to Apply

Applying for the CalHFA VA Program

CalHFA’s mortgage products are offered through private loan officers who are approved and trained by CalHFA. These loan officers can provide detailed information about the programs and guide you through the home buying process.

To get started, visit the Find a Loan Officer tab and contact a loan officer in your area.

Documents to Have Ready

When contacting a loan officer, having the following documents ready can help speed up the process:

• Pay stubs
• Bank statements
• Employment history
• Previous tax returns

Download our My First Home Down Payment and Closing Cost Assistance Program Handbook  https://homesinsdcounty.com/myhome-home-purchase-assistance-program-payment-handbook-and-guide/

Combining CalHFA VA and USDA Programs

For those looking to maximize their home financing options, consider combining the CalHFA VA program with the CalHFA USDA loan program. This combination can offer additional benefits and flexibility for eligible borrowers, particularly in rural areas. The CalHFA USDA program provides a zero down payment option, which can be a significant advantage for homebuyers.

To understand how you can leverage both programs, check out our detailed video explanation. This video covers the eligibility criteria, application process, and benefits of using the CalHFA USDA loan alongside the CalHFA VA program.

Watch the video here to learn more about combining these powerful home financing options.

🏡

🏡 HomesinSDCounty: Your Trusted Real Estate Partner—Local Roots, Nationwide Reach

Brad & Karen Mattonen Coldwell Banker West
San Diego Riverside Orange County Desert Communities
📞 858-518-2875 🌐 www.homesinsdcounty.com
Top 5 Market Experts in San Diego
Ethical. Compassionate. Relentless. Results-Driven.

💼 What We Specialize In

🔹 Probate, Trust & Estate Sales
🔹 Pre-Foreclosure & Distressed Properties
🔹 First-Time Buyers, Luxury Estates, Residential & Commercial
🔹 Strategic Negotiation for Buyers & Seller

Why Work With Us?

✔️ We navigate your sale or purchase with precision—prioritizing legal compliance, safety, and protection
✔️ We help you spot risks and blind spots that others often miss
✔️ We advocate fiercely to optimize your outcome and safeguard your future
✔️ We don’t do fluff—we deliver results with integrity and strategy

💥 Explore Our Valuable FREE Real Estate Resources

✓ eBooks | ✓ Checklists | ✓ Buying & Selling Guides | ✓ Investor Tools
→ Visit our Resources Page to download now.

🔗 Follow Us Everywhere!

Get daily market updates, home tours, and no-nonsense real estate advice:

• 📺 YouTube: Subscribe for Weekly Updates
• 👤 Facebook: North County SD Home Sales
• 📸 Instagram: @sandiegocountyhomes
• 📌 Pinterest: San Diego Living & Real Estate
• 🎵 TikTok: @homesinsandiegocounty
• 🐦 X (Twitter): @SDHomesForSale
• 💼 LinkedIn: Brad Mattonen – Professional Insights

🛫 Relocating? Buying, selling, or relocating in San Diego, Riverside, Orange County—or anywhere in the U.S.? We’ve Got You Covered—Nationwide

We’re not just your local experts. and we don’t just work in Southern California—we’re backed by the powerhouse Coldwell Banker National Network and a handpicked team of personally vetted agents across the country. Whether you’re making a move across town or across the country, we ensure a smooth, strategic, and successful experience.

We’ll connect you with an agent we trust—not just someone in the directory.
📲 Message us today and let’s make that move happen.

HomesinSDCounty – Your Smart Move. Wherever Life Takes You.

🛠️ Selling Your Home? Ask Us About RealVitalize

If you need to make improvements, repairs, or updates before you sell—but don’t want to pay upfront costs—RealVitalize is your solution.

Coldwell Banker’s RealVitalize program provides:

• ✅ Professional repairs, updates, and home improvement services
• ✅ No upfront out-of-pocket costs, hidden fees, or interest charges
• ✅ Seller pays back only the amount used—at closing
• ✅ Services available before or during your home listing period
• ✅ Designed to highlight your home’s best features and maximize value

We’ll help you prep your home for sale with zero stress and maximum impact.
📲 Contact us today to learn how RealVitalize can work for you.

A Comprehensive Guide to VA and USDA Loan Combinations for Veteran Homebuyers

The CalHFA VA program offers a VA-insured loan with a fixed interest rate over 30 years, perfect for those seeking stability in their mortgage payments.

CalHFA VA Program

Discover everything you need to know about the CalHFA VA program in the sections below.

Program Eligibility

To see if you qualify for the CalHFA VA Program, review the Borrower and Property Requirements.

Borrower Requirements

• You must live in the property as your main residence; non-occupant co-borrowers are not allowed.
• Complete homebuyer education counseling and get a certificate of completion from an approved organization.
• Meet the income limits set by CalHFA for this program.
• Have a valid certificate of eligibility according to VA guidelines.
• If there are conflicting guidelines, the stricter one must be followed.

Property Requirements

• The property must be a single-family, one-unit residence, including approved condos and PUDs.
• Guest houses, granny units, and in-law quarters may qualify.
• Manufactured homes are not allowed.
• Condos must adhere to the guidelines of the first mortgage.
• If there are conflicting guidelines, the stricter one must be followed.

Interest Rate

Understanding Interest Rates

Interest rates can vary based on your financial situation, lender fees, and other factors. They can also change daily. For an accurate quote, consult a CalHFA-approved loan officer.

CalHFA doesn’t lend money directly. Instead, they work through approved lenders who qualify consumers and provide all mortgage loans. Fees may differ depending on the lender and the specific program. You can view sample Annual Percentage Rates (APRs) here.

Homebuyer Education

CalHFA places a high value on homebuyer education and counseling, believing it’s crucial for the success and satisfaction of homeowners. First-time homebuyers using a CalHFA program must complete this education.

Who Needs to Take the Course?

• Only one first-time homebuyer who will live in the home must take the course per loan transaction.

How to Complete the Course

• ONLINE: The only online course accepted by CalHFA is eHome’s eight-hour Homebuyer Education and Counseling course (fee: $99). Other online courses like Frameworks and HomeView are not acceptable because they don’t include a one-hour, one-on-one counseling follow-up session.
• IN-PERSON or VIRTUAL: Attend live Homebuyer Education and Counseling sessions through NeighborWorks America or any HUD-Approved Housing Counseling Agency (fees vary by agency).

How to Apply

Applying for the CalHFA VA Program

CalHFA’s mortgage products are offered through private loan officers who are approved and trained by CalHFA. These loan officers can provide detailed information about the programs and guide you through the home buying process.

To get started, visit the Find a Loan Officer tab and contact a loan officer in your area.

Documents to Have Ready

When contacting a loan officer, having the following documents ready can help speed up the process:

• Pay stubs
• Bank statements
• Employment history
• Previous tax returns

Download our My First Home Down Payment and Closing Cost Assistance Program Handbook  https://homesinsdcounty.com/myhome-home-purchase-assistance-program-payment-handbook-and-guide/

Combining CalHFA VA and USDA Programs

For those looking to maximize their home financing options, consider combining the CalHFA VA program with the CalHFA USDA loan program. This combination can offer additional benefits and flexibility for eligible borrowers, particularly in rural areas. The CalHFA USDA program provides a zero down payment option, which can be a significant advantage for homebuyers.

To understand how you can leverage both programs, check out our detailed video explanation. This video covers the eligibility criteria, application process, and benefits of using the CalHFA USDA loan alongside the CalHFA VA program.

Watch the video here to learn more about combining these powerful home financing options.

🏡

🏡 HomesinSDCounty: Your Trusted Real Estate Partner—Local Roots, Nationwide Reach

Brad & Karen Mattonen Coldwell Banker West
San Diego Riverside Orange County Desert Communities
📞 858-518-2875 🌐 www.homesinsdcounty.com
Top 5 Market Experts in San Diego
Ethical. Compassionate. Relentless. Results-Driven.

💼 What We Specialize In

🔹 Probate, Trust & Estate Sales
🔹 Pre-Foreclosure & Distressed Properties
🔹 First-Time Buyers, Luxury Estates, Residential & Commercial
🔹 Strategic Negotiation for Buyers & Seller

Why Work With Us?

✔️ We navigate your sale or purchase with precision—prioritizing legal compliance, safety, and protection
✔️ We help you spot risks and blind spots that others often miss
✔️ We advocate fiercely to optimize your outcome and safeguard your future
✔️ We don’t do fluff—we deliver results with integrity and strategy

💥 Explore Our Valuable FREE Real Estate Resources

✓ eBooks | ✓ Checklists | ✓ Buying & Selling Guides | ✓ Investor Tools
→ Visit our Resources Page to download now.

🔗 Follow Us Everywhere!

Get daily market updates, home tours, and no-nonsense real estate advice:

• 📺 YouTube: Subscribe for Weekly Updates
• 👤 Facebook: North County SD Home Sales
• 📸 Instagram: @sandiegocountyhomes
• 📌 Pinterest: San Diego Living & Real Estate
• 🎵 TikTok: @homesinsandiegocounty
• 🐦 X (Twitter): @SDHomesForSale
• 💼 LinkedIn: Brad Mattonen – Professional Insights

🛫 Relocating? Buying, selling, or relocating in San Diego, Riverside, Orange County—or anywhere in the U.S.? We’ve Got You Covered—Nationwide

We’re not just your local experts. and we don’t just work in Southern California—we’re backed by the powerhouse Coldwell Banker National Network and a handpicked team of personally vetted agents across the country. Whether you’re making a move across town or across the country, we ensure a smooth, strategic, and successful experience.

We’ll connect you with an agent we trust—not just someone in the directory.
📲 Message us today and let’s make that move happen.

HomesinSDCounty – Your Smart Move. Wherever Life Takes You.

🛠️ Selling Your Home? Ask Us About RealVitalize

If you need to make improvements, repairs, or updates before you sell—but don’t want to pay upfront costs—RealVitalize is your solution.

Coldwell Banker’s RealVitalize program provides:

• ✅ Professional repairs, updates, and home improvement services
• ✅ No upfront out-of-pocket costs, hidden fees, or interest charges
• ✅ Seller pays back only the amount used—at closing
• ✅ Services available before or during your home listing period
• ✅ Designed to highlight your home’s best features and maximize value

We’ll help you prep your home for sale with zero stress and maximum impact.
📲 Contact us today to learn how RealVitalize can work for you.

A Comprehensive Guide to VA and USDA Loan Combinations for Veteran Homebuyers

The CalHFA VA program offers a VA-insured loan with a fixed interest rate over 30 years, perfect for those seeking stability in their mortgage payments.

CalHFA VA Program

Discover everything you need to know about the CalHFA VA program in the sections below.

Program Eligibility

To see if you qualify for the CalHFA VA Program, review the Borrower and Property Requirements.

Borrower Requirements

• You must live in the property as your main residence; non-occupant co-borrowers are not allowed.
• Complete homebuyer education counseling and get a certificate of completion from an approved organization.
• Meet the income limits set by CalHFA for this program.
• Have a valid certificate of eligibility according to VA guidelines.
• If there are conflicting guidelines, the stricter one must be followed.

Property Requirements

• The property must be a single-family, one-unit residence, including approved condos and PUDs.
• Guest houses, granny units, and in-law quarters may qualify.
• Manufactured homes are not allowed.
• Condos must adhere to the guidelines of the first mortgage.
• If there are conflicting guidelines, the stricter one must be followed.

Interest Rate

Understanding Interest Rates

Interest rates can vary based on your financial situation, lender fees, and other factors. They can also change daily. For an accurate quote, consult a CalHFA-approved loan officer.

CalHFA doesn’t lend money directly. Instead, they work through approved lenders who qualify consumers and provide all mortgage loans. Fees may differ depending on the lender and the specific program. You can view sample Annual Percentage Rates (APRs) here.

Homebuyer Education

CalHFA places a high value on homebuyer education and counseling, believing it’s crucial for the success and satisfaction of homeowners. First-time homebuyers using a CalHFA program must complete this education.

Who Needs to Take the Course?

• Only one first-time homebuyer who will live in the home must take the course per loan transaction.

How to Complete the Course

• ONLINE: The only online course accepted by CalHFA is eHome’s eight-hour Homebuyer Education and Counseling course (fee: $99). Other online courses like Frameworks and HomeView are not acceptable because they don’t include a one-hour, one-on-one counseling follow-up session.
• IN-PERSON or VIRTUAL: Attend live Homebuyer Education and Counseling sessions through NeighborWorks America or any HUD-Approved Housing Counseling Agency (fees vary by agency).

How to Apply

Applying for the CalHFA VA Program

CalHFA’s mortgage products are offered through private loan officers who are approved and trained by CalHFA. These loan officers can provide detailed information about the programs and guide you through the home buying process.

To get started, visit the Find a Loan Officer tab and contact a loan officer in your area.

Documents to Have Ready

When contacting a loan officer, having the following documents ready can help speed up the process:

• Pay stubs
• Bank statements
• Employment history
• Previous tax returns

Download our My First Home Down Payment and Closing Cost Assistance Program Handbook  https://homesinsdcounty.com/myhome-home-purchase-assistance-program-payment-handbook-and-guide/

Combining CalHFA VA and USDA Programs

For those looking to maximize their home financing options, consider combining the CalHFA VA program with the CalHFA USDA loan program. This combination can offer additional benefits and flexibility for eligible borrowers, particularly in rural areas. The CalHFA USDA program provides a zero down payment option, which can be a significant advantage for homebuyers.

To understand how you can leverage both programs, check out our detailed video explanation. This video covers the eligibility criteria, application process, and benefits of using the CalHFA USDA loan alongside the CalHFA VA program.

Watch the video here to learn more about combining these powerful home financing options.

🏡

🏡 HomesinSDCounty: Your Trusted Real Estate Partner—Local Roots, Nationwide Reach

Brad & Karen Mattonen Coldwell Banker West
San Diego Riverside Orange County Desert Communities
📞 858-518-2875 🌐 www.homesinsdcounty.com
Top 5 Market Experts in San Diego
Ethical. Compassionate. Relentless. Results-Driven.

💼 What We Specialize In

🔹 Probate, Trust & Estate Sales
🔹 Pre-Foreclosure & Distressed Properties
🔹 First-Time Buyers, Luxury Estates, Residential & Commercial
🔹 Strategic Negotiation for Buyers & Seller

Why Work With Us?

✔️ We navigate your sale or purchase with precision—prioritizing legal compliance, safety, and protection
✔️ We help you spot risks and blind spots that others often miss
✔️ We advocate fiercely to optimize your outcome and safeguard your future
✔️ We don’t do fluff—we deliver results with integrity and strategy

💥 Explore Our Valuable FREE Real Estate Resources

✓ eBooks | ✓ Checklists | ✓ Buying & Selling Guides | ✓ Investor Tools
→ Visit our Resources Page to download now.

🔗 Follow Us Everywhere!

Get daily market updates, home tours, and no-nonsense real estate advice:

• 📺 YouTube: Subscribe for Weekly Updates
• 👤 Facebook: North County SD Home Sales
• 📸 Instagram: @sandiegocountyhomes
• 📌 Pinterest: San Diego Living & Real Estate
• 🎵 TikTok: @homesinsandiegocounty
• 🐦 X (Twitter): @SDHomesForSale
• 💼 LinkedIn: Brad Mattonen – Professional Insights

🛫 Relocating? Buying, selling, or relocating in San Diego, Riverside, Orange County—or anywhere in the U.S.? We’ve Got You Covered—Nationwide

We’re not just your local experts. and we don’t just work in Southern California—we’re backed by the powerhouse Coldwell Banker National Network and a handpicked team of personally vetted agents across the country. Whether you’re making a move across town or across the country, we ensure a smooth, strategic, and successful experience.

We’ll connect you with an agent we trust—not just someone in the directory.
📲 Message us today and let’s make that move happen.

HomesinSDCounty – Your Smart Move. Wherever Life Takes You.

🛠️ Selling Your Home? Ask Us About RealVitalize

If you need to make improvements, repairs, or updates before you sell—but don’t want to pay upfront costs—RealVitalize is your solution.

Coldwell Banker’s RealVitalize program provides:

• ✅ Professional repairs, updates, and home improvement services
• ✅ No upfront out-of-pocket costs, hidden fees, or interest charges
• ✅ Seller pays back only the amount used—at closing
• ✅ Services available before or during your home listing period
• ✅ Designed to highlight your home’s best features and maximize value

We’ll help you prep your home for sale with zero stress and maximum impact.
📲 Contact us today to learn how RealVitalize can work for you.

A Comprehensive Guide to VA and USDA Loan Combinations for Veteran Homebuyers

The CalHFA VA program offers a VA-insured loan with a fixed interest rate over 30 years, perfect for those seeking stability in their mortgage payments.

CalHFA VA Program

Discover everything you need to know about the CalHFA VA program in the sections below.

Program Eligibility

To see if you qualify for the CalHFA VA Program, review the Borrower and Property Requirements.

Borrower Requirements

• You must live in the property as your main residence; non-occupant co-borrowers are not allowed.
• Complete homebuyer education counseling and get a certificate of completion from an approved organization.
• Meet the income limits set by CalHFA for this program.
• Have a valid certificate of eligibility according to VA guidelines.
• If there are conflicting guidelines, the stricter one must be followed.

Property Requirements

• The property must be a single-family, one-unit residence, including approved condos and PUDs.
• Guest houses, granny units, and in-law quarters may qualify.
• Manufactured homes are not allowed.
• Condos must adhere to the guidelines of the first mortgage.
• If there are conflicting guidelines, the stricter one must be followed.

Interest Rate

Understanding Interest Rates

Interest rates can vary based on your financial situation, lender fees, and other factors. They can also change daily. For an accurate quote, consult a CalHFA-approved loan officer.

CalHFA doesn’t lend money directly. Instead, they work through approved lenders who qualify consumers and provide all mortgage loans. Fees may differ depending on the lender and the specific program. You can view sample Annual Percentage Rates (APRs) here.

Homebuyer Education

CalHFA places a high value on homebuyer education and counseling, believing it’s crucial for the success and satisfaction of homeowners. First-time homebuyers using a CalHFA program must complete this education.

Who Needs to Take the Course?

• Only one first-time homebuyer who will live in the home must take the course per loan transaction.

How to Complete the Course

• ONLINE: The only online course accepted by CalHFA is eHome’s eight-hour Homebuyer Education and Counseling course (fee: $99). Other online courses like Frameworks and HomeView are not acceptable because they don’t include a one-hour, one-on-one counseling follow-up session.
• IN-PERSON or VIRTUAL: Attend live Homebuyer Education and Counseling sessions through NeighborWorks America or any HUD-Approved Housing Counseling Agency (fees vary by agency).

How to Apply

Applying for the CalHFA VA Program

CalHFA’s mortgage products are offered through private loan officers who are approved and trained by CalHFA. These loan officers can provide detailed information about the programs and guide you through the home buying process.

To get started, visit the Find a Loan Officer tab and contact a loan officer in your area.

Documents to Have Ready

When contacting a loan officer, having the following documents ready can help speed up the process:

• Pay stubs
• Bank statements
• Employment history
• Previous tax returns

Download our My First Home Down Payment and Closing Cost Assistance Program Handbook  https://homesinsdcounty.com/myhome-home-purchase-assistance-program-payment-handbook-and-guide/

Combining CalHFA VA and USDA Programs

For those looking to maximize their home financing options, consider combining the CalHFA VA program with the CalHFA USDA loan program. This combination can offer additional benefits and flexibility for eligible borrowers, particularly in rural areas. The CalHFA USDA program provides a zero down payment option, which can be a significant advantage for homebuyers.

To understand how you can leverage both programs, check out our detailed video explanation. This video covers the eligibility criteria, application process, and benefits of using the CalHFA USDA loan alongside the CalHFA VA program.

Watch the video here to learn more about combining these powerful home financing options.

🏡

🏡 HomesinSDCounty: Your Trusted Real Estate Partner—Local Roots, Nationwide Reach

Brad & Karen Mattonen Coldwell Banker West
San Diego Riverside Orange County Desert Communities
📞 858-518-2875 🌐 www.homesinsdcounty.com
Top 5 Market Experts in San Diego
Ethical. Compassionate. Relentless. Results-Driven.

💼 What We Specialize In

🔹 Probate, Trust & Estate Sales
🔹 Pre-Foreclosure & Distressed Properties
🔹 First-Time Buyers, Luxury Estates, Residential & Commercial
🔹 Strategic Negotiation for Buyers & Seller

Why Work With Us?

✔️ We navigate your sale or purchase with precision—prioritizing legal compliance, safety, and protection
✔️ We help you spot risks and blind spots that others often miss
✔️ We advocate fiercely to optimize your outcome and safeguard your future
✔️ We don’t do fluff—we deliver results with integrity and strategy

💥 Explore Our Valuable FREE Real Estate Resources

✓ eBooks | ✓ Checklists | ✓ Buying & Selling Guides | ✓ Investor Tools
→ Visit our Resources Page to download now.

🔗 Follow Us Everywhere!

Get daily market updates, home tours, and no-nonsense real estate advice:

• 📺 YouTube: Subscribe for Weekly Updates
• 👤 Facebook: North County SD Home Sales
• 📸 Instagram: @sandiegocountyhomes
• 📌 Pinterest: San Diego Living & Real Estate
• 🎵 TikTok: @homesinsandiegocounty
• 🐦 X (Twitter): @SDHomesForSale
• 💼 LinkedIn: Brad Mattonen – Professional Insights

🛫 Relocating? Buying, selling, or relocating in San Diego, Riverside, Orange County—or anywhere in the U.S.? We’ve Got You Covered—Nationwide

We’re not just your local experts. and we don’t just work in Southern California—we’re backed by the powerhouse Coldwell Banker National Network and a handpicked team of personally vetted agents across the country. Whether you’re making a move across town or across the country, we ensure a smooth, strategic, and successful experience.

We’ll connect you with an agent we trust—not just someone in the directory.
📲 Message us today and let’s make that move happen.

HomesinSDCounty – Your Smart Move. Wherever Life Takes You.

🛠️ Selling Your Home? Ask Us About RealVitalize

If you need to make improvements, repairs, or updates before you sell—but don’t want to pay upfront costs—RealVitalize is your solution.

Coldwell Banker’s RealVitalize program provides:

• ✅ Professional repairs, updates, and home improvement services
• ✅ No upfront out-of-pocket costs, hidden fees, or interest charges
• ✅ Seller pays back only the amount used—at closing
• ✅ Services available before or during your home listing period
• ✅ Designed to highlight your home’s best features and maximize value

We’ll help you prep your home for sale with zero stress and maximum impact.
📲 Contact us today to learn how RealVitalize can work for you.

A Comprehensive Guide to VA and USDA Loan Combinations for Veteran Homebuyers

The CalHFA VA program offers a VA-insured loan with a fixed interest rate over 30 years, perfect for those seeking stability in their mortgage payments.

CalHFA VA Program

Discover everything you need to know about the CalHFA VA program in the sections below.

Program Eligibility

To see if you qualify for the CalHFA VA Program, review the Borrower and Property Requirements.

Borrower Requirements

• You must live in the property as your main residence; non-occupant co-borrowers are not allowed.
• Complete homebuyer education counseling and get a certificate of completion from an approved organization.
• Meet the income limits set by CalHFA for this program.
• Have a valid certificate of eligibility according to VA guidelines.
• If there are conflicting guidelines, the stricter one must be followed.

Property Requirements

• The property must be a single-family, one-unit residence, including approved condos and PUDs.
• Guest houses, granny units, and in-law quarters may qualify.
• Manufactured homes are not allowed.
• Condos must adhere to the guidelines of the first mortgage.
• If there are conflicting guidelines, the stricter one must be followed.

Interest Rate

Understanding Interest Rates

Interest rates can vary based on your financial situation, lender fees, and other factors. They can also change daily. For an accurate quote, consult a CalHFA-approved loan officer.

CalHFA doesn’t lend money directly. Instead, they work through approved lenders who qualify consumers and provide all mortgage loans. Fees may differ depending on the lender and the specific program. You can view sample Annual Percentage Rates (APRs) here.

Homebuyer Education

CalHFA places a high value on homebuyer education and counseling, believing it’s crucial for the success and satisfaction of homeowners. First-time homebuyers using a CalHFA program must complete this education.

Who Needs to Take the Course?

• Only one first-time homebuyer who will live in the home must take the course per loan transaction.

How to Complete the Course

• ONLINE: The only online course accepted by CalHFA is eHome’s eight-hour Homebuyer Education and Counseling course (fee: $99). Other online courses like Frameworks and HomeView are not acceptable because they don’t include a one-hour, one-on-one counseling follow-up session.
• IN-PERSON or VIRTUAL: Attend live Homebuyer Education and Counseling sessions through NeighborWorks America or any HUD-Approved Housing Counseling Agency (fees vary by agency).

How to Apply

Applying for the CalHFA VA Program

CalHFA’s mortgage products are offered through private loan officers who are approved and trained by CalHFA. These loan officers can provide detailed information about the programs and guide you through the home buying process.

To get started, visit the Find a Loan Officer tab and contact a loan officer in your area.

Documents to Have Ready

When contacting a loan officer, having the following documents ready can help speed up the process:

• Pay stubs
• Bank statements
• Employment history
• Previous tax returns

Download our My First Home Down Payment and Closing Cost Assistance Program Handbook  https://homesinsdcounty.com/myhome-home-purchase-assistance-program-payment-handbook-and-guide/

Combining CalHFA VA and USDA Programs

For those looking to maximize their home financing options, consider combining the CalHFA VA program with the CalHFA USDA loan program. This combination can offer additional benefits and flexibility for eligible borrowers, particularly in rural areas. The CalHFA USDA program provides a zero down payment option, which can be a significant advantage for homebuyers.

To understand how you can leverage both programs, check out our detailed video explanation. This video covers the eligibility criteria, application process, and benefits of using the CalHFA USDA loan alongside the CalHFA VA program.

Watch the video here to learn more about combining these powerful home financing options.

🏡

🏡 HomesinSDCounty: Your Trusted Real Estate Partner—Local Roots, Nationwide Reach

Brad & Karen Mattonen Coldwell Banker West
San Diego Riverside Orange County Desert Communities
📞 858-518-2875 🌐 www.homesinsdcounty.com
Top 5 Market Experts in San Diego
Ethical. Compassionate. Relentless. Results-Driven.

💼 What We Specialize In

🔹 Probate, Trust & Estate Sales
🔹 Pre-Foreclosure & Distressed Properties
🔹 First-Time Buyers, Luxury Estates, Residential & Commercial
🔹 Strategic Negotiation for Buyers & Seller

Why Work With Us?

✔️ We navigate your sale or purchase with precision—prioritizing legal compliance, safety, and protection
✔️ We help you spot risks and blind spots that others often miss
✔️ We advocate fiercely to optimize your outcome and safeguard your future
✔️ We don’t do fluff—we deliver results with integrity and strategy

💥 Explore Our Valuable FREE Real Estate Resources

✓ eBooks | ✓ Checklists | ✓ Buying & Selling Guides | ✓ Investor Tools
→ Visit our Resources Page to download now.

🔗 Follow Us Everywhere!

Get daily market updates, home tours, and no-nonsense real estate advice:

• 📺 YouTube: Subscribe for Weekly Updates
• 👤 Facebook: North County SD Home Sales
• 📸 Instagram: @sandiegocountyhomes
• 📌 Pinterest: San Diego Living & Real Estate
• 🎵 TikTok: @homesinsandiegocounty
• 🐦 X (Twitter): @SDHomesForSale
• 💼 LinkedIn: Brad Mattonen – Professional Insights

🛫 Relocating? Buying, selling, or relocating in San Diego, Riverside, Orange County—or anywhere in the U.S.? We’ve Got You Covered—Nationwide

We’re not just your local experts. and we don’t just work in Southern California—we’re backed by the powerhouse Coldwell Banker National Network and a handpicked team of personally vetted agents across the country. Whether you’re making a move across town or across the country, we ensure a smooth, strategic, and successful experience.

We’ll connect you with an agent we trust—not just someone in the directory.
📲 Message us today and let’s make that move happen.

HomesinSDCounty – Your Smart Move. Wherever Life Takes You.

🛠️ Selling Your Home? Ask Us About RealVitalize

If you need to make improvements, repairs, or updates before you sell—but don’t want to pay upfront costs—RealVitalize is your solution.

Coldwell Banker’s RealVitalize program provides:

• ✅ Professional repairs, updates, and home improvement services
• ✅ No upfront out-of-pocket costs, hidden fees, or interest charges
• ✅ Seller pays back only the amount used—at closing
• ✅ Services available before or during your home listing period
• ✅ Designed to highlight your home’s best features and maximize value

We’ll help you prep your home for sale with zero stress and maximum impact.
📲 Contact us today to learn how RealVitalize can work for you.

A Comprehensive Guide to VA and USDA Loan Combinations for Veteran Homebuyers

The CalHFA VA program offers a VA-insured loan with a fixed interest rate over 30 years, perfect for those seeking stability in their mortgage payments.

CalHFA VA Program

Discover everything you need to know about the CalHFA VA program in the sections below.

Program Eligibility

To see if you qualify for the CalHFA VA Program, review the Borrower and Property Requirements.

Borrower Requirements

• You must live in the property as your main residence; non-occupant co-borrowers are not allowed.
• Complete homebuyer education counseling and get a certificate of completion from an approved organization.
• Meet the income limits set by CalHFA for this program.
• Have a valid certificate of eligibility according to VA guidelines.
• If there are conflicting guidelines, the stricter one must be followed.

Property Requirements

• The property must be a single-family, one-unit residence, including approved condos and PUDs.
• Guest houses, granny units, and in-law quarters may qualify.
• Manufactured homes are not allowed.
• Condos must adhere to the guidelines of the first mortgage.
• If there are conflicting guidelines, the stricter one must be followed.

Interest Rate

Understanding Interest Rates

Interest rates can vary based on your financial situation, lender fees, and other factors. They can also change daily. For an accurate quote, consult a CalHFA-approved loan officer.

CalHFA doesn’t lend money directly. Instead, they work through approved lenders who qualify consumers and provide all mortgage loans. Fees may differ depending on the lender and the specific program. You can view sample Annual Percentage Rates (APRs) here.

Homebuyer Education

CalHFA places a high value on homebuyer education and counseling, believing it’s crucial for the success and satisfaction of homeowners. First-time homebuyers using a CalHFA program must complete this education.

Who Needs to Take the Course?

• Only one first-time homebuyer who will live in the home must take the course per loan transaction.

How to Complete the Course

• ONLINE: The only online course accepted by CalHFA is eHome’s eight-hour Homebuyer Education and Counseling course (fee: $99). Other online courses like Frameworks and HomeView are not acceptable because they don’t include a one-hour, one-on-one counseling follow-up session.
• IN-PERSON or VIRTUAL: Attend live Homebuyer Education and Counseling sessions through NeighborWorks America or any HUD-Approved Housing Counseling Agency (fees vary by agency).

How to Apply

Applying for the CalHFA VA Program

CalHFA’s mortgage products are offered through private loan officers who are approved and trained by CalHFA. These loan officers can provide detailed information about the programs and guide you through the home buying process.

To get started, visit the Find a Loan Officer tab and contact a loan officer in your area.

Documents to Have Ready

When contacting a loan officer, having the following documents ready can help speed up the process:

• Pay stubs
• Bank statements
• Employment history
• Previous tax returns

Download our My First Home Down Payment and Closing Cost Assistance Program Handbook  https://homesinsdcounty.com/myhome-home-purchase-assistance-program-payment-handbook-and-guide/

Combining CalHFA VA and USDA Programs

For those looking to maximize their home financing options, consider combining the CalHFA VA program with the CalHFA USDA loan program. This combination can offer additional benefits and flexibility for eligible borrowers, particularly in rural areas. The CalHFA USDA program provides a zero down payment option, which can be a significant advantage for homebuyers.

To understand how you can leverage both programs, check out our detailed video explanation. This video covers the eligibility criteria, application process, and benefits of using the CalHFA USDA loan alongside the CalHFA VA program.

Watch the video here to learn more about combining these powerful home financing options.

🏡

🏡 HomesinSDCounty: Your Trusted Real Estate Partner—Local Roots, Nationwide Reach

Brad & Karen Mattonen Coldwell Banker West
San Diego Riverside Orange County Desert Communities
📞 858-518-2875 🌐 www.homesinsdcounty.com
Top 5 Market Experts in San Diego
Ethical. Compassionate. Relentless. Results-Driven.

💼 What We Specialize In

🔹 Probate, Trust & Estate Sales
🔹 Pre-Foreclosure & Distressed Properties
🔹 First-Time Buyers, Luxury Estates, Residential & Commercial
🔹 Strategic Negotiation for Buyers & Seller

Why Work With Us?

✔️ We navigate your sale or purchase with precision—prioritizing legal compliance, safety, and protection
✔️ We help you spot risks and blind spots that others often miss
✔️ We advocate fiercely to optimize your outcome and safeguard your future
✔️ We don’t do fluff—we deliver results with integrity and strategy

💥 Explore Our Valuable FREE Real Estate Resources

✓ eBooks | ✓ Checklists | ✓ Buying & Selling Guides | ✓ Investor Tools
→ Visit our Resources Page to download now.

🔗 Follow Us Everywhere!

Get daily market updates, home tours, and no-nonsense real estate advice:

• 📺 YouTube: Subscribe for Weekly Updates
• 👤 Facebook: North County SD Home Sales
• 📸 Instagram: @sandiegocountyhomes
• 📌 Pinterest: San Diego Living & Real Estate
• 🎵 TikTok: @homesinsandiegocounty
• 🐦 X (Twitter): @SDHomesForSale
• 💼 LinkedIn: Brad Mattonen – Professional Insights

🛫 Relocating? Buying, selling, or relocating in San Diego, Riverside, Orange County—or anywhere in the U.S.? We’ve Got You Covered—Nationwide

We’re not just your local experts. and we don’t just work in Southern California—we’re backed by the powerhouse Coldwell Banker National Network and a handpicked team of personally vetted agents across the country. Whether you’re making a move across town or across the country, we ensure a smooth, strategic, and successful experience.

We’ll connect you with an agent we trust—not just someone in the directory.
📲 Message us today and let’s make that move happen.

HomesinSDCounty – Your Smart Move. Wherever Life Takes You.

🛠️ Selling Your Home? Ask Us About RealVitalize

If you need to make improvements, repairs, or updates before you sell—but don’t want to pay upfront costs—RealVitalize is your solution.

Coldwell Banker’s RealVitalize program provides:

• ✅ Professional repairs, updates, and home improvement services
• ✅ No upfront out-of-pocket costs, hidden fees, or interest charges
• ✅ Seller pays back only the amount used—at closing
• ✅ Services available before or during your home listing period
• ✅ Designed to highlight your home’s best features and maximize value

We’ll help you prep your home for sale with zero stress and maximum impact.
📲 Contact us today to learn how RealVitalize can work for you.

A Comprehensive Guide to VA and USDA Loan Combinations for Veteran Homebuyers

The CalHFA VA program offers a VA-insured loan with a fixed interest rate over 30 years, perfect for those seeking stability in their mortgage payments.

CalHFA VA Program

Discover everything you need to know about the CalHFA VA program in the sections below.

Program Eligibility

To see if you qualify for the CalHFA VA Program, review the Borrower and Property Requirements.

Borrower Requirements

• You must live in the property as your main residence; non-occupant co-borrowers are not allowed.
• Complete homebuyer education counseling and get a certificate of completion from an approved organization.
• Meet the income limits set by CalHFA for this program.
• Have a valid certificate of eligibility according to VA guidelines.
• If there are conflicting guidelines, the stricter one must be followed.

Property Requirements

• The property must be a single-family, one-unit residence, including approved condos and PUDs.
• Guest houses, granny units, and in-law quarters may qualify.
• Manufactured homes are not allowed.
• Condos must adhere to the guidelines of the first mortgage.
• If there are conflicting guidelines, the stricter one must be followed.

Interest Rate

Understanding Interest Rates

Interest rates can vary based on your financial situation, lender fees, and other factors. They can also change daily. For an accurate quote, consult a CalHFA-approved loan officer.

CalHFA doesn’t lend money directly. Instead, they work through approved lenders who qualify consumers and provide all mortgage loans. Fees may differ depending on the lender and the specific program. You can view sample Annual Percentage Rates (APRs) here.

Homebuyer Education

CalHFA places a high value on homebuyer education and counseling, believing it’s crucial for the success and satisfaction of homeowners. First-time homebuyers using a CalHFA program must complete this education.

Who Needs to Take the Course?

• Only one first-time homebuyer who will live in the home must take the course per loan transaction.

How to Complete the Course

• ONLINE: The only online course accepted by CalHFA is eHome’s eight-hour Homebuyer Education and Counseling course (fee: $99). Other online courses like Frameworks and HomeView are not acceptable because they don’t include a one-hour, one-on-one counseling follow-up session.
• IN-PERSON or VIRTUAL: Attend live Homebuyer Education and Counseling sessions through NeighborWorks America or any HUD-Approved Housing Counseling Agency (fees vary by agency).

How to Apply

Applying for the CalHFA VA Program

CalHFA’s mortgage products are offered through private loan officers who are approved and trained by CalHFA. These loan officers can provide detailed information about the programs and guide you through the home buying process.

To get started, visit the Find a Loan Officer tab and contact a loan officer in your area.

Documents to Have Ready

When contacting a loan officer, having the following documents ready can help speed up the process:

• Pay stubs
• Bank statements
• Employment history
• Previous tax returns

Download our My First Home Down Payment and Closing Cost Assistance Program Handbook  https://homesinsdcounty.com/myhome-home-purchase-assistance-program-payment-handbook-and-guide/

Combining CalHFA VA and USDA Programs

For those looking to maximize their home financing options, consider combining the CalHFA VA program with the CalHFA USDA loan program. This combination can offer additional benefits and flexibility for eligible borrowers, particularly in rural areas. The CalHFA USDA program provides a zero down payment option, which can be a significant advantage for homebuyers.

To understand how you can leverage both programs, check out our detailed video explanation. This video covers the eligibility criteria, application process, and benefits of using the CalHFA USDA loan alongside the CalHFA VA program.

Watch the video here to learn more about combining these powerful home financing options.

🏡

🏡 HomesinSDCounty: Your Trusted Real Estate Partner—Local Roots, Nationwide Reach

Brad & Karen Mattonen Coldwell Banker West
San Diego Riverside Orange County Desert Communities
📞 858-518-2875 🌐 www.homesinsdcounty.com
Top 5 Market Experts in San Diego
Ethical. Compassionate. Relentless. Results-Driven.

💼 What We Specialize In

🔹 Probate, Trust & Estate Sales
🔹 Pre-Foreclosure & Distressed Properties
🔹 First-Time Buyers, Luxury Estates, Residential & Commercial
🔹 Strategic Negotiation for Buyers & Seller

Why Work With Us?

✔️ We navigate your sale or purchase with precision—prioritizing legal compliance, safety, and protection
✔️ We help you spot risks and blind spots that others often miss
✔️ We advocate fiercely to optimize your outcome and safeguard your future
✔️ We don’t do fluff—we deliver results with integrity and strategy

💥 Explore Our Valuable FREE Real Estate Resources

✓ eBooks | ✓ Checklists | ✓ Buying & Selling Guides | ✓ Investor Tools
→ Visit our Resources Page to download now.

🔗 Follow Us Everywhere!

Get daily market updates, home tours, and no-nonsense real estate advice:

• 📺 YouTube: Subscribe for Weekly Updates
• 👤 Facebook: North County SD Home Sales
• 📸 Instagram: @sandiegocountyhomes
• 📌 Pinterest: San Diego Living & Real Estate
• 🎵 TikTok: @homesinsandiegocounty
• 🐦 X (Twitter): @SDHomesForSale
• 💼 LinkedIn: Brad Mattonen – Professional Insights

🛫 Relocating? Buying, selling, or relocating in San Diego, Riverside, Orange County—or anywhere in the U.S.? We’ve Got You Covered—Nationwide

We’re not just your local experts. and we don’t just work in Southern California—we’re backed by the powerhouse Coldwell Banker National Network and a handpicked team of personally vetted agents across the country. Whether you’re making a move across town or across the country, we ensure a smooth, strategic, and successful experience.

We’ll connect you with an agent we trust—not just someone in the directory.
📲 Message us today and let’s make that move happen.

HomesinSDCounty – Your Smart Move. Wherever Life Takes You.

🛠️ Selling Your Home? Ask Us About RealVitalize

If you need to make improvements, repairs, or updates before you sell—but don’t want to pay upfront costs—RealVitalize is your solution.

Coldwell Banker’s RealVitalize program provides:

• ✅ Professional repairs, updates, and home improvement services
• ✅ No upfront out-of-pocket costs, hidden fees, or interest charges
• ✅ Seller pays back only the amount used—at closing
• ✅ Services available before or during your home listing period
• ✅ Designed to highlight your home’s best features and maximize value

We’ll help you prep your home for sale with zero stress and maximum impact.
📲 Contact us today to learn how RealVitalize can work for you.

A Comprehensive Guide to VA and USDA Loan Combinations for Veteran Homebuyers

The CalHFA VA program offers a VA-insured loan with a fixed interest rate over 30 years, perfect for those seeking stability in their mortgage payments.

CalHFA VA Program

Discover everything you need to know about the CalHFA VA program in the sections below.

Program Eligibility

To see if you qualify for the CalHFA VA Program, review the Borrower and Property Requirements.

Borrower Requirements

• You must live in the property as your main residence; non-occupant co-borrowers are not allowed.
• Complete homebuyer education counseling and get a certificate of completion from an approved organization.
• Meet the income limits set by CalHFA for this program.
• Have a valid certificate of eligibility according to VA guidelines.
• If there are conflicting guidelines, the stricter one must be followed.

Property Requirements

• The property must be a single-family, one-unit residence, including approved condos and PUDs.
• Guest houses, granny units, and in-law quarters may qualify.
• Manufactured homes are not allowed.
• Condos must adhere to the guidelines of the first mortgage.
• If there are conflicting guidelines, the stricter one must be followed.

Interest Rate

Understanding Interest Rates

Interest rates can vary based on your financial situation, lender fees, and other factors. They can also change daily. For an accurate quote, consult a CalHFA-approved loan officer.

CalHFA doesn’t lend money directly. Instead, they work through approved lenders who qualify consumers and provide all mortgage loans. Fees may differ depending on the lender and the specific program. You can view sample Annual Percentage Rates (APRs) here.

Homebuyer Education

CalHFA places a high value on homebuyer education and counseling, believing it’s crucial for the success and satisfaction of homeowners. First-time homebuyers using a CalHFA program must complete this education.

Who Needs to Take the Course?

• Only one first-time homebuyer who will live in the home must take the course per loan transaction.

How to Complete the Course

• ONLINE: The only online course accepted by CalHFA is eHome’s eight-hour Homebuyer Education and Counseling course (fee: $99). Other online courses like Frameworks and HomeView are not acceptable because they don’t include a one-hour, one-on-one counseling follow-up session.
• IN-PERSON or VIRTUAL: Attend live Homebuyer Education and Counseling sessions through NeighborWorks America or any HUD-Approved Housing Counseling Agency (fees vary by agency).

How to Apply

Applying for the CalHFA VA Program

CalHFA’s mortgage products are offered through private loan officers who are approved and trained by CalHFA. These loan officers can provide detailed information about the programs and guide you through the home buying process.

To get started, visit the Find a Loan Officer tab and contact a loan officer in your area.

Documents to Have Ready

When contacting a loan officer, having the following documents ready can help speed up the process:

• Pay stubs
• Bank statements
• Employment history
• Previous tax returns

Download our My First Home Down Payment and Closing Cost Assistance Program Handbook  https://homesinsdcounty.com/myhome-home-purchase-assistance-program-payment-handbook-and-guide/

Combining CalHFA VA and USDA Programs

For those looking to maximize their home financing options, consider combining the CalHFA VA program with the CalHFA USDA loan program. This combination can offer additional benefits and flexibility for eligible borrowers, particularly in rural areas. The CalHFA USDA program provides a zero down payment option, which can be a significant advantage for homebuyers.

To understand how you can leverage both programs, check out our detailed video explanation. This video covers the eligibility criteria, application process, and benefits of using the CalHFA USDA loan alongside the CalHFA VA program.

Watch the video here to learn more about combining these powerful home financing options.

🏡

🏡 HomesinSDCounty: Your Trusted Real Estate Partner—Local Roots, Nationwide Reach

Brad & Karen Mattonen Coldwell Banker West
San Diego Riverside Orange County Desert Communities
📞 858-518-2875 🌐 www.homesinsdcounty.com
Top 5 Market Experts in San Diego
Ethical. Compassionate. Relentless. Results-Driven.

💼 What We Specialize In

🔹 Probate, Trust & Estate Sales
🔹 Pre-Foreclosure & Distressed Properties
🔹 First-Time Buyers, Luxury Estates, Residential & Commercial
🔹 Strategic Negotiation for Buyers & Seller

Why Work With Us?

✔️ We navigate your sale or purchase with precision—prioritizing legal compliance, safety, and protection
✔️ We help you spot risks and blind spots that others often miss
✔️ We advocate fiercely to optimize your outcome and safeguard your future
✔️ We don’t do fluff—we deliver results with integrity and strategy

💥 Explore Our Valuable FREE Real Estate Resources

✓ eBooks | ✓ Checklists | ✓ Buying & Selling Guides | ✓ Investor Tools
→ Visit our Resources Page to download now.

🔗 Follow Us Everywhere!

Get daily market updates, home tours, and no-nonsense real estate advice:

• 📺 YouTube: Subscribe for Weekly Updates
• 👤 Facebook: North County SD Home Sales
• 📸 Instagram: @sandiegocountyhomes
• 📌 Pinterest: San Diego Living & Real Estate
• 🎵 TikTok: @homesinsandiegocounty
• 🐦 X (Twitter): @SDHomesForSale
• 💼 LinkedIn: Brad Mattonen – Professional Insights

🛫 Relocating? Buying, selling, or relocating in San Diego, Riverside, Orange County—or anywhere in the U.S.? We’ve Got You Covered—Nationwide

We’re not just your local experts. and we don’t just work in Southern California—we’re backed by the powerhouse Coldwell Banker National Network and a handpicked team of personally vetted agents across the country. Whether you’re making a move across town or across the country, we ensure a smooth, strategic, and successful experience.

We’ll connect you with an agent we trust—not just someone in the directory.
📲 Message us today and let’s make that move happen.

HomesinSDCounty – Your Smart Move. Wherever Life Takes You.

🛠️ Selling Your Home? Ask Us About RealVitalize

If you need to make improvements, repairs, or updates before you sell—but don’t want to pay upfront costs—RealVitalize is your solution.

Coldwell Banker’s RealVitalize program provides:

• ✅ Professional repairs, updates, and home improvement services
• ✅ No upfront out-of-pocket costs, hidden fees, or interest charges
• ✅ Seller pays back only the amount used—at closing
• ✅ Services available before or during your home listing period
• ✅ Designed to highlight your home’s best features and maximize value

We’ll help you prep your home for sale with zero stress and maximum impact.
📲 Contact us today to learn how RealVitalize can work for you.

A Comprehensive Guide to VA and USDA Loan Combinations for Veteran Homebuyers

The CalHFA VA program offers a VA-insured loan with a fixed interest rate over 30 years, perfect for those seeking stability in their mortgage payments.

CalHFA VA Program

Discover everything you need to know about the CalHFA VA program in the sections below.

Program Eligibility

To see if you qualify for the CalHFA VA Program, review the Borrower and Property Requirements.

Borrower Requirements

• You must live in the property as your main residence; non-occupant co-borrowers are not allowed.
• Complete homebuyer education counseling and get a certificate of completion from an approved organization.
• Meet the income limits set by CalHFA for this program.
• Have a valid certificate of eligibility according to VA guidelines.
• If there are conflicting guidelines, the stricter one must be followed.

Property Requirements

• The property must be a single-family, one-unit residence, including approved condos and PUDs.
• Guest houses, granny units, and in-law quarters may qualify.
• Manufactured homes are not allowed.
• Condos must adhere to the guidelines of the first mortgage.
• If there are conflicting guidelines, the stricter one must be followed.

Interest Rate

Understanding Interest Rates

Interest rates can vary based on your financial situation, lender fees, and other factors. They can also change daily. For an accurate quote, consult a CalHFA-approved loan officer.

CalHFA doesn’t lend money directly. Instead, they work through approved lenders who qualify consumers and provide all mortgage loans. Fees may differ depending on the lender and the specific program. You can view sample Annual Percentage Rates (APRs) here.

Homebuyer Education

CalHFA places a high value on homebuyer education and counseling, believing it’s crucial for the success and satisfaction of homeowners. First-time homebuyers using a CalHFA program must complete this education.

Who Needs to Take the Course?

• Only one first-time homebuyer who will live in the home must take the course per loan transaction.

How to Complete the Course

• ONLINE: The only online course accepted by CalHFA is eHome’s eight-hour Homebuyer Education and Counseling course (fee: $99). Other online courses like Frameworks and HomeView are not acceptable because they don’t include a one-hour, one-on-one counseling follow-up session.
• IN-PERSON or VIRTUAL: Attend live Homebuyer Education and Counseling sessions through NeighborWorks America or any HUD-Approved Housing Counseling Agency (fees vary by agency).

How to Apply

Applying for the CalHFA VA Program

CalHFA’s mortgage products are offered through private loan officers who are approved and trained by CalHFA. These loan officers can provide detailed information about the programs and guide you through the home buying process.

To get started, visit the Find a Loan Officer tab and contact a loan officer in your area.

Documents to Have Ready

When contacting a loan officer, having the following documents ready can help speed up the process:

• Pay stubs
• Bank statements
• Employment history
• Previous tax returns

Download our My First Home Down Payment and Closing Cost Assistance Program Handbook  https://homesinsdcounty.com/myhome-home-purchase-assistance-program-payment-handbook-and-guide/

Combining CalHFA VA and USDA Programs

For those looking to maximize their home financing options, consider combining the CalHFA VA program with the CalHFA USDA loan program. This combination can offer additional benefits and flexibility for eligible borrowers, particularly in rural areas. The CalHFA USDA program provides a zero down payment option, which can be a significant advantage for homebuyers.

To understand how you can leverage both programs, check out our detailed video explanation. This video covers the eligibility criteria, application process, and benefits of using the CalHFA USDA loan alongside the CalHFA VA program.

Watch the video here to learn more about combining these powerful home financing options.

🏡

🏡 HomesinSDCounty: Your Trusted Real Estate Partner—Local Roots, Nationwide Reach

Brad & Karen Mattonen Coldwell Banker West
San Diego Riverside Orange County Desert Communities
📞 858-518-2875 🌐 www.homesinsdcounty.com
Top 5 Market Experts in San Diego
Ethical. Compassionate. Relentless. Results-Driven.

💼 What We Specialize In

🔹 Probate, Trust & Estate Sales
🔹 Pre-Foreclosure & Distressed Properties
🔹 First-Time Buyers, Luxury Estates, Residential & Commercial
🔹 Strategic Negotiation for Buyers & Seller

Why Work With Us?

✔️ We navigate your sale or purchase with precision—prioritizing legal compliance, safety, and protection
✔️ We help you spot risks and blind spots that others often miss
✔️ We advocate fiercely to optimize your outcome and safeguard your future
✔️ We don’t do fluff—we deliver results with integrity and strategy

💥 Explore Our Valuable FREE Real Estate Resources

✓ eBooks | ✓ Checklists | ✓ Buying & Selling Guides | ✓ Investor Tools
→ Visit our Resources Page to download now.

🔗 Follow Us Everywhere!

Get daily market updates, home tours, and no-nonsense real estate advice:

• 📺 YouTube: Subscribe for Weekly Updates
• 👤 Facebook: North County SD Home Sales
• 📸 Instagram: @sandiegocountyhomes
• 📌 Pinterest: San Diego Living & Real Estate
• 🎵 TikTok: @homesinsandiegocounty
• 🐦 X (Twitter): @SDHomesForSale
• 💼 LinkedIn: Brad Mattonen – Professional Insights

🛫 Relocating? Buying, selling, or relocating in San Diego, Riverside, Orange County—or anywhere in the U.S.? We’ve Got You Covered—Nationwide

We’re not just your local experts. and we don’t just work in Southern California—we’re backed by the powerhouse Coldwell Banker National Network and a handpicked team of personally vetted agents across the country. Whether you’re making a move across town or across the country, we ensure a smooth, strategic, and successful experience.

We’ll connect you with an agent we trust—not just someone in the directory.
📲 Message us today and let’s make that move happen.

HomesinSDCounty – Your Smart Move. Wherever Life Takes You.

🛠️ Selling Your Home? Ask Us About RealVitalize

If you need to make improvements, repairs, or updates before you sell—but don’t want to pay upfront costs—RealVitalize is your solution.

Coldwell Banker’s RealVitalize program provides:

• ✅ Professional repairs, updates, and home improvement services
• ✅ No upfront out-of-pocket costs, hidden fees, or interest charges
• ✅ Seller pays back only the amount used—at closing
• ✅ Services available before or during your home listing period
• ✅ Designed to highlight your home’s best features and maximize value

We’ll help you prep your home for sale with zero stress and maximum impact.
📲 Contact us today to learn how RealVitalize can work for you.

A Comprehensive Guide to VA and USDA Loan Combinations for Veteran Homebuyers

The CalHFA VA program offers a VA-insured loan with a fixed interest rate over 30 years, perfect for those seeking stability in their mortgage payments.

CalHFA VA Program

Discover everything you need to know about the CalHFA VA program in the sections below.

Program Eligibility

To see if you qualify for the CalHFA VA Program, review the Borrower and Property Requirements.

Borrower Requirements

• You must live in the property as your main residence; non-occupant co-borrowers are not allowed.
• Complete homebuyer education counseling and get a certificate of completion from an approved organization.
• Meet the income limits set by CalHFA for this program.
• Have a valid certificate of eligibility according to VA guidelines.
• If there are conflicting guidelines, the stricter one must be followed.

Property Requirements

• The property must be a single-family, one-unit residence, including approved condos and PUDs.
• Guest houses, granny units, and in-law quarters may qualify.
• Manufactured homes are not allowed.
• Condos must adhere to the guidelines of the first mortgage.
• If there are conflicting guidelines, the stricter one must be followed.

Interest Rate

Understanding Interest Rates

Interest rates can vary based on your financial situation, lender fees, and other factors. They can also change daily. For an accurate quote, consult a CalHFA-approved loan officer.

CalHFA doesn’t lend money directly. Instead, they work through approved lenders who qualify consumers and provide all mortgage loans. Fees may differ depending on the lender and the specific program. You can view sample Annual Percentage Rates (APRs) here.

Homebuyer Education

CalHFA places a high value on homebuyer education and counseling, believing it’s crucial for the success and satisfaction of homeowners. First-time homebuyers using a CalHFA program must complete this education.

Who Needs to Take the Course?

• Only one first-time homebuyer who will live in the home must take the course per loan transaction.

How to Complete the Course

• ONLINE: The only online course accepted by CalHFA is eHome’s eight-hour Homebuyer Education and Counseling course (fee: $99). Other online courses like Frameworks and HomeView are not acceptable because they don’t include a one-hour, one-on-one counseling follow-up session.
• IN-PERSON or VIRTUAL: Attend live Homebuyer Education and Counseling sessions through NeighborWorks America or any HUD-Approved Housing Counseling Agency (fees vary by agency).

How to Apply

Applying for the CalHFA VA Program

CalHFA’s mortgage products are offered through private loan officers who are approved and trained by CalHFA. These loan officers can provide detailed information about the programs and guide you through the home buying process.

To get started, visit the Find a Loan Officer tab and contact a loan officer in your area.

Documents to Have Ready

When contacting a loan officer, having the following documents ready can help speed up the process:

• Pay stubs
• Bank statements
• Employment history
• Previous tax returns

Download our My First Home Down Payment and Closing Cost Assistance Program Handbook  https://homesinsdcounty.com/myhome-home-purchase-assistance-program-payment-handbook-and-guide/

Combining CalHFA VA and USDA Programs

For those looking to maximize their home financing options, consider combining the CalHFA VA program with the CalHFA USDA loan program. This combination can offer additional benefits and flexibility for eligible borrowers, particularly in rural areas. The CalHFA USDA program provides a zero down payment option, which can be a significant advantage for homebuyers.

To understand how you can leverage both programs, check out our detailed video explanation. This video covers the eligibility criteria, application process, and benefits of using the CalHFA USDA loan alongside the CalHFA VA program.

Watch the video here to learn more about combining these powerful home financing options.

🏡

🏡 HomesinSDCounty: Your Trusted Real Estate Partner—Local Roots, Nationwide Reach

Brad & Karen Mattonen Coldwell Banker West
San Diego Riverside Orange County Desert Communities
📞 858-518-2875 🌐 www.homesinsdcounty.com
Top 5 Market Experts in San Diego
Ethical. Compassionate. Relentless. Results-Driven.

💼 What We Specialize In

🔹 Probate, Trust & Estate Sales
🔹 Pre-Foreclosure & Distressed Properties
🔹 First-Time Buyers, Luxury Estates, Residential & Commercial
🔹 Strategic Negotiation for Buyers & Seller

Why Work With Us?

✔️ We navigate your sale or purchase with precision—prioritizing legal compliance, safety, and protection
✔️ We help you spot risks and blind spots that others often miss
✔️ We advocate fiercely to optimize your outcome and safeguard your future
✔️ We don’t do fluff—we deliver results with integrity and strategy

💥 Explore Our Valuable FREE Real Estate Resources

✓ eBooks | ✓ Checklists | ✓ Buying & Selling Guides | ✓ Investor Tools
→ Visit our Resources Page to download now.

🔗 Follow Us Everywhere!

Get daily market updates, home tours, and no-nonsense real estate advice:

• 📺 YouTube: Subscribe for Weekly Updates
• 👤 Facebook: North County SD Home Sales
• 📸 Instagram: @sandiegocountyhomes
• 📌 Pinterest: San Diego Living & Real Estate
• 🎵 TikTok: @homesinsandiegocounty
• 🐦 X (Twitter): @SDHomesForSale
• 💼 LinkedIn: Brad Mattonen – Professional Insights

🛫 Relocating? Buying, selling, or relocating in San Diego, Riverside, Orange County—or anywhere in the U.S.? We’ve Got You Covered—Nationwide

We’re not just your local experts. and we don’t just work in Southern California—we’re backed by the powerhouse Coldwell Banker National Network and a handpicked team of personally vetted agents across the country. Whether you’re making a move across town or across the country, we ensure a smooth, strategic, and successful experience.

We’ll connect you with an agent we trust—not just someone in the directory.
📲 Message us today and let’s make that move happen.

HomesinSDCounty – Your Smart Move. Wherever Life Takes You.

🛠️ Selling Your Home? Ask Us About RealVitalize

If you need to make improvements, repairs, or updates before you sell—but don’t want to pay upfront costs—RealVitalize is your solution.

Coldwell Banker’s RealVitalize program provides:

• ✅ Professional repairs, updates, and home improvement services
• ✅ No upfront out-of-pocket costs, hidden fees, or interest charges
• ✅ Seller pays back only the amount used—at closing
• ✅ Services available before or during your home listing period
• ✅ Designed to highlight your home’s best features and maximize value

We’ll help you prep your home for sale with zero stress and maximum impact.
📲 Contact us today to learn how RealVitalize can work for you.

A Comprehensive Guide to VA and USDA Loan Combinations for Veteran Homebuyers

The CalHFA VA program offers a VA-insured loan with a fixed interest rate over 30 years, perfect for those seeking stability in their mortgage payments.

CalHFA VA Program

Discover everything you need to know about the CalHFA VA program in the sections below.

Program Eligibility

To see if you qualify for the CalHFA VA Program, review the Borrower and Property Requirements.

Borrower Requirements

• You must live in the property as your main residence; non-occupant co-borrowers are not allowed.
• Complete homebuyer education counseling and get a certificate of completion from an approved organization.
• Meet the income limits set by CalHFA for this program.
• Have a valid certificate of eligibility according to VA guidelines.
• If there are conflicting guidelines, the stricter one must be followed.

Property Requirements

• The property must be a single-family, one-unit residence, including approved condos and PUDs.
• Guest houses, granny units, and in-law quarters may qualify.
• Manufactured homes are not allowed.
• Condos must adhere to the guidelines of the first mortgage.
• If there are conflicting guidelines, the stricter one must be followed.

Interest Rate

Understanding Interest Rates

Interest rates can vary based on your financial situation, lender fees, and other factors. They can also change daily. For an accurate quote, consult a CalHFA-approved loan officer.

CalHFA doesn’t lend money directly. Instead, they work through approved lenders who qualify consumers and provide all mortgage loans. Fees may differ depending on the lender and the specific program. You can view sample Annual Percentage Rates (APRs) here.

Homebuyer Education

CalHFA places a high value on homebuyer education and counseling, believing it’s crucial for the success and satisfaction of homeowners. First-time homebuyers using a CalHFA program must complete this education.

Who Needs to Take the Course?

• Only one first-time homebuyer who will live in the home must take the course per loan transaction.

How to Complete the Course

• ONLINE: The only online course accepted by CalHFA is eHome’s eight-hour Homebuyer Education and Counseling course (fee: $99). Other online courses like Frameworks and HomeView are not acceptable because they don’t include a one-hour, one-on-one counseling follow-up session.
• IN-PERSON or VIRTUAL: Attend live Homebuyer Education and Counseling sessions through NeighborWorks America or any HUD-Approved Housing Counseling Agency (fees vary by agency).

How to Apply

Applying for the CalHFA VA Program

CalHFA’s mortgage products are offered through private loan officers who are approved and trained by CalHFA. These loan officers can provide detailed information about the programs and guide you through the home buying process.

To get started, visit the Find a Loan Officer tab and contact a loan officer in your area.

Documents to Have Ready

When contacting a loan officer, having the following documents ready can help speed up the process:

• Pay stubs
• Bank statements
• Employment history
• Previous tax returns

Download our My First Home Down Payment and Closing Cost Assistance Program Handbook  https://homesinsdcounty.com/myhome-home-purchase-assistance-program-payment-handbook-and-guide/

Combining CalHFA VA and USDA Programs

For those looking to maximize their home financing options, consider combining the CalHFA VA program with the CalHFA USDA loan program. This combination can offer additional benefits and flexibility for eligible borrowers, particularly in rural areas. The CalHFA USDA program provides a zero down payment option, which can be a significant advantage for homebuyers.

To understand how you can leverage both programs, check out our detailed video explanation. This video covers the eligibility criteria, application process, and benefits of using the CalHFA USDA loan alongside the CalHFA VA program.

Watch the video here to learn more about combining these powerful home financing options.

🏡

🏡 HomesinSDCounty: Your Trusted Real Estate Partner—Local Roots, Nationwide Reach

Brad & Karen Mattonen Coldwell Banker West
San Diego Riverside Orange County Desert Communities
📞 858-518-2875 🌐 www.homesinsdcounty.com
Top 5 Market Experts in San Diego
Ethical. Compassionate. Relentless. Results-Driven.

💼 What We Specialize In

🔹 Probate, Trust & Estate Sales
🔹 Pre-Foreclosure & Distressed Properties
🔹 First-Time Buyers, Luxury Estates, Residential & Commercial
🔹 Strategic Negotiation for Buyers & Seller

Why Work With Us?

✔️ We navigate your sale or purchase with precision—prioritizing legal compliance, safety, and protection
✔️ We help you spot risks and blind spots that others often miss
✔️ We advocate fiercely to optimize your outcome and safeguard your future
✔️ We don’t do fluff—we deliver results with integrity and strategy

💥 Explore Our Valuable FREE Real Estate Resources

✓ eBooks | ✓ Checklists | ✓ Buying & Selling Guides | ✓ Investor Tools
→ Visit our Resources Page to download now.

🔗 Follow Us Everywhere!

Get daily market updates, home tours, and no-nonsense real estate advice:

• 📺 YouTube: Subscribe for Weekly Updates
• 👤 Facebook: North County SD Home Sales
• 📸 Instagram: @sandiegocountyhomes
• 📌 Pinterest: San Diego Living & Real Estate
• 🎵 TikTok: @homesinsandiegocounty
• 🐦 X (Twitter): @SDHomesForSale
• 💼 LinkedIn: Brad Mattonen – Professional Insights

🛫 Relocating? Buying, selling, or relocating in San Diego, Riverside, Orange County—or anywhere in the U.S.? We’ve Got You Covered—Nationwide

We’re not just your local experts. and we don’t just work in Southern California—we’re backed by the powerhouse Coldwell Banker National Network and a handpicked team of personally vetted agents across the country. Whether you’re making a move across town or across the country, we ensure a smooth, strategic, and successful experience.

We’ll connect you with an agent we trust—not just someone in the directory.
📲 Message us today and let’s make that move happen.

HomesinSDCounty – Your Smart Move. Wherever Life Takes You.

🛠️ Selling Your Home? Ask Us About RealVitalize

If you need to make improvements, repairs, or updates before you sell—but don’t want to pay upfront costs—RealVitalize is your solution.

Coldwell Banker’s RealVitalize program provides:

• ✅ Professional repairs, updates, and home improvement services
• ✅ No upfront out-of-pocket costs, hidden fees, or interest charges
• ✅ Seller pays back only the amount used—at closing
• ✅ Services available before or during your home listing period
• ✅ Designed to highlight your home’s best features and maximize value

We’ll help you prep your home for sale with zero stress and maximum impact.
📲 Contact us today to learn how RealVitalize can work for you.

A Comprehensive Guide to VA and USDA Loan Combinations for Veteran Homebuyers

The CalHFA VA program offers a VA-insured loan with a fixed interest rate over 30 years, perfect for those seeking stability in their mortgage payments.

CalHFA VA Program

Discover everything you need to know about the CalHFA VA program in the sections below.

Program Eligibility

To see if you qualify for the CalHFA VA Program, review the Borrower and Property Requirements.

Borrower Requirements

• You must live in the property as your main residence; non-occupant co-borrowers are not allowed.
• Complete homebuyer education counseling and get a certificate of completion from an approved organization.
• Meet the income limits set by CalHFA for this program.
• Have a valid certificate of eligibility according to VA guidelines.
• If there are conflicting guidelines, the stricter one must be followed.

Property Requirements

• The property must be a single-family, one-unit residence, including approved condos and PUDs.
• Guest houses, granny units, and in-law quarters may qualify.
• Manufactured homes are not allowed.
• Condos must adhere to the guidelines of the first mortgage.
• If there are conflicting guidelines, the stricter one must be followed.

Interest Rate

Understanding Interest Rates

Interest rates can vary based on your financial situation, lender fees, and other factors. They can also change daily. For an accurate quote, consult a CalHFA-approved loan officer.

CalHFA doesn’t lend money directly. Instead, they work through approved lenders who qualify consumers and provide all mortgage loans. Fees may differ depending on the lender and the specific program. You can view sample Annual Percentage Rates (APRs) here.

Homebuyer Education

CalHFA places a high value on homebuyer education and counseling, believing it’s crucial for the success and satisfaction of homeowners. First-time homebuyers using a CalHFA program must complete this education.

Who Needs to Take the Course?

• Only one first-time homebuyer who will live in the home must take the course per loan transaction.

How to Complete the Course

• ONLINE: The only online course accepted by CalHFA is eHome’s eight-hour Homebuyer Education and Counseling course (fee: $99). Other online courses like Frameworks and HomeView are not acceptable because they don’t include a one-hour, one-on-one counseling follow-up session.
• IN-PERSON or VIRTUAL: Attend live Homebuyer Education and Counseling sessions through NeighborWorks America or any HUD-Approved Housing Counseling Agency (fees vary by agency).

How to Apply

Applying for the CalHFA VA Program

CalHFA’s mortgage products are offered through private loan officers who are approved and trained by CalHFA. These loan officers can provide detailed information about the programs and guide you through the home buying process.

To get started, visit the Find a Loan Officer tab and contact a loan officer in your area.

Documents to Have Ready

When contacting a loan officer, having the following documents ready can help speed up the process:

• Pay stubs
• Bank statements
• Employment history
• Previous tax returns

Download our My First Home Down Payment and Closing Cost Assistance Program Handbook  https://homesinsdcounty.com/myhome-home-purchase-assistance-program-payment-handbook-and-guide/

Combining CalHFA VA and USDA Programs

For those looking to maximize their home financing options, consider combining the CalHFA VA program with the CalHFA USDA loan program. This combination can offer additional benefits and flexibility for eligible borrowers, particularly in rural areas. The CalHFA USDA program provides a zero down payment option, which can be a significant advantage for homebuyers.

To understand how you can leverage both programs, check out our detailed video explanation. This video covers the eligibility criteria, application process, and benefits of using the CalHFA USDA loan alongside the CalHFA VA program.

Watch the video here to learn more about combining these powerful home financing options.

🏡

🏡 HomesinSDCounty: Your Trusted Real Estate Partner—Local Roots, Nationwide Reach

Brad & Karen Mattonen Coldwell Banker West
San Diego Riverside Orange County Desert Communities
📞 858-518-2875 🌐 www.homesinsdcounty.com
Top 5 Market Experts in San Diego
Ethical. Compassionate. Relentless. Results-Driven.

💼 What We Specialize In

🔹 Probate, Trust & Estate Sales
🔹 Pre-Foreclosure & Distressed Properties
🔹 First-Time Buyers, Luxury Estates, Residential & Commercial
🔹 Strategic Negotiation for Buyers & Seller

Why Work With Us?

✔️ We navigate your sale or purchase with precision—prioritizing legal compliance, safety, and protection
✔️ We help you spot risks and blind spots that others often miss
✔️ We advocate fiercely to optimize your outcome and safeguard your future
✔️ We don’t do fluff—we deliver results with integrity and strategy

💥 Explore Our Valuable FREE Real Estate Resources

✓ eBooks | ✓ Checklists | ✓ Buying & Selling Guides | ✓ Investor Tools
→ Visit our Resources Page to download now.

🔗 Follow Us Everywhere!

Get daily market updates, home tours, and no-nonsense real estate advice:

• 📺 YouTube: Subscribe for Weekly Updates
• 👤 Facebook: North County SD Home Sales
• 📸 Instagram: @sandiegocountyhomes
• 📌 Pinterest: San Diego Living & Real Estate
• 🎵 TikTok: @homesinsandiegocounty
• 🐦 X (Twitter): @SDHomesForSale
• 💼 LinkedIn: Brad Mattonen – Professional Insights

🛫 Relocating? Buying, selling, or relocating in San Diego, Riverside, Orange County—or anywhere in the U.S.? We’ve Got You Covered—Nationwide

We’re not just your local experts. and we don’t just work in Southern California—we’re backed by the powerhouse Coldwell Banker National Network and a handpicked team of personally vetted agents across the country. Whether you’re making a move across town or across the country, we ensure a smooth, strategic, and successful experience.

We’ll connect you with an agent we trust—not just someone in the directory.
📲 Message us today and let’s make that move happen.

HomesinSDCounty – Your Smart Move. Wherever Life Takes You.

🛠️ Selling Your Home? Ask Us About RealVitalize

If you need to make improvements, repairs, or updates before you sell—but don’t want to pay upfront costs—RealVitalize is your solution.

Coldwell Banker’s RealVitalize program provides:

• ✅ Professional repairs, updates, and home improvement services
• ✅ No upfront out-of-pocket costs, hidden fees, or interest charges
• ✅ Seller pays back only the amount used—at closing
• ✅ Services available before or during your home listing period
• ✅ Designed to highlight your home’s best features and maximize value

We’ll help you prep your home for sale with zero stress and maximum impact.
📲 Contact us today to learn how RealVitalize can work for you.

A Comprehensive Guide to VA and USDA Loan Combinations for Veteran Homebuyers

The CalHFA VA program offers a VA-insured loan with a fixed interest rate over 30 years, perfect for those seeking stability in their mortgage payments.

CalHFA VA Program

Discover everything you need to know about the CalHFA VA program in the sections below.

Program Eligibility

To see if you qualify for the CalHFA VA Program, review the Borrower and Property Requirements.

Borrower Requirements

• You must live in the property as your main residence; non-occupant co-borrowers are not allowed.
• Complete homebuyer education counseling and get a certificate of completion from an approved organization.
• Meet the income limits set by CalHFA for this program.
• Have a valid certificate of eligibility according to VA guidelines.
• If there are conflicting guidelines, the stricter one must be followed.

Property Requirements

• The property must be a single-family, one-unit residence, including approved condos and PUDs.
• Guest houses, granny units, and in-law quarters may qualify.
• Manufactured homes are not allowed.
• Condos must adhere to the guidelines of the first mortgage.
• If there are conflicting guidelines, the stricter one must be followed.

Interest Rate

Understanding Interest Rates

Interest rates can vary based on your financial situation, lender fees, and other factors. They can also change daily. For an accurate quote, consult a CalHFA-approved loan officer.

CalHFA doesn’t lend money directly. Instead, they work through approved lenders who qualify consumers and provide all mortgage loans. Fees may differ depending on the lender and the specific program. You can view sample Annual Percentage Rates (APRs) here.

Homebuyer Education

CalHFA places a high value on homebuyer education and counseling, believing it’s crucial for the success and satisfaction of homeowners. First-time homebuyers using a CalHFA program must complete this education.

Who Needs to Take the Course?

• Only one first-time homebuyer who will live in the home must take the course per loan transaction.

How to Complete the Course

• ONLINE: The only online course accepted by CalHFA is eHome’s eight-hour Homebuyer Education and Counseling course (fee: $99). Other online courses like Frameworks and HomeView are not acceptable because they don’t include a one-hour, one-on-one counseling follow-up session.
• IN-PERSON or VIRTUAL: Attend live Homebuyer Education and Counseling sessions through NeighborWorks America or any HUD-Approved Housing Counseling Agency (fees vary by agency).

How to Apply

Applying for the CalHFA VA Program

CalHFA’s mortgage products are offered through private loan officers who are approved and trained by CalHFA. These loan officers can provide detailed information about the programs and guide you through the home buying process.

To get started, visit the Find a Loan Officer tab and contact a loan officer in your area.

Documents to Have Ready

When contacting a loan officer, having the following documents ready can help speed up the process:

• Pay stubs
• Bank statements
• Employment history
• Previous tax returns

Download our My First Home Down Payment and Closing Cost Assistance Program Handbook  https://homesinsdcounty.com/myhome-home-purchase-assistance-program-payment-handbook-and-guide/

Combining CalHFA VA and USDA Programs

For those looking to maximize their home financing options, consider combining the CalHFA VA program with the CalHFA USDA loan program. This combination can offer additional benefits and flexibility for eligible borrowers, particularly in rural areas. The CalHFA USDA program provides a zero down payment option, which can be a significant advantage for homebuyers.

To understand how you can leverage both programs, check out our detailed video explanation. This video covers the eligibility criteria, application process, and benefits of using the CalHFA USDA loan alongside the CalHFA VA program.

Watch the video here to learn more about combining these powerful home financing options.

🏡

🏡 HomesinSDCounty: Your Trusted Real Estate Partner—Local Roots, Nationwide Reach

Brad & Karen Mattonen Coldwell Banker West
San Diego Riverside Orange County Desert Communities
📞 858-518-2875 🌐 www.homesinsdcounty.com
Top 5 Market Experts in San Diego
Ethical. Compassionate. Relentless. Results-Driven.

💼 What We Specialize In

🔹 Probate, Trust & Estate Sales
🔹 Pre-Foreclosure & Distressed Properties
🔹 First-Time Buyers, Luxury Estates, Residential & Commercial
🔹 Strategic Negotiation for Buyers & Seller

Why Work With Us?

✔️ We navigate your sale or purchase with precision—prioritizing legal compliance, safety, and protection
✔️ We help you spot risks and blind spots that others often miss
✔️ We advocate fiercely to optimize your outcome and safeguard your future
✔️ We don’t do fluff—we deliver results with integrity and strategy

💥 Explore Our Valuable FREE Real Estate Resources

✓ eBooks | ✓ Checklists | ✓ Buying & Selling Guides | ✓ Investor Tools
→ Visit our Resources Page to download now.

🔗 Follow Us Everywhere!

Get daily market updates, home tours, and no-nonsense real estate advice:

• 📺 YouTube: Subscribe for Weekly Updates
• 👤 Facebook: North County SD Home Sales
• 📸 Instagram: @sandiegocountyhomes
• 📌 Pinterest: San Diego Living & Real Estate
• 🎵 TikTok: @homesinsandiegocounty
• 🐦 X (Twitter): @SDHomesForSale
• 💼 LinkedIn: Brad Mattonen – Professional Insights

🛫 Relocating? Buying, selling, or relocating in San Diego, Riverside, Orange County—or anywhere in the U.S.? We’ve Got You Covered—Nationwide

We’re not just your local experts. and we don’t just work in Southern California—we’re backed by the powerhouse Coldwell Banker National Network and a handpicked team of personally vetted agents across the country. Whether you’re making a move across town or across the country, we ensure a smooth, strategic, and successful experience.

We’ll connect you with an agent we trust—not just someone in the directory.
📲 Message us today and let’s make that move happen.

HomesinSDCounty – Your Smart Move. Wherever Life Takes You.

🛠️ Selling Your Home? Ask Us About RealVitalize

If you need to make improvements, repairs, or updates before you sell—but don’t want to pay upfront costs—RealVitalize is your solution.

Coldwell Banker’s RealVitalize program provides:

• ✅ Professional repairs, updates, and home improvement services
• ✅ No upfront out-of-pocket costs, hidden fees, or interest charges
• ✅ Seller pays back only the amount used—at closing
• ✅ Services available before or during your home listing period
• ✅ Designed to highlight your home’s best features and maximize value

We’ll help you prep your home for sale with zero stress and maximum impact.
📲 Contact us today to learn how RealVitalize can work for you.

A Comprehensive Guide to VA and USDA Loan Combinations for Veteran Homebuyers

The CalHFA VA program offers a VA-insured loan with a fixed interest rate over 30 years, perfect for those seeking stability in their mortgage payments.

CalHFA VA Program

Discover everything you need to know about the CalHFA VA program in the sections below.

Program Eligibility

To see if you qualify for the CalHFA VA Program, review the Borrower and Property Requirements.

Borrower Requirements

• You must live in the property as your main residence; non-occupant co-borrowers are not allowed.
• Complete homebuyer education counseling and get a certificate of completion from an approved organization.
• Meet the income limits set by CalHFA for this program.
• Have a valid certificate of eligibility according to VA guidelines.
• If there are conflicting guidelines, the stricter one must be followed.

Property Requirements

• The property must be a single-family, one-unit residence, including approved condos and PUDs.
• Guest houses, granny units, and in-law quarters may qualify.
• Manufactured homes are not allowed.
• Condos must adhere to the guidelines of the first mortgage.
• If there are conflicting guidelines, the stricter one must be followed.

Interest Rate

Understanding Interest Rates

Interest rates can vary based on your financial situation, lender fees, and other factors. They can also change daily. For an accurate quote, consult a CalHFA-approved loan officer.

CalHFA doesn’t lend money directly. Instead, they work through approved lenders who qualify consumers and provide all mortgage loans. Fees may differ depending on the lender and the specific program. You can view sample Annual Percentage Rates (APRs) here.

Homebuyer Education

CalHFA places a high value on homebuyer education and counseling, believing it’s crucial for the success and satisfaction of homeowners. First-time homebuyers using a CalHFA program must complete this education.

Who Needs to Take the Course?

• Only one first-time homebuyer who will live in the home must take the course per loan transaction.

How to Complete the Course

• ONLINE: The only online course accepted by CalHFA is eHome’s eight-hour Homebuyer Education and Counseling course (fee: $99). Other online courses like Frameworks and HomeView are not acceptable because they don’t include a one-hour, one-on-one counseling follow-up session.
• IN-PERSON or VIRTUAL: Attend live Homebuyer Education and Counseling sessions through NeighborWorks America or any HUD-Approved Housing Counseling Agency (fees vary by agency).

How to Apply

Applying for the CalHFA VA Program

CalHFA’s mortgage products are offered through private loan officers who are approved and trained by CalHFA. These loan officers can provide detailed information about the programs and guide you through the home buying process.

To get started, visit the Find a Loan Officer tab and contact a loan officer in your area.

Documents to Have Ready

When contacting a loan officer, having the following documents ready can help speed up the process:

• Pay stubs
• Bank statements
• Employment history
• Previous tax returns

Download our My First Home Down Payment and Closing Cost Assistance Program Handbook  https://homesinsdcounty.com/myhome-home-purchase-assistance-program-payment-handbook-and-guide/

Combining CalHFA VA and USDA Programs

For those looking to maximize their home financing options, consider combining the CalHFA VA program with the CalHFA USDA loan program. This combination can offer additional benefits and flexibility for eligible borrowers, particularly in rural areas. The CalHFA USDA program provides a zero down payment option, which can be a significant advantage for homebuyers.

To understand how you can leverage both programs, check out our detailed video explanation. This video covers the eligibility criteria, application process, and benefits of using the CalHFA USDA loan alongside the CalHFA VA program.

Watch the video here to learn more about combining these powerful home financing options.

🏡

🏡 HomesinSDCounty: Your Trusted Real Estate Partner—Local Roots, Nationwide Reach

Brad & Karen Mattonen Coldwell Banker West
San Diego Riverside Orange County Desert Communities
📞 858-518-2875 🌐 www.homesinsdcounty.com
Top 5 Market Experts in San Diego
Ethical. Compassionate. Relentless. Results-Driven.

💼 What We Specialize In

🔹 Probate, Trust & Estate Sales
🔹 Pre-Foreclosure & Distressed Properties
🔹 First-Time Buyers, Luxury Estates, Residential & Commercial
🔹 Strategic Negotiation for Buyers & Seller

Why Work With Us?

✔️ We navigate your sale or purchase with precision—prioritizing legal compliance, safety, and protection
✔️ We help you spot risks and blind spots that others often miss
✔️ We advocate fiercely to optimize your outcome and safeguard your future
✔️ We don’t do fluff—we deliver results with integrity and strategy

💥 Explore Our Valuable FREE Real Estate Resources

✓ eBooks | ✓ Checklists | ✓ Buying & Selling Guides | ✓ Investor Tools
→ Visit our Resources Page to download now.

🔗 Follow Us Everywhere!

Get daily market updates, home tours, and no-nonsense real estate advice:

• 📺 YouTube: Subscribe for Weekly Updates
• 👤 Facebook: North County SD Home Sales
• 📸 Instagram: @sandiegocountyhomes
• 📌 Pinterest: San Diego Living & Real Estate
• 🎵 TikTok: @homesinsandiegocounty
• 🐦 X (Twitter): @SDHomesForSale
• 💼 LinkedIn: Brad Mattonen – Professional Insights

🛫 Relocating? Buying, selling, or relocating in San Diego, Riverside, Orange County—or anywhere in the U.S.? We’ve Got You Covered—Nationwide

We’re not just your local experts. and we don’t just work in Southern California—we’re backed by the powerhouse Coldwell Banker National Network and a handpicked team of personally vetted agents across the country. Whether you’re making a move across town or across the country, we ensure a smooth, strategic, and successful experience.

We’ll connect you with an agent we trust—not just someone in the directory.
📲 Message us today and let’s make that move happen.

HomesinSDCounty – Your Smart Move. Wherever Life Takes You.

🛠️ Selling Your Home? Ask Us About RealVitalize

If you need to make improvements, repairs, or updates before you sell—but don’t want to pay upfront costs—RealVitalize is your solution.

Coldwell Banker’s RealVitalize program provides:

• ✅ Professional repairs, updates, and home improvement services
• ✅ No upfront out-of-pocket costs, hidden fees, or interest charges
• ✅ Seller pays back only the amount used—at closing
• ✅ Services available before or during your home listing period
• ✅ Designed to highlight your home’s best features and maximize value

We’ll help you prep your home for sale with zero stress and maximum impact.
📲 Contact us today to learn how RealVitalize can work for you.

A Comprehensive Guide to VA and USDA Loan Combinations for Veteran Homebuyers

The CalHFA VA program offers a VA-insured loan with a fixed interest rate over 30 years, perfect for those seeking stability in their mortgage payments.

CalHFA VA Program

Discover everything you need to know about the CalHFA VA program in the sections below.

Program Eligibility

To see if you qualify for the CalHFA VA Program, review the Borrower and Property Requirements.

Borrower Requirements

• You must live in the property as your main residence; non-occupant co-borrowers are not allowed.
• Complete homebuyer education counseling and get a certificate of completion from an approved organization.
• Meet the income limits set by CalHFA for this program.
• Have a valid certificate of eligibility according to VA guidelines.
• If there are conflicting guidelines, the stricter one must be followed.

Property Requirements

• The property must be a single-family, one-unit residence, including approved condos and PUDs.
• Guest houses, granny units, and in-law quarters may qualify.
• Manufactured homes are not allowed.
• Condos must adhere to the guidelines of the first mortgage.
• If there are conflicting guidelines, the stricter one must be followed.

Interest Rate

Understanding Interest Rates

Interest rates can vary based on your financial situation, lender fees, and other factors. They can also change daily. For an accurate quote, consult a CalHFA-approved loan officer.

CalHFA doesn’t lend money directly. Instead, they work through approved lenders who qualify consumers and provide all mortgage loans. Fees may differ depending on the lender and the specific program. You can view sample Annual Percentage Rates (APRs) here.

Homebuyer Education

CalHFA places a high value on homebuyer education and counseling, believing it’s crucial for the success and satisfaction of homeowners. First-time homebuyers using a CalHFA program must complete this education.

Who Needs to Take the Course?

• Only one first-time homebuyer who will live in the home must take the course per loan transaction.

How to Complete the Course

• ONLINE: The only online course accepted by CalHFA is eHome’s eight-hour Homebuyer Education and Counseling course (fee: $99). Other online courses like Frameworks and HomeView are not acceptable because they don’t include a one-hour, one-on-one counseling follow-up session.
• IN-PERSON or VIRTUAL: Attend live Homebuyer Education and Counseling sessions through NeighborWorks America or any HUD-Approved Housing Counseling Agency (fees vary by agency).

How to Apply

Applying for the CalHFA VA Program

CalHFA’s mortgage products are offered through private loan officers who are approved and trained by CalHFA. These loan officers can provide detailed information about the programs and guide you through the home buying process.

To get started, visit the Find a Loan Officer tab and contact a loan officer in your area.

Documents to Have Ready

When contacting a loan officer, having the following documents ready can help speed up the process:

• Pay stubs
• Bank statements
• Employment history
• Previous tax returns

Download our My First Home Down Payment and Closing Cost Assistance Program Handbook  https://homesinsdcounty.com/myhome-home-purchase-assistance-program-payment-handbook-and-guide/

Combining CalHFA VA and USDA Programs

For those looking to maximize their home financing options, consider combining the CalHFA VA program with the CalHFA USDA loan program. This combination can offer additional benefits and flexibility for eligible borrowers, particularly in rural areas. The CalHFA USDA program provides a zero down payment option, which can be a significant advantage for homebuyers.

To understand how you can leverage both programs, check out our detailed video explanation. This video covers the eligibility criteria, application process, and benefits of using the CalHFA USDA loan alongside the CalHFA VA program.

Watch the video here to learn more about combining these powerful home financing options.

🏡

🏡 HomesinSDCounty: Your Trusted Real Estate Partner—Local Roots, Nationwide Reach

Brad & Karen Mattonen Coldwell Banker West
San Diego Riverside Orange County Desert Communities
📞 858-518-2875 🌐 www.homesinsdcounty.com
Top 5 Market Experts in San Diego
Ethical. Compassionate. Relentless. Results-Driven.

💼 What We Specialize In

🔹 Probate, Trust & Estate Sales
🔹 Pre-Foreclosure & Distressed Properties
🔹 First-Time Buyers, Luxury Estates, Residential & Commercial
🔹 Strategic Negotiation for Buyers & Seller

Why Work With Us?

✔️ We navigate your sale or purchase with precision—prioritizing legal compliance, safety, and protection
✔️ We help you spot risks and blind spots that others often miss
✔️ We advocate fiercely to optimize your outcome and safeguard your future
✔️ We don’t do fluff—we deliver results with integrity and strategy

💥 Explore Our Valuable FREE Real Estate Resources

✓ eBooks | ✓ Checklists | ✓ Buying & Selling Guides | ✓ Investor Tools
→ Visit our Resources Page to download now.

🔗 Follow Us Everywhere!

Get daily market updates, home tours, and no-nonsense real estate advice:

• 📺 YouTube: Subscribe for Weekly Updates
• 👤 Facebook: North County SD Home Sales
• 📸 Instagram: @sandiegocountyhomes
• 📌 Pinterest: San Diego Living & Real Estate
• 🎵 TikTok: @homesinsandiegocounty
• 🐦 X (Twitter): @SDHomesForSale
• 💼 LinkedIn: Brad Mattonen – Professional Insights

🛫 Relocating? Buying, selling, or relocating in San Diego, Riverside, Orange County—or anywhere in the U.S.? We’ve Got You Covered—Nationwide

We’re not just your local experts. and we don’t just work in Southern California—we’re backed by the powerhouse Coldwell Banker National Network and a handpicked team of personally vetted agents across the country. Whether you’re making a move across town or across the country, we ensure a smooth, strategic, and successful experience.

We’ll connect you with an agent we trust—not just someone in the directory.
📲 Message us today and let’s make that move happen.

HomesinSDCounty – Your Smart Move. Wherever Life Takes You.

🛠️ Selling Your Home? Ask Us About RealVitalize

If you need to make improvements, repairs, or updates before you sell—but don’t want to pay upfront costs—RealVitalize is your solution.

Coldwell Banker’s RealVitalize program provides:

• ✅ Professional repairs, updates, and home improvement services
• ✅ No upfront out-of-pocket costs, hidden fees, or interest charges
• ✅ Seller pays back only the amount used—at closing
• ✅ Services available before or during your home listing period
• ✅ Designed to highlight your home’s best features and maximize value

We’ll help you prep your home for sale with zero stress and maximum impact.
📲 Contact us today to learn how RealVitalize can work for you.

A Comprehensive Guide to VA and USDA Loan Combinations for Veteran Homebuyers

The CalHFA VA program offers a VA-insured loan with a fixed interest rate over 30 years, perfect for those seeking stability in their mortgage payments.

CalHFA VA Program

Discover everything you need to know about the CalHFA VA program in the sections below.

Program Eligibility

To see if you qualify for the CalHFA VA Program, review the Borrower and Property Requirements.

Borrower Requirements

• You must live in the property as your main residence; non-occupant co-borrowers are not allowed.
• Complete homebuyer education counseling and get a certificate of completion from an approved organization.
• Meet the income limits set by CalHFA for this program.
• Have a valid certificate of eligibility according to VA guidelines.
• If there are conflicting guidelines, the stricter one must be followed.

Property Requirements

• The property must be a single-family, one-unit residence, including approved condos and PUDs.
• Guest houses, granny units, and in-law quarters may qualify.
• Manufactured homes are not allowed.
• Condos must adhere to the guidelines of the first mortgage.
• If there are conflicting guidelines, the stricter one must be followed.

Interest Rate

Understanding Interest Rates

Interest rates can vary based on your financial situation, lender fees, and other factors. They can also change daily. For an accurate quote, consult a CalHFA-approved loan officer.

CalHFA doesn’t lend money directly. Instead, they work through approved lenders who qualify consumers and provide all mortgage loans. Fees may differ depending on the lender and the specific program. You can view sample Annual Percentage Rates (APRs) here.

Homebuyer Education

CalHFA places a high value on homebuyer education and counseling, believing it’s crucial for the success and satisfaction of homeowners. First-time homebuyers using a CalHFA program must complete this education.

Who Needs to Take the Course?

• Only one first-time homebuyer who will live in the home must take the course per loan transaction.

How to Complete the Course

• ONLINE: The only online course accepted by CalHFA is eHome’s eight-hour Homebuyer Education and Counseling course (fee: $99). Other online courses like Frameworks and HomeView are not acceptable because they don’t include a one-hour, one-on-one counseling follow-up session.
• IN-PERSON or VIRTUAL: Attend live Homebuyer Education and Counseling sessions through NeighborWorks America or any HUD-Approved Housing Counseling Agency (fees vary by agency).

How to Apply

Applying for the CalHFA VA Program

CalHFA’s mortgage products are offered through private loan officers who are approved and trained by CalHFA. These loan officers can provide detailed information about the programs and guide you through the home buying process.

To get started, visit the Find a Loan Officer tab and contact a loan officer in your area.

Documents to Have Ready

When contacting a loan officer, having the following documents ready can help speed up the process:

• Pay stubs
• Bank statements
• Employment history
• Previous tax returns

Download our My First Home Down Payment and Closing Cost Assistance Program Handbook  https://homesinsdcounty.com/myhome-home-purchase-assistance-program-payment-handbook-and-guide/

Combining CalHFA VA and USDA Programs

For those looking to maximize their home financing options, consider combining the CalHFA VA program with the CalHFA USDA loan program. This combination can offer additional benefits and flexibility for eligible borrowers, particularly in rural areas. The CalHFA USDA program provides a zero down payment option, which can be a significant advantage for homebuyers.

To understand how you can leverage both programs, check out our detailed video explanation. This video covers the eligibility criteria, application process, and benefits of using the CalHFA USDA loan alongside the CalHFA VA program.

Watch the video here to learn more about combining these powerful home financing options.

🏡

🏡 HomesinSDCounty: Your Trusted Real Estate Partner—Local Roots, Nationwide Reach

Brad & Karen Mattonen Coldwell Banker West
San Diego Riverside Orange County Desert Communities
📞 858-518-2875 🌐 www.homesinsdcounty.com
Top 5 Market Experts in San Diego
Ethical. Compassionate. Relentless. Results-Driven.

💼 What We Specialize In

🔹 Probate, Trust & Estate Sales
🔹 Pre-Foreclosure & Distressed Properties
🔹 First-Time Buyers, Luxury Estates, Residential & Commercial
🔹 Strategic Negotiation for Buyers & Seller

Why Work With Us?

✔️ We navigate your sale or purchase with precision—prioritizing legal compliance, safety, and protection
✔️ We help you spot risks and blind spots that others often miss
✔️ We advocate fiercely to optimize your outcome and safeguard your future
✔️ We don’t do fluff—we deliver results with integrity and strategy

💥 Explore Our Valuable FREE Real Estate Resources

✓ eBooks | ✓ Checklists | ✓ Buying & Selling Guides | ✓ Investor Tools
→ Visit our Resources Page to download now.

🔗 Follow Us Everywhere!

Get daily market updates, home tours, and no-nonsense real estate advice:

• 📺 YouTube: Subscribe for Weekly Updates
• 👤 Facebook: North County SD Home Sales
• 📸 Instagram: @sandiegocountyhomes
• 📌 Pinterest: San Diego Living & Real Estate
• 🎵 TikTok: @homesinsandiegocounty
• 🐦 X (Twitter): @SDHomesForSale
• 💼 LinkedIn: Brad Mattonen – Professional Insights

🛫 Relocating? Buying, selling, or relocating in San Diego, Riverside, Orange County—or anywhere in the U.S.? We’ve Got You Covered—Nationwide

We’re not just your local experts. and we don’t just work in Southern California—we’re backed by the powerhouse Coldwell Banker National Network and a handpicked team of personally vetted agents across the country. Whether you’re making a move across town or across the country, we ensure a smooth, strategic, and successful experience.

We’ll connect you with an agent we trust—not just someone in the directory.
📲 Message us today and let’s make that move happen.

HomesinSDCounty – Your Smart Move. Wherever Life Takes You.

🛠️ Selling Your Home? Ask Us About RealVitalize

If you need to make improvements, repairs, or updates before you sell—but don’t want to pay upfront costs—RealVitalize is your solution.

Coldwell Banker’s RealVitalize program provides:

• ✅ Professional repairs, updates, and home improvement services
• ✅ No upfront out-of-pocket costs, hidden fees, or interest charges
• ✅ Seller pays back only the amount used—at closing
• ✅ Services available before or during your home listing period
• ✅ Designed to highlight your home’s best features and maximize value

We’ll help you prep your home for sale with zero stress and maximum impact.
📲 Contact us today to learn how RealVitalize can work for you.

A Comprehensive Guide to VA and USDA Loan Combinations for Veteran Homebuyers

The CalHFA VA program offers a VA-insured loan with a fixed interest rate over 30 years, perfect for those seeking stability in their mortgage payments.

CalHFA VA Program

Discover everything you need to know about the CalHFA VA program in the sections below.

Program Eligibility

To see if you qualify for the CalHFA VA Program, review the Borrower and Property Requirements.

Borrower Requirements

• You must live in the property as your main residence; non-occupant co-borrowers are not allowed.
• Complete homebuyer education counseling and get a certificate of completion from an approved organization.
• Meet the income limits set by CalHFA for this program.
• Have a valid certificate of eligibility according to VA guidelines.
• If there are conflicting guidelines, the stricter one must be followed.

Property Requirements

• The property must be a single-family, one-unit residence, including approved condos and PUDs.
• Guest houses, granny units, and in-law quarters may qualify.
• Manufactured homes are not allowed.
• Condos must adhere to the guidelines of the first mortgage.
• If there are conflicting guidelines, the stricter one must be followed.

Interest Rate

Understanding Interest Rates

Interest rates can vary based on your financial situation, lender fees, and other factors. They can also change daily. For an accurate quote, consult a CalHFA-approved loan officer.

CalHFA doesn’t lend money directly. Instead, they work through approved lenders who qualify consumers and provide all mortgage loans. Fees may differ depending on the lender and the specific program. You can view sample Annual Percentage Rates (APRs) here.

Homebuyer Education

CalHFA places a high value on homebuyer education and counseling, believing it’s crucial for the success and satisfaction of homeowners. First-time homebuyers using a CalHFA program must complete this education.

Who Needs to Take the Course?

• Only one first-time homebuyer who will live in the home must take the course per loan transaction.

How to Complete the Course

• ONLINE: The only online course accepted by CalHFA is eHome’s eight-hour Homebuyer Education and Counseling course (fee: $99). Other online courses like Frameworks and HomeView are not acceptable because they don’t include a one-hour, one-on-one counseling follow-up session.
• IN-PERSON or VIRTUAL: Attend live Homebuyer Education and Counseling sessions through NeighborWorks America or any HUD-Approved Housing Counseling Agency (fees vary by agency).

How to Apply

Applying for the CalHFA VA Program

CalHFA’s mortgage products are offered through private loan officers who are approved and trained by CalHFA. These loan officers can provide detailed information about the programs and guide you through the home buying process.

To get started, visit the Find a Loan Officer tab and contact a loan officer in your area.

Documents to Have Ready

When contacting a loan officer, having the following documents ready can help speed up the process:

• Pay stubs
• Bank statements
• Employment history
• Previous tax returns

Download our My First Home Down Payment and Closing Cost Assistance Program Handbook  https://homesinsdcounty.com/myhome-home-purchase-assistance-program-payment-handbook-and-guide/

Combining CalHFA VA and USDA Programs

For those looking to maximize their home financing options, consider combining the CalHFA VA program with the CalHFA USDA loan program. This combination can offer additional benefits and flexibility for eligible borrowers, particularly in rural areas. The CalHFA USDA program provides a zero down payment option, which can be a significant advantage for homebuyers.

To understand how you can leverage both programs, check out our detailed video explanation. This video covers the eligibility criteria, application process, and benefits of using the CalHFA USDA loan alongside the CalHFA VA program.

Watch the video here to learn more about combining these powerful home financing options.

🏡

🏡 HomesinSDCounty: Your Trusted Real Estate Partner—Local Roots, Nationwide Reach

Brad & Karen Mattonen Coldwell Banker West
San Diego Riverside Orange County Desert Communities
📞 858-518-2875 🌐 www.homesinsdcounty.com
Top 5 Market Experts in San Diego
Ethical. Compassionate. Relentless. Results-Driven.

💼 What We Specialize In

🔹 Probate, Trust & Estate Sales
🔹 Pre-Foreclosure & Distressed Properties
🔹 First-Time Buyers, Luxury Estates, Residential & Commercial
🔹 Strategic Negotiation for Buyers & Seller

Why Work With Us?

✔️ We navigate your sale or purchase with precision—prioritizing legal compliance, safety, and protection
✔️ We help you spot risks and blind spots that others often miss
✔️ We advocate fiercely to optimize your outcome and safeguard your future
✔️ We don’t do fluff—we deliver results with integrity and strategy

💥 Explore Our Valuable FREE Real Estate Resources

✓ eBooks | ✓ Checklists | ✓ Buying & Selling Guides | ✓ Investor Tools
→ Visit our Resources Page to download now.

🔗 Follow Us Everywhere!

Get daily market updates, home tours, and no-nonsense real estate advice:

• 📺 YouTube: Subscribe for Weekly Updates
• 👤 Facebook: North County SD Home Sales
• 📸 Instagram: @sandiegocountyhomes
• 📌 Pinterest: San Diego Living & Real Estate
• 🎵 TikTok: @homesinsandiegocounty
• 🐦 X (Twitter): @SDHomesForSale
• 💼 LinkedIn: Brad Mattonen – Professional Insights

🛫 Relocating? Buying, selling, or relocating in San Diego, Riverside, Orange County—or anywhere in the U.S.? We’ve Got You Covered—Nationwide

We’re not just your local experts. and we don’t just work in Southern California—we’re backed by the powerhouse Coldwell Banker National Network and a handpicked team of personally vetted agents across the country. Whether you’re making a move across town or across the country, we ensure a smooth, strategic, and successful experience.

We’ll connect you with an agent we trust—not just someone in the directory.
📲 Message us today and let’s make that move happen.

HomesinSDCounty – Your Smart Move. Wherever Life Takes You.

🛠️ Selling Your Home? Ask Us About RealVitalize

If you need to make improvements, repairs, or updates before you sell—but don’t want to pay upfront costs—RealVitalize is your solution.

Coldwell Banker’s RealVitalize program provides:

• ✅ Professional repairs, updates, and home improvement services
• ✅ No upfront out-of-pocket costs, hidden fees, or interest charges
• ✅ Seller pays back only the amount used—at closing
• ✅ Services available before or during your home listing period
• ✅ Designed to highlight your home’s best features and maximize value

We’ll help you prep your home for sale with zero stress and maximum impact.
📲 Contact us today to learn how RealVitalize can work for you.

A Comprehensive Guide to VA and USDA Loan Combinations for Veteran Homebuyers

The CalHFA VA program offers a VA-insured loan with a fixed interest rate over 30 years, perfect for those seeking stability in their mortgage payments.

CalHFA VA Program

Discover everything you need to know about the CalHFA VA program in the sections below.

Program Eligibility

To see if you qualify for the CalHFA VA Program, review the Borrower and Property Requirements.

Borrower Requirements

• You must live in the property as your main residence; non-occupant co-borrowers are not allowed.
• Complete homebuyer education counseling and get a certificate of completion from an approved organization.
• Meet the income limits set by CalHFA for this program.
• Have a valid certificate of eligibility according to VA guidelines.
• If there are conflicting guidelines, the stricter one must be followed.

Property Requirements

• The property must be a single-family, one-unit residence, including approved condos and PUDs.
• Guest houses, granny units, and in-law quarters may qualify.
• Manufactured homes are not allowed.
• Condos must adhere to the guidelines of the first mortgage.
• If there are conflicting guidelines, the stricter one must be followed.

Interest Rate

Understanding Interest Rates

Interest rates can vary based on your financial situation, lender fees, and other factors. They can also change daily. For an accurate quote, consult a CalHFA-approved loan officer.

CalHFA doesn’t lend money directly. Instead, they work through approved lenders who qualify consumers and provide all mortgage loans. Fees may differ depending on the lender and the specific program. You can view sample Annual Percentage Rates (APRs) here.

Homebuyer Education

CalHFA places a high value on homebuyer education and counseling, believing it’s crucial for the success and satisfaction of homeowners. First-time homebuyers using a CalHFA program must complete this education.

Who Needs to Take the Course?

• Only one first-time homebuyer who will live in the home must take the course per loan transaction.

How to Complete the Course

• ONLINE: The only online course accepted by CalHFA is eHome’s eight-hour Homebuyer Education and Counseling course (fee: $99). Other online courses like Frameworks and HomeView are not acceptable because they don’t include a one-hour, one-on-one counseling follow-up session.
• IN-PERSON or VIRTUAL: Attend live Homebuyer Education and Counseling sessions through NeighborWorks America or any HUD-Approved Housing Counseling Agency (fees vary by agency).

How to Apply

Applying for the CalHFA VA Program

CalHFA’s mortgage products are offered through private loan officers who are approved and trained by CalHFA. These loan officers can provide detailed information about the programs and guide you through the home buying process.

To get started, visit the Find a Loan Officer tab and contact a loan officer in your area.

Documents to Have Ready

When contacting a loan officer, having the following documents ready can help speed up the process:

• Pay stubs
• Bank statements
• Employment history
• Previous tax returns

Download our My First Home Down Payment and Closing Cost Assistance Program Handbook  https://homesinsdcounty.com/myhome-home-purchase-assistance-program-payment-handbook-and-guide/

Combining CalHFA VA and USDA Programs

For those looking to maximize their home financing options, consider combining the CalHFA VA program with the CalHFA USDA loan program. This combination can offer additional benefits and flexibility for eligible borrowers, particularly in rural areas. The CalHFA USDA program provides a zero down payment option, which can be a significant advantage for homebuyers.

To understand how you can leverage both programs, check out our detailed video explanation. This video covers the eligibility criteria, application process, and benefits of using the CalHFA USDA loan alongside the CalHFA VA program.

Watch the video here to learn more about combining these powerful home financing options.

🏡

🏡 HomesinSDCounty: Your Trusted Real Estate Partner—Local Roots, Nationwide Reach

Brad & Karen Mattonen Coldwell Banker West
San Diego Riverside Orange County Desert Communities
📞 858-518-2875 🌐 www.homesinsdcounty.com
Top 5 Market Experts in San Diego
Ethical. Compassionate. Relentless. Results-Driven.

💼 What We Specialize In

🔹 Probate, Trust & Estate Sales
🔹 Pre-Foreclosure & Distressed Properties
🔹 First-Time Buyers, Luxury Estates, Residential & Commercial
🔹 Strategic Negotiation for Buyers & Seller

Why Work With Us?

✔️ We navigate your sale or purchase with precision—prioritizing legal compliance, safety, and protection
✔️ We help you spot risks and blind spots that others often miss
✔️ We advocate fiercely to optimize your outcome and safeguard your future
✔️ We don’t do fluff—we deliver results with integrity and strategy

💥 Explore Our Valuable FREE Real Estate Resources

✓ eBooks | ✓ Checklists | ✓ Buying & Selling Guides | ✓ Investor Tools
→ Visit our Resources Page to download now.

🔗 Follow Us Everywhere!

Get daily market updates, home tours, and no-nonsense real estate advice:

• 📺 YouTube: Subscribe for Weekly Updates
• 👤 Facebook: North County SD Home Sales
• 📸 Instagram: @sandiegocountyhomes
• 📌 Pinterest: San Diego Living & Real Estate
• 🎵 TikTok: @homesinsandiegocounty
• 🐦 X (Twitter): @SDHomesForSale
• 💼 LinkedIn: Brad Mattonen – Professional Insights

🛫 Relocating? Buying, selling, or relocating in San Diego, Riverside, Orange County—or anywhere in the U.S.? We’ve Got You Covered—Nationwide

We’re not just your local experts. and we don’t just work in Southern California—we’re backed by the powerhouse Coldwell Banker National Network and a handpicked team of personally vetted agents across the country. Whether you’re making a move across town or across the country, we ensure a smooth, strategic, and successful experience.

We’ll connect you with an agent we trust—not just someone in the directory.
📲 Message us today and let’s make that move happen.

HomesinSDCounty – Your Smart Move. Wherever Life Takes You.

🛠️ Selling Your Home? Ask Us About RealVitalize

If you need to make improvements, repairs, or updates before you sell—but don’t want to pay upfront costs—RealVitalize is your solution.

Coldwell Banker’s RealVitalize program provides:

• ✅ Professional repairs, updates, and home improvement services
• ✅ No upfront out-of-pocket costs, hidden fees, or interest charges
• ✅ Seller pays back only the amount used—at closing
• ✅ Services available before or during your home listing period
• ✅ Designed to highlight your home’s best features and maximize value

We’ll help you prep your home for sale with zero stress and maximum impact.
📲 Contact us today to learn how RealVitalize can work for you.

A Comprehensive Guide to VA and USDA Loan Combinations for Veteran Homebuyers

The CalHFA VA program offers a VA-insured loan with a fixed interest rate over 30 years, perfect for those seeking stability in their mortgage payments.

CalHFA VA Program

Discover everything you need to know about the CalHFA VA program in the sections below.

Program Eligibility

To see if you qualify for the CalHFA VA Program, review the Borrower and Property Requirements.

Borrower Requirements

• You must live in the property as your main residence; non-occupant co-borrowers are not allowed.
• Complete homebuyer education counseling and get a certificate of completion from an approved organization.
• Meet the income limits set by CalHFA for this program.
• Have a valid certificate of eligibility according to VA guidelines.
• If there are conflicting guidelines, the stricter one must be followed.

Property Requirements

• The property must be a single-family, one-unit residence, including approved condos and PUDs.
• Guest houses, granny units, and in-law quarters may qualify.
• Manufactured homes are not allowed.
• Condos must adhere to the guidelines of the first mortgage.
• If there are conflicting guidelines, the stricter one must be followed.

Interest Rate

Understanding Interest Rates

Interest rates can vary based on your financial situation, lender fees, and other factors. They can also change daily. For an accurate quote, consult a CalHFA-approved loan officer.

CalHFA doesn’t lend money directly. Instead, they work through approved lenders who qualify consumers and provide all mortgage loans. Fees may differ depending on the lender and the specific program. You can view sample Annual Percentage Rates (APRs) here.

Homebuyer Education

CalHFA places a high value on homebuyer education and counseling, believing it’s crucial for the success and satisfaction of homeowners. First-time homebuyers using a CalHFA program must complete this education.

Who Needs to Take the Course?

• Only one first-time homebuyer who will live in the home must take the course per loan transaction.

How to Complete the Course

• ONLINE: The only online course accepted by CalHFA is eHome’s eight-hour Homebuyer Education and Counseling course (fee: $99). Other online courses like Frameworks and HomeView are not acceptable because they don’t include a one-hour, one-on-one counseling follow-up session.
• IN-PERSON or VIRTUAL: Attend live Homebuyer Education and Counseling sessions through NeighborWorks America or any HUD-Approved Housing Counseling Agency (fees vary by agency).

How to Apply

Applying for the CalHFA VA Program

CalHFA’s mortgage products are offered through private loan officers who are approved and trained by CalHFA. These loan officers can provide detailed information about the programs and guide you through the home buying process.

To get started, visit the Find a Loan Officer tab and contact a loan officer in your area.

Documents to Have Ready

When contacting a loan officer, having the following documents ready can help speed up the process:

• Pay stubs
• Bank statements
• Employment history
• Previous tax returns

Download our My First Home Down Payment and Closing Cost Assistance Program Handbook  https://homesinsdcounty.com/myhome-home-purchase-assistance-program-payment-handbook-and-guide/

Combining CalHFA VA and USDA Programs

For those looking to maximize their home financing options, consider combining the CalHFA VA program with the CalHFA USDA loan program. This combination can offer additional benefits and flexibility for eligible borrowers, particularly in rural areas. The CalHFA USDA program provides a zero down payment option, which can be a significant advantage for homebuyers.

To understand how you can leverage both programs, check out our detailed video explanation. This video covers the eligibility criteria, application process, and benefits of using the CalHFA USDA loan alongside the CalHFA VA program.

Watch the video here to learn more about combining these powerful home financing options.

🏡

🏡 HomesinSDCounty: Your Trusted Real Estate Partner—Local Roots, Nationwide Reach

Brad & Karen Mattonen Coldwell Banker West
San Diego Riverside Orange County Desert Communities
📞 858-518-2875 🌐 www.homesinsdcounty.com
Top 5 Market Experts in San Diego
Ethical. Compassionate. Relentless. Results-Driven.

💼 What We Specialize In

🔹 Probate, Trust & Estate Sales
🔹 Pre-Foreclosure & Distressed Properties
🔹 First-Time Buyers, Luxury Estates, Residential & Commercial
🔹 Strategic Negotiation for Buyers & Seller

Why Work With Us?

✔️ We navigate your sale or purchase with precision—prioritizing legal compliance, safety, and protection
✔️ We help you spot risks and blind spots that others often miss
✔️ We advocate fiercely to optimize your outcome and safeguard your future
✔️ We don’t do fluff—we deliver results with integrity and strategy

💥 Explore Our Valuable FREE Real Estate Resources

✓ eBooks | ✓ Checklists | ✓ Buying & Selling Guides | ✓ Investor Tools
→ Visit our Resources Page to download now.

🔗 Follow Us Everywhere!

Get daily market updates, home tours, and no-nonsense real estate advice:

• 📺 YouTube: Subscribe for Weekly Updates
• 👤 Facebook: North County SD Home Sales
• 📸 Instagram: @sandiegocountyhomes
• 📌 Pinterest: San Diego Living & Real Estate
• 🎵 TikTok: @homesinsandiegocounty
• 🐦 X (Twitter): @SDHomesForSale
• 💼 LinkedIn: Brad Mattonen – Professional Insights

🛫 Relocating? Buying, selling, or relocating in San Diego, Riverside, Orange County—or anywhere in the U.S.? We’ve Got You Covered—Nationwide

We’re not just your local experts. and we don’t just work in Southern California—we’re backed by the powerhouse Coldwell Banker National Network and a handpicked team of personally vetted agents across the country. Whether you’re making a move across town or across the country, we ensure a smooth, strategic, and successful experience.

We’ll connect you with an agent we trust—not just someone in the directory.
📲 Message us today and let’s make that move happen.

HomesinSDCounty – Your Smart Move. Wherever Life Takes You.

🛠️ Selling Your Home? Ask Us About RealVitalize

If you need to make improvements, repairs, or updates before you sell—but don’t want to pay upfront costs—RealVitalize is your solution.

Coldwell Banker’s RealVitalize program provides:

• ✅ Professional repairs, updates, and home improvement services
• ✅ No upfront out-of-pocket costs, hidden fees, or interest charges
• ✅ Seller pays back only the amount used—at closing
• ✅ Services available before or during your home listing period
• ✅ Designed to highlight your home’s best features and maximize value

We’ll help you prep your home for sale with zero stress and maximum impact.
📲 Contact us today to learn how RealVitalize can work for you.

A Comprehensive Guide to VA and USDA Loan Combinations for Veteran Homebuyers

The CalHFA VA program offers a VA-insured loan with a fixed interest rate over 30 years, perfect for those seeking stability in their mortgage payments.

CalHFA VA Program

Discover everything you need to know about the CalHFA VA program in the sections below.

Program Eligibility

To see if you qualify for the CalHFA VA Program, review the Borrower and Property Requirements.

Borrower Requirements

• You must live in the property as your main residence; non-occupant co-borrowers are not allowed.
• Complete homebuyer education counseling and get a certificate of completion from an approved organization.
• Meet the income limits set by CalHFA for this program.
• Have a valid certificate of eligibility according to VA guidelines.
• If there are conflicting guidelines, the stricter one must be followed.

Property Requirements

• The property must be a single-family, one-unit residence, including approved condos and PUDs.
• Guest houses, granny units, and in-law quarters may qualify.
• Manufactured homes are not allowed.
• Condos must adhere to the guidelines of the first mortgage.
• If there are conflicting guidelines, the stricter one must be followed.

Interest Rate

Understanding Interest Rates

Interest rates can vary based on your financial situation, lender fees, and other factors. They can also change daily. For an accurate quote, consult a CalHFA-approved loan officer.

CalHFA doesn’t lend money directly. Instead, they work through approved lenders who qualify consumers and provide all mortgage loans. Fees may differ depending on the lender and the specific program. You can view sample Annual Percentage Rates (APRs) here.

Homebuyer Education

CalHFA places a high value on homebuyer education and counseling, believing it’s crucial for the success and satisfaction of homeowners. First-time homebuyers using a CalHFA program must complete this education.

Who Needs to Take the Course?

• Only one first-time homebuyer who will live in the home must take the course per loan transaction.

How to Complete the Course

• ONLINE: The only online course accepted by CalHFA is eHome’s eight-hour Homebuyer Education and Counseling course (fee: $99). Other online courses like Frameworks and HomeView are not acceptable because they don’t include a one-hour, one-on-one counseling follow-up session.
• IN-PERSON or VIRTUAL: Attend live Homebuyer Education and Counseling sessions through NeighborWorks America or any HUD-Approved Housing Counseling Agency (fees vary by agency).

How to Apply

Applying for the CalHFA VA Program

CalHFA’s mortgage products are offered through private loan officers who are approved and trained by CalHFA. These loan officers can provide detailed information about the programs and guide you through the home buying process.

To get started, visit the Find a Loan Officer tab and contact a loan officer in your area.

Documents to Have Ready

When contacting a loan officer, having the following documents ready can help speed up the process:

• Pay stubs
• Bank statements
• Employment history
• Previous tax returns

Download our My First Home Down Payment and Closing Cost Assistance Program Handbook  https://homesinsdcounty.com/myhome-home-purchase-assistance-program-payment-handbook-and-guide/

Combining CalHFA VA and USDA Programs

For those looking to maximize their home financing options, consider combining the CalHFA VA program with the CalHFA USDA loan program. This combination can offer additional benefits and flexibility for eligible borrowers, particularly in rural areas. The CalHFA USDA program provides a zero down payment option, which can be a significant advantage for homebuyers.

To understand how you can leverage both programs, check out our detailed video explanation. This video covers the eligibility criteria, application process, and benefits of using the CalHFA USDA loan alongside the CalHFA VA program.

Watch the video here to learn more about combining these powerful home financing options.

🏡

🏡 HomesinSDCounty: Your Trusted Real Estate Partner—Local Roots, Nationwide Reach

Brad & Karen Mattonen Coldwell Banker West
San Diego Riverside Orange County Desert Communities
📞 858-518-2875 🌐 www.homesinsdcounty.com
Top 5 Market Experts in San Diego
Ethical. Compassionate. Relentless. Results-Driven.

💼 What We Specialize In

🔹 Probate, Trust & Estate Sales
🔹 Pre-Foreclosure & Distressed Properties
🔹 First-Time Buyers, Luxury Estates, Residential & Commercial
🔹 Strategic Negotiation for Buyers & Seller

Why Work With Us?

✔️ We navigate your sale or purchase with precision—prioritizing legal compliance, safety, and protection
✔️ We help you spot risks and blind spots that others often miss
✔️ We advocate fiercely to optimize your outcome and safeguard your future
✔️ We don’t do fluff—we deliver results with integrity and strategy

💥 Explore Our Valuable FREE Real Estate Resources

✓ eBooks | ✓ Checklists | ✓ Buying & Selling Guides | ✓ Investor Tools
→ Visit our Resources Page to download now.

🔗 Follow Us Everywhere!

Get daily market updates, home tours, and no-nonsense real estate advice:

• 📺 YouTube: Subscribe for Weekly Updates
• 👤 Facebook: North County SD Home Sales
• 📸 Instagram: @sandiegocountyhomes
• 📌 Pinterest: San Diego Living & Real Estate
• 🎵 TikTok: @homesinsandiegocounty
• 🐦 X (Twitter): @SDHomesForSale
• 💼 LinkedIn: Brad Mattonen – Professional Insights

🛫 Relocating? Buying, selling, or relocating in San Diego, Riverside, Orange County—or anywhere in the U.S.? We’ve Got You Covered—Nationwide

We’re not just your local experts. and we don’t just work in Southern California—we’re backed by the powerhouse Coldwell Banker National Network and a handpicked team of personally vetted agents across the country. Whether you’re making a move across town or across the country, we ensure a smooth, strategic, and successful experience.

We’ll connect you with an agent we trust—not just someone in the directory.
📲 Message us today and let’s make that move happen.

HomesinSDCounty – Your Smart Move. Wherever Life Takes You.

🛠️ Selling Your Home? Ask Us About RealVitalize

If you need to make improvements, repairs, or updates before you sell—but don’t want to pay upfront costs—RealVitalize is your solution.

Coldwell Banker’s RealVitalize program provides:

• ✅ Professional repairs, updates, and home improvement services
• ✅ No upfront out-of-pocket costs, hidden fees, or interest charges
• ✅ Seller pays back only the amount used—at closing
• ✅ Services available before or during your home listing period
• ✅ Designed to highlight your home’s best features and maximize value

We’ll help you prep your home for sale with zero stress and maximum impact.
📲 Contact us today to learn how RealVitalize can work for you.

A Comprehensive Guide to VA and USDA Loan Combinations for Veteran Homebuyers

The CalHFA VA program offers a VA-insured loan with a fixed interest rate over 30 years, perfect for those seeking stability in their mortgage payments.

CalHFA VA Program

Discover everything you need to know about the CalHFA VA program in the sections below.

Program Eligibility

To see if you qualify for the CalHFA VA Program, review the Borrower and Property Requirements.

Borrower Requirements

• You must live in the property as your main residence; non-occupant co-borrowers are not allowed.
• Complete homebuyer education counseling and get a certificate of completion from an approved organization.
• Meet the income limits set by CalHFA for this program.
• Have a valid certificate of eligibility according to VA guidelines.
• If there are conflicting guidelines, the stricter one must be followed.

Property Requirements

• The property must be a single-family, one-unit residence, including approved condos and PUDs.
• Guest houses, granny units, and in-law quarters may qualify.
• Manufactured homes are not allowed.
• Condos must adhere to the guidelines of the first mortgage.
• If there are conflicting guidelines, the stricter one must be followed.

Interest Rate

Understanding Interest Rates

Interest rates can vary based on your financial situation, lender fees, and other factors. They can also change daily. For an accurate quote, consult a CalHFA-approved loan officer.

CalHFA doesn’t lend money directly. Instead, they work through approved lenders who qualify consumers and provide all mortgage loans. Fees may differ depending on the lender and the specific program. You can view sample Annual Percentage Rates (APRs) here.

Homebuyer Education

CalHFA places a high value on homebuyer education and counseling, believing it’s crucial for the success and satisfaction of homeowners. First-time homebuyers using a CalHFA program must complete this education.

Who Needs to Take the Course?

• Only one first-time homebuyer who will live in the home must take the course per loan transaction.

How to Complete the Course

• ONLINE: The only online course accepted by CalHFA is eHome’s eight-hour Homebuyer Education and Counseling course (fee: $99). Other online courses like Frameworks and HomeView are not acceptable because they don’t include a one-hour, one-on-one counseling follow-up session.
• IN-PERSON or VIRTUAL: Attend live Homebuyer Education and Counseling sessions through NeighborWorks America or any HUD-Approved Housing Counseling Agency (fees vary by agency).

How to Apply

Applying for the CalHFA VA Program

CalHFA’s mortgage products are offered through private loan officers who are approved and trained by CalHFA. These loan officers can provide detailed information about the programs and guide you through the home buying process.

To get started, visit the Find a Loan Officer tab and contact a loan officer in your area.

Documents to Have Ready

When contacting a loan officer, having the following documents ready can help speed up the process:

• Pay stubs
• Bank statements
• Employment history
• Previous tax returns

Download our My First Home Down Payment and Closing Cost Assistance Program Handbook  https://homesinsdcounty.com/myhome-home-purchase-assistance-program-payment-handbook-and-guide/

Combining CalHFA VA and USDA Programs

For those looking to maximize their home financing options, consider combining the CalHFA VA program with the CalHFA USDA loan program. This combination can offer additional benefits and flexibility for eligible borrowers, particularly in rural areas. The CalHFA USDA program provides a zero down payment option, which can be a significant advantage for homebuyers.

To understand how you can leverage both programs, check out our detailed video explanation. This video covers the eligibility criteria, application process, and benefits of using the CalHFA USDA loan alongside the CalHFA VA program.

Watch the video here to learn more about combining these powerful home financing options.

🏡

🏡 HomesinSDCounty: Your Trusted Real Estate Partner—Local Roots, Nationwide Reach

Brad & Karen Mattonen Coldwell Banker West
San Diego Riverside Orange County Desert Communities
📞 858-518-2875 🌐 www.homesinsdcounty.com
Top 5 Market Experts in San Diego
Ethical. Compassionate. Relentless. Results-Driven.

💼 What We Specialize In

🔹 Probate, Trust & Estate Sales
🔹 Pre-Foreclosure & Distressed Properties
🔹 First-Time Buyers, Luxury Estates, Residential & Commercial
🔹 Strategic Negotiation for Buyers & Seller

Why Work With Us?

✔️ We navigate your sale or purchase with precision—prioritizing legal compliance, safety, and protection
✔️ We help you spot risks and blind spots that others often miss
✔️ We advocate fiercely to optimize your outcome and safeguard your future
✔️ We don’t do fluff—we deliver results with integrity and strategy

💥 Explore Our Valuable FREE Real Estate Resources

✓ eBooks | ✓ Checklists | ✓ Buying & Selling Guides | ✓ Investor Tools
→ Visit our Resources Page to download now.

🔗 Follow Us Everywhere!

Get daily market updates, home tours, and no-nonsense real estate advice:

• 📺 YouTube: Subscribe for Weekly Updates
• 👤 Facebook: North County SD Home Sales
• 📸 Instagram: @sandiegocountyhomes
• 📌 Pinterest: San Diego Living & Real Estate
• 🎵 TikTok: @homesinsandiegocounty
• 🐦 X (Twitter): @SDHomesForSale
• 💼 LinkedIn: Brad Mattonen – Professional Insights

🛫 Relocating? Buying, selling, or relocating in San Diego, Riverside, Orange County—or anywhere in the U.S.? We’ve Got You Covered—Nationwide

We’re not just your local experts. and we don’t just work in Southern California—we’re backed by the powerhouse Coldwell Banker National Network and a handpicked team of personally vetted agents across the country. Whether you’re making a move across town or across the country, we ensure a smooth, strategic, and successful experience.

We’ll connect you with an agent we trust—not just someone in the directory.
📲 Message us today and let’s make that move happen.

HomesinSDCounty – Your Smart Move. Wherever Life Takes You.

🛠️ Selling Your Home? Ask Us About RealVitalize

If you need to make improvements, repairs, or updates before you sell—but don’t want to pay upfront costs—RealVitalize is your solution.

Coldwell Banker’s RealVitalize program provides:

• ✅ Professional repairs, updates, and home improvement services
• ✅ No upfront out-of-pocket costs, hidden fees, or interest charges
• ✅ Seller pays back only the amount used—at closing
• ✅ Services available before or during your home listing period
• ✅ Designed to highlight your home’s best features and maximize value

We’ll help you prep your home for sale with zero stress and maximum impact.
📲 Contact us today to learn how RealVitalize can work for you.

A Comprehensive Guide to VA and USDA Loan Combinations for Veteran Homebuyers

The CalHFA VA program offers a VA-insured loan with a fixed interest rate over 30 years, perfect for those seeking stability in their mortgage payments.

CalHFA VA Program

Discover everything you need to know about the CalHFA VA program in the sections below.

Program Eligibility

To see if you qualify for the CalHFA VA Program, review the Borrower and Property Requirements.

Borrower Requirements

• You must live in the property as your main residence; non-occupant co-borrowers are not allowed.
• Complete homebuyer education counseling and get a certificate of completion from an approved organization.
• Meet the income limits set by CalHFA for this program.
• Have a valid certificate of eligibility according to VA guidelines.
• If there are conflicting guidelines, the stricter one must be followed.

Property Requirements

• The property must be a single-family, one-unit residence, including approved condos and PUDs.
• Guest houses, granny units, and in-law quarters may qualify.
• Manufactured homes are not allowed.
• Condos must adhere to the guidelines of the first mortgage.
• If there are conflicting guidelines, the stricter one must be followed.

Interest Rate

Understanding Interest Rates

Interest rates can vary based on your financial situation, lender fees, and other factors. They can also change daily. For an accurate quote, consult a CalHFA-approved loan officer.

CalHFA doesn’t lend money directly. Instead, they work through approved lenders who qualify consumers and provide all mortgage loans. Fees may differ depending on the lender and the specific program. You can view sample Annual Percentage Rates (APRs) here.

Homebuyer Education

CalHFA places a high value on homebuyer education and counseling, believing it’s crucial for the success and satisfaction of homeowners. First-time homebuyers using a CalHFA program must complete this education.

Who Needs to Take the Course?

• Only one first-time homebuyer who will live in the home must take the course per loan transaction.

How to Complete the Course

• ONLINE: The only online course accepted by CalHFA is eHome’s eight-hour Homebuyer Education and Counseling course (fee: $99). Other online courses like Frameworks and HomeView are not acceptable because they don’t include a one-hour, one-on-one counseling follow-up session.
• IN-PERSON or VIRTUAL: Attend live Homebuyer Education and Counseling sessions through NeighborWorks America or any HUD-Approved Housing Counseling Agency (fees vary by agency).

How to Apply

Applying for the CalHFA VA Program

CalHFA’s mortgage products are offered through private loan officers who are approved and trained by CalHFA. These loan officers can provide detailed information about the programs and guide you through the home buying process.

To get started, visit the Find a Loan Officer tab and contact a loan officer in your area.

Documents to Have Ready

When contacting a loan officer, having the following documents ready can help speed up the process:

• Pay stubs
• Bank statements
• Employment history
• Previous tax returns

Download our My First Home Down Payment and Closing Cost Assistance Program Handbook  https://homesinsdcounty.com/myhome-home-purchase-assistance-program-payment-handbook-and-guide/

Combining CalHFA VA and USDA Programs

For those looking to maximize their home financing options, consider combining the CalHFA VA program with the CalHFA USDA loan program. This combination can offer additional benefits and flexibility for eligible borrowers, particularly in rural areas. The CalHFA USDA program provides a zero down payment option, which can be a significant advantage for homebuyers.

To understand how you can leverage both programs, check out our detailed video explanation. This video covers the eligibility criteria, application process, and benefits of using the CalHFA USDA loan alongside the CalHFA VA program.

Watch the video here to learn more about combining these powerful home financing options.

🏡

🏡 HomesinSDCounty: Your Trusted Real Estate Partner—Local Roots, Nationwide Reach

Brad & Karen Mattonen Coldwell Banker West
San Diego Riverside Orange County Desert Communities
📞 858-518-2875 🌐 www.homesinsdcounty.com
Top 5 Market Experts in San Diego
Ethical. Compassionate. Relentless. Results-Driven.

💼 What We Specialize In

🔹 Probate, Trust & Estate Sales
🔹 Pre-Foreclosure & Distressed Properties
🔹 First-Time Buyers, Luxury Estates, Residential & Commercial
🔹 Strategic Negotiation for Buyers & Seller

Why Work With Us?

✔️ We navigate your sale or purchase with precision—prioritizing legal compliance, safety, and protection
✔️ We help you spot risks and blind spots that others often miss
✔️ We advocate fiercely to optimize your outcome and safeguard your future
✔️ We don’t do fluff—we deliver results with integrity and strategy

💥 Explore Our Valuable FREE Real Estate Resources

✓ eBooks | ✓ Checklists | ✓ Buying & Selling Guides | ✓ Investor Tools
→ Visit our Resources Page to download now.

🔗 Follow Us Everywhere!

Get daily market updates, home tours, and no-nonsense real estate advice:

• 📺 YouTube: Subscribe for Weekly Updates
• 👤 Facebook: North County SD Home Sales
• 📸 Instagram: @sandiegocountyhomes
• 📌 Pinterest: San Diego Living & Real Estate
• 🎵 TikTok: @homesinsandiegocounty
• 🐦 X (Twitter): @SDHomesForSale
• 💼 LinkedIn: Brad Mattonen – Professional Insights

🛫 Relocating? Buying, selling, or relocating in San Diego, Riverside, Orange County—or anywhere in the U.S.? We’ve Got You Covered—Nationwide

We’re not just your local experts. and we don’t just work in Southern California—we’re backed by the powerhouse Coldwell Banker National Network and a handpicked team of personally vetted agents across the country. Whether you’re making a move across town or across the country, we ensure a smooth, strategic, and successful experience.

We’ll connect you with an agent we trust—not just someone in the directory.
📲 Message us today and let’s make that move happen.

HomesinSDCounty – Your Smart Move. Wherever Life Takes You.

🛠️ Selling Your Home? Ask Us About RealVitalize

If you need to make improvements, repairs, or updates before you sell—but don’t want to pay upfront costs—RealVitalize is your solution.

Coldwell Banker’s RealVitalize program provides:

• ✅ Professional repairs, updates, and home improvement services
• ✅ No upfront out-of-pocket costs, hidden fees, or interest charges
• ✅ Seller pays back only the amount used—at closing
• ✅ Services available before or during your home listing period
• ✅ Designed to highlight your home’s best features and maximize value

We’ll help you prep your home for sale with zero stress and maximum impact.
📲 Contact us today to learn how RealVitalize can work for you.

A Comprehensive Guide to VA and USDA Loan Combinations for Veteran Homebuyers

The CalHFA VA program offers a VA-insured loan with a fixed interest rate over 30 years, perfect for those seeking stability in their mortgage payments.

CalHFA VA Program

Discover everything you need to know about the CalHFA VA program in the sections below.

Program Eligibility

To see if you qualify for the CalHFA VA Program, review the Borrower and Property Requirements.

Borrower Requirements

• You must live in the property as your main residence; non-occupant co-borrowers are not allowed.
• Complete homebuyer education counseling and get a certificate of completion from an approved organization.
• Meet the income limits set by CalHFA for this program.
• Have a valid certificate of eligibility according to VA guidelines.
• If there are conflicting guidelines, the stricter one must be followed.

Property Requirements

• The property must be a single-family, one-unit residence, including approved condos and PUDs.
• Guest houses, granny units, and in-law quarters may qualify.
• Manufactured homes are not allowed.
• Condos must adhere to the guidelines of the first mortgage.
• If there are conflicting guidelines, the stricter one must be followed.

Interest Rate

Understanding Interest Rates

Interest rates can vary based on your financial situation, lender fees, and other factors. They can also change daily. For an accurate quote, consult a CalHFA-approved loan officer.

CalHFA doesn’t lend money directly. Instead, they work through approved lenders who qualify consumers and provide all mortgage loans. Fees may differ depending on the lender and the specific program. You can view sample Annual Percentage Rates (APRs) here.

Homebuyer Education

CalHFA places a high value on homebuyer education and counseling, believing it’s crucial for the success and satisfaction of homeowners. First-time homebuyers using a CalHFA program must complete this education.

Who Needs to Take the Course?

• Only one first-time homebuyer who will live in the home must take the course per loan transaction.

How to Complete the Course

• ONLINE: The only online course accepted by CalHFA is eHome’s eight-hour Homebuyer Education and Counseling course (fee: $99). Other online courses like Frameworks and HomeView are not acceptable because they don’t include a one-hour, one-on-one counseling follow-up session.
• IN-PERSON or VIRTUAL: Attend live Homebuyer Education and Counseling sessions through NeighborWorks America or any HUD-Approved Housing Counseling Agency (fees vary by agency).

How to Apply

Applying for the CalHFA VA Program

CalHFA’s mortgage products are offered through private loan officers who are approved and trained by CalHFA. These loan officers can provide detailed information about the programs and guide you through the home buying process.

To get started, visit the Find a Loan Officer tab and contact a loan officer in your area.

Documents to Have Ready

When contacting a loan officer, having the following documents ready can help speed up the process:

• Pay stubs
• Bank statements
• Employment history
• Previous tax returns

Download our My First Home Down Payment and Closing Cost Assistance Program Handbook  https://homesinsdcounty.com/myhome-home-purchase-assistance-program-payment-handbook-and-guide/

Combining CalHFA VA and USDA Programs

For those looking to maximize their home financing options, consider combining the CalHFA VA program with the CalHFA USDA loan program. This combination can offer additional benefits and flexibility for eligible borrowers, particularly in rural areas. The CalHFA USDA program provides a zero down payment option, which can be a significant advantage for homebuyers.

To understand how you can leverage both programs, check out our detailed video explanation. This video covers the eligibility criteria, application process, and benefits of using the CalHFA USDA loan alongside the CalHFA VA program.

Watch the video here to learn more about combining these powerful home financing options.

🏡

🏡 HomesinSDCounty: Your Trusted Real Estate Partner—Local Roots, Nationwide Reach

Brad & Karen Mattonen Coldwell Banker West
San Diego Riverside Orange County Desert Communities
📞 858-518-2875 🌐 www.homesinsdcounty.com
Top 5 Market Experts in San Diego
Ethical. Compassionate. Relentless. Results-Driven.

💼 What We Specialize In

🔹 Probate, Trust & Estate Sales
🔹 Pre-Foreclosure & Distressed Properties
🔹 First-Time Buyers, Luxury Estates, Residential & Commercial
🔹 Strategic Negotiation for Buyers & Seller

Why Work With Us?

✔️ We navigate your sale or purchase with precision—prioritizing legal compliance, safety, and protection
✔️ We help you spot risks and blind spots that others often miss
✔️ We advocate fiercely to optimize your outcome and safeguard your future
✔️ We don’t do fluff—we deliver results with integrity and strategy

💥 Explore Our Valuable FREE Real Estate Resources

✓ eBooks | ✓ Checklists | ✓ Buying & Selling Guides | ✓ Investor Tools
→ Visit our Resources Page to download now.

🔗 Follow Us Everywhere!

Get daily market updates, home tours, and no-nonsense real estate advice:

• 📺 YouTube: Subscribe for Weekly Updates
• 👤 Facebook: North County SD Home Sales
• 📸 Instagram: @sandiegocountyhomes
• 📌 Pinterest: San Diego Living & Real Estate
• 🎵 TikTok: @homesinsandiegocounty
• 🐦 X (Twitter): @SDHomesForSale
• 💼 LinkedIn: Brad Mattonen – Professional Insights

🛫 Relocating? Buying, selling, or relocating in San Diego, Riverside, Orange County—or anywhere in the U.S.? We’ve Got You Covered—Nationwide

We’re not just your local experts. and we don’t just work in Southern California—we’re backed by the powerhouse Coldwell Banker National Network and a handpicked team of personally vetted agents across the country. Whether you’re making a move across town or across the country, we ensure a smooth, strategic, and successful experience.

We’ll connect you with an agent we trust—not just someone in the directory.
📲 Message us today and let’s make that move happen.

HomesinSDCounty – Your Smart Move. Wherever Life Takes You.

🛠️ Selling Your Home? Ask Us About RealVitalize

If you need to make improvements, repairs, or updates before you sell—but don’t want to pay upfront costs—RealVitalize is your solution.

Coldwell Banker’s RealVitalize program provides:

• ✅ Professional repairs, updates, and home improvement services
• ✅ No upfront out-of-pocket costs, hidden fees, or interest charges
• ✅ Seller pays back only the amount used—at closing
• ✅ Services available before or during your home listing period
• ✅ Designed to highlight your home’s best features and maximize value

We’ll help you prep your home for sale with zero stress and maximum impact.
📲 Contact us today to learn how RealVitalize can work for you.

A Comprehensive Guide to VA and USDA Loan Combinations for Veteran Homebuyers

The CalHFA VA program offers a VA-insured loan with a fixed interest rate over 30 years, perfect for those seeking stability in their mortgage payments.

CalHFA VA Program

Discover everything you need to know about the CalHFA VA program in the sections below.

Program Eligibility

To see if you qualify for the CalHFA VA Program, review the Borrower and Property Requirements.

Borrower Requirements

• You must live in the property as your main residence; non-occupant co-borrowers are not allowed.
• Complete homebuyer education counseling and get a certificate of completion from an approved organization.
• Meet the income limits set by CalHFA for this program.
• Have a valid certificate of eligibility according to VA guidelines.
• If there are conflicting guidelines, the stricter one must be followed.

Property Requirements

• The property must be a single-family, one-unit residence, including approved condos and PUDs.
• Guest houses, granny units, and in-law quarters may qualify.
• Manufactured homes are not allowed.
• Condos must adhere to the guidelines of the first mortgage.
• If there are conflicting guidelines, the stricter one must be followed.

Interest Rate

Understanding Interest Rates

Interest rates can vary based on your financial situation, lender fees, and other factors. They can also change daily. For an accurate quote, consult a CalHFA-approved loan officer.

CalHFA doesn’t lend money directly. Instead, they work through approved lenders who qualify consumers and provide all mortgage loans. Fees may differ depending on the lender and the specific program. You can view sample Annual Percentage Rates (APRs) here.

Homebuyer Education

CalHFA places a high value on homebuyer education and counseling, believing it’s crucial for the success and satisfaction of homeowners. First-time homebuyers using a CalHFA program must complete this education.

Who Needs to Take the Course?

• Only one first-time homebuyer who will live in the home must take the course per loan transaction.

How to Complete the Course

• ONLINE: The only online course accepted by CalHFA is eHome’s eight-hour Homebuyer Education and Counseling course (fee: $99). Other online courses like Frameworks and HomeView are not acceptable because they don’t include a one-hour, one-on-one counseling follow-up session.
• IN-PERSON or VIRTUAL: Attend live Homebuyer Education and Counseling sessions through NeighborWorks America or any HUD-Approved Housing Counseling Agency (fees vary by agency).

How to Apply

Applying for the CalHFA VA Program

CalHFA’s mortgage products are offered through private loan officers who are approved and trained by CalHFA. These loan officers can provide detailed information about the programs and guide you through the home buying process.

To get started, visit the Find a Loan Officer tab and contact a loan officer in your area.

Documents to Have Ready

When contacting a loan officer, having the following documents ready can help speed up the process:

• Pay stubs
• Bank statements
• Employment history
• Previous tax returns

Download our My First Home Down Payment and Closing Cost Assistance Program Handbook  https://homesinsdcounty.com/myhome-home-purchase-assistance-program-payment-handbook-and-guide/

Combining CalHFA VA and USDA Programs

For those looking to maximize their home financing options, consider combining the CalHFA VA program with the CalHFA USDA loan program. This combination can offer additional benefits and flexibility for eligible borrowers, particularly in rural areas. The CalHFA USDA program provides a zero down payment option, which can be a significant advantage for homebuyers.

To understand how you can leverage both programs, check out our detailed video explanation. This video covers the eligibility criteria, application process, and benefits of using the CalHFA USDA loan alongside the CalHFA VA program.

Watch the video here to learn more about combining these powerful home financing options.

🏡

🏡 HomesinSDCounty: Your Trusted Real Estate Partner—Local Roots, Nationwide Reach

Brad & Karen Mattonen Coldwell Banker West
San Diego Riverside Orange County Desert Communities
📞 858-518-2875 🌐 www.homesinsdcounty.com
Top 5 Market Experts in San Diego
Ethical. Compassionate. Relentless. Results-Driven.

💼 What We Specialize In

🔹 Probate, Trust & Estate Sales
🔹 Pre-Foreclosure & Distressed Properties
🔹 First-Time Buyers, Luxury Estates, Residential & Commercial
🔹 Strategic Negotiation for Buyers & Seller

Why Work With Us?

✔️ We navigate your sale or purchase with precision—prioritizing legal compliance, safety, and protection
✔️ We help you spot risks and blind spots that others often miss
✔️ We advocate fiercely to optimize your outcome and safeguard your future
✔️ We don’t do fluff—we deliver results with integrity and strategy

💥 Explore Our Valuable FREE Real Estate Resources

✓ eBooks | ✓ Checklists | ✓ Buying & Selling Guides | ✓ Investor Tools
→ Visit our Resources Page to download now.

🔗 Follow Us Everywhere!

Get daily market updates, home tours, and no-nonsense real estate advice:

• 📺 YouTube: Subscribe for Weekly Updates
• 👤 Facebook: North County SD Home Sales
• 📸 Instagram: @sandiegocountyhomes
• 📌 Pinterest: San Diego Living & Real Estate
• 🎵 TikTok: @homesinsandiegocounty
• 🐦 X (Twitter): @SDHomesForSale
• 💼 LinkedIn: Brad Mattonen – Professional Insights

🛫 Relocating? Buying, selling, or relocating in San Diego, Riverside, Orange County—or anywhere in the U.S.? We’ve Got You Covered—Nationwide

We’re not just your local experts. and we don’t just work in Southern California—we’re backed by the powerhouse Coldwell Banker National Network and a handpicked team of personally vetted agents across the country. Whether you’re making a move across town or across the country, we ensure a smooth, strategic, and successful experience.

We’ll connect you with an agent we trust—not just someone in the directory.
📲 Message us today and let’s make that move happen.

HomesinSDCounty – Your Smart Move. Wherever Life Takes You.

🛠️ Selling Your Home? Ask Us About RealVitalize

If you need to make improvements, repairs, or updates before you sell—but don’t want to pay upfront costs—RealVitalize is your solution.

Coldwell Banker’s RealVitalize program provides:

• ✅ Professional repairs, updates, and home improvement services
• ✅ No upfront out-of-pocket costs, hidden fees, or interest charges
• ✅ Seller pays back only the amount used—at closing
• ✅ Services available before or during your home listing period
• ✅ Designed to highlight your home’s best features and maximize value

We’ll help you prep your home for sale with zero stress and maximum impact.
📲 Contact us today to learn how RealVitalize can work for you.

A Comprehensive Guide to VA and USDA Loan Combinations for Veteran Homebuyers

The CalHFA VA program offers a VA-insured loan with a fixed interest rate over 30 years, perfect for those seeking stability in their mortgage payments.

CalHFA VA Program

Discover everything you need to know about the CalHFA VA program in the sections below.

Program Eligibility

To see if you qualify for the CalHFA VA Program, review the Borrower and Property Requirements.

Borrower Requirements

• You must live in the property as your main residence; non-occupant co-borrowers are not allowed.
• Complete homebuyer education counseling and get a certificate of completion from an approved organization.
• Meet the income limits set by CalHFA for this program.
• Have a valid certificate of eligibility according to VA guidelines.
• If there are conflicting guidelines, the stricter one must be followed.

Property Requirements

• The property must be a single-family, one-unit residence, including approved condos and PUDs.
• Guest houses, granny units, and in-law quarters may qualify.
• Manufactured homes are not allowed.
• Condos must adhere to the guidelines of the first mortgage.
• If there are conflicting guidelines, the stricter one must be followed.

Interest Rate

Understanding Interest Rates

Interest rates can vary based on your financial situation, lender fees, and other factors. They can also change daily. For an accurate quote, consult a CalHFA-approved loan officer.

CalHFA doesn’t lend money directly. Instead, they work through approved lenders who qualify consumers and provide all mortgage loans. Fees may differ depending on the lender and the specific program. You can view sample Annual Percentage Rates (APRs) here.

Homebuyer Education

CalHFA places a high value on homebuyer education and counseling, believing it’s crucial for the success and satisfaction of homeowners. First-time homebuyers using a CalHFA program must complete this education.

Who Needs to Take the Course?

• Only one first-time homebuyer who will live in the home must take the course per loan transaction.

How to Complete the Course

• ONLINE: The only online course accepted by CalHFA is eHome’s eight-hour Homebuyer Education and Counseling course (fee: $99). Other online courses like Frameworks and HomeView are not acceptable because they don’t include a one-hour, one-on-one counseling follow-up session.
• IN-PERSON or VIRTUAL: Attend live Homebuyer Education and Counseling sessions through NeighborWorks America or any HUD-Approved Housing Counseling Agency (fees vary by agency).

How to Apply

Applying for the CalHFA VA Program

CalHFA’s mortgage products are offered through private loan officers who are approved and trained by CalHFA. These loan officers can provide detailed information about the programs and guide you through the home buying process.

To get started, visit the Find a Loan Officer tab and contact a loan officer in your area.

Documents to Have Ready

When contacting a loan officer, having the following documents ready can help speed up the process:

• Pay stubs
• Bank statements
• Employment history
• Previous tax returns

Download our My First Home Down Payment and Closing Cost Assistance Program Handbook  https://homesinsdcounty.com/myhome-home-purchase-assistance-program-payment-handbook-and-guide/

Combining CalHFA VA and USDA Programs

For those looking to maximize their home financing options, consider combining the CalHFA VA program with the CalHFA USDA loan program. This combination can offer additional benefits and flexibility for eligible borrowers, particularly in rural areas. The CalHFA USDA program provides a zero down payment option, which can be a significant advantage for homebuyers.

To understand how you can leverage both programs, check out our detailed video explanation. This video covers the eligibility criteria, application process, and benefits of using the CalHFA USDA loan alongside the CalHFA VA program.

Watch the video here to learn more about combining these powerful home financing options.

🏡

🏡 HomesinSDCounty: Your Trusted Real Estate Partner—Local Roots, Nationwide Reach

Brad & Karen Mattonen Coldwell Banker West
San Diego Riverside Orange County Desert Communities
📞 858-518-2875 🌐 www.homesinsdcounty.com
Top 5 Market Experts in San Diego
Ethical. Compassionate. Relentless. Results-Driven.

💼 What We Specialize In

🔹 Probate, Trust & Estate Sales
🔹 Pre-Foreclosure & Distressed Properties
🔹 First-Time Buyers, Luxury Estates, Residential & Commercial
🔹 Strategic Negotiation for Buyers & Seller

Why Work With Us?

✔️ We navigate your sale or purchase with precision—prioritizing legal compliance, safety, and protection
✔️ We help you spot risks and blind spots that others often miss
✔️ We advocate fiercely to optimize your outcome and safeguard your future
✔️ We don’t do fluff—we deliver results with integrity and strategy

💥 Explore Our Valuable FREE Real Estate Resources

✓ eBooks | ✓ Checklists | ✓ Buying & Selling Guides | ✓ Investor Tools
→ Visit our Resources Page to download now.

🔗 Follow Us Everywhere!

Get daily market updates, home tours, and no-nonsense real estate advice:

• 📺 YouTube: Subscribe for Weekly Updates
• 👤 Facebook: North County SD Home Sales
• 📸 Instagram: @sandiegocountyhomes
• 📌 Pinterest: San Diego Living & Real Estate
• 🎵 TikTok: @homesinsandiegocounty
• 🐦 X (Twitter): @SDHomesForSale
• 💼 LinkedIn: Brad Mattonen – Professional Insights

🛫 Relocating? Buying, selling, or relocating in San Diego, Riverside, Orange County—or anywhere in the U.S.? We’ve Got You Covered—Nationwide

We’re not just your local experts. and we don’t just work in Southern California—we’re backed by the powerhouse Coldwell Banker National Network and a handpicked team of personally vetted agents across the country. Whether you’re making a move across town or across the country, we ensure a smooth, strategic, and successful experience.

We’ll connect you with an agent we trust—not just someone in the directory.
📲 Message us today and let’s make that move happen.

HomesinSDCounty – Your Smart Move. Wherever Life Takes You.

🛠️ Selling Your Home? Ask Us About RealVitalize

If you need to make improvements, repairs, or updates before you sell—but don’t want to pay upfront costs—RealVitalize is your solution.

Coldwell Banker’s RealVitalize program provides:

• ✅ Professional repairs, updates, and home improvement services
• ✅ No upfront out-of-pocket costs, hidden fees, or interest charges
• ✅ Seller pays back only the amount used—at closing
• ✅ Services available before or during your home listing period
• ✅ Designed to highlight your home’s best features and maximize value

We’ll help you prep your home for sale with zero stress and maximum impact.
📲 Contact us today to learn how RealVitalize can work for you.

A Comprehensive Guide to VA and USDA Loan Combinations for Veteran Homebuyers

The CalHFA VA program offers a VA-insured loan with a fixed interest rate over 30 years, perfect for those seeking stability in their mortgage payments.

CalHFA VA Program

Discover everything you need to know about the CalHFA VA program in the sections below.

Program Eligibility

To see if you qualify for the CalHFA VA Program, review the Borrower and Property Requirements.

Borrower Requirements

• You must live in the property as your main residence; non-occupant co-borrowers are not allowed.
• Complete homebuyer education counseling and get a certificate of completion from an approved organization.
• Meet the income limits set by CalHFA for this program.
• Have a valid certificate of eligibility according to VA guidelines.
• If there are conflicting guidelines, the stricter one must be followed.

Property Requirements

• The property must be a single-family, one-unit residence, including approved condos and PUDs.
• Guest houses, granny units, and in-law quarters may qualify.
• Manufactured homes are not allowed.
• Condos must adhere to the guidelines of the first mortgage.
• If there are conflicting guidelines, the stricter one must be followed.

Interest Rate

Understanding Interest Rates

Interest rates can vary based on your financial situation, lender fees, and other factors. They can also change daily. For an accurate quote, consult a CalHFA-approved loan officer.

CalHFA doesn’t lend money directly. Instead, they work through approved lenders who qualify consumers and provide all mortgage loans. Fees may differ depending on the lender and the specific program. You can view sample Annual Percentage Rates (APRs) here.

Homebuyer Education

CalHFA places a high value on homebuyer education and counseling, believing it’s crucial for the success and satisfaction of homeowners. First-time homebuyers using a CalHFA program must complete this education.

Who Needs to Take the Course?

• Only one first-time homebuyer who will live in the home must take the course per loan transaction.

How to Complete the Course

• ONLINE: The only online course accepted by CalHFA is eHome’s eight-hour Homebuyer Education and Counseling course (fee: $99). Other online courses like Frameworks and HomeView are not acceptable because they don’t include a one-hour, one-on-one counseling follow-up session.
• IN-PERSON or VIRTUAL: Attend live Homebuyer Education and Counseling sessions through NeighborWorks America or any HUD-Approved Housing Counseling Agency (fees vary by agency).

How to Apply

Applying for the CalHFA VA Program

CalHFA’s mortgage products are offered through private loan officers who are approved and trained by CalHFA. These loan officers can provide detailed information about the programs and guide you through the home buying process.

To get started, visit the Find a Loan Officer tab and contact a loan officer in your area.

Documents to Have Ready

When contacting a loan officer, having the following documents ready can help speed up the process:

• Pay stubs
• Bank statements
• Employment history
• Previous tax returns

Download our My First Home Down Payment and Closing Cost Assistance Program Handbook  https://homesinsdcounty.com/myhome-home-purchase-assistance-program-payment-handbook-and-guide/

Combining CalHFA VA and USDA Programs

For those looking to maximize their home financing options, consider combining the CalHFA VA program with the CalHFA USDA loan program. This combination can offer additional benefits and flexibility for eligible borrowers, particularly in rural areas. The CalHFA USDA program provides a zero down payment option, which can be a significant advantage for homebuyers.

To understand how you can leverage both programs, check out our detailed video explanation. This video covers the eligibility criteria, application process, and benefits of using the CalHFA USDA loan alongside the CalHFA VA program.

Watch the video here to learn more about combining these powerful home financing options.

🏡

🏡 HomesinSDCounty: Your Trusted Real Estate Partner—Local Roots, Nationwide Reach

Brad & Karen Mattonen Coldwell Banker West
San Diego Riverside Orange County Desert Communities
📞 858-518-2875 🌐 www.homesinsdcounty.com
Top 5 Market Experts in San Diego
Ethical. Compassionate. Relentless. Results-Driven.

💼 What We Specialize In

🔹 Probate, Trust & Estate Sales
🔹 Pre-Foreclosure & Distressed Properties
🔹 First-Time Buyers, Luxury Estates, Residential & Commercial
🔹 Strategic Negotiation for Buyers & Seller

Why Work With Us?

✔️ We navigate your sale or purchase with precision—prioritizing legal compliance, safety, and protection
✔️ We help you spot risks and blind spots that others often miss
✔️ We advocate fiercely to optimize your outcome and safeguard your future
✔️ We don’t do fluff—we deliver results with integrity and strategy

💥 Explore Our Valuable FREE Real Estate Resources

✓ eBooks | ✓ Checklists | ✓ Buying & Selling Guides | ✓ Investor Tools
→ Visit our Resources Page to download now.

🔗 Follow Us Everywhere!

Get daily market updates, home tours, and no-nonsense real estate advice:

• 📺 YouTube: Subscribe for Weekly Updates
• 👤 Facebook: North County SD Home Sales
• 📸 Instagram: @sandiegocountyhomes
• 📌 Pinterest: San Diego Living & Real Estate
• 🎵 TikTok: @homesinsandiegocounty
• 🐦 X (Twitter): @SDHomesForSale
• 💼 LinkedIn: Brad Mattonen – Professional Insights

🛫 Relocating? Buying, selling, or relocating in San Diego, Riverside, Orange County—or anywhere in the U.S.? We’ve Got You Covered—Nationwide

We’re not just your local experts. and we don’t just work in Southern California—we’re backed by the powerhouse Coldwell Banker National Network and a handpicked team of personally vetted agents across the country. Whether you’re making a move across town or across the country, we ensure a smooth, strategic, and successful experience.

We’ll connect you with an agent we trust—not just someone in the directory.
📲 Message us today and let’s make that move happen.

HomesinSDCounty – Your Smart Move. Wherever Life Takes You.

🛠️ Selling Your Home? Ask Us About RealVitalize

If you need to make improvements, repairs, or updates before you sell—but don’t want to pay upfront costs—RealVitalize is your solution.

Coldwell Banker’s RealVitalize program provides:

• ✅ Professional repairs, updates, and home improvement services
• ✅ No upfront out-of-pocket costs, hidden fees, or interest charges
• ✅ Seller pays back only the amount used—at closing
• ✅ Services available before or during your home listing period
• ✅ Designed to highlight your home’s best features and maximize value

We’ll help you prep your home for sale with zero stress and maximum impact.
📲 Contact us today to learn how RealVitalize can work for you.

A Comprehensive Guide to VA and USDA Loan Combinations for Veteran Homebuyers

The CalHFA VA program offers a VA-insured loan with a fixed interest rate over 30 years, perfect for those seeking stability in their mortgage payments.

CalHFA VA Program

Discover everything you need to know about the CalHFA VA program in the sections below.

Program Eligibility

To see if you qualify for the CalHFA VA Program, review the Borrower and Property Requirements.

Borrower Requirements

• You must live in the property as your main residence; non-occupant co-borrowers are not allowed.
• Complete homebuyer education counseling and get a certificate of completion from an approved organization.
• Meet the income limits set by CalHFA for this program.
• Have a valid certificate of eligibility according to VA guidelines.
• If there are conflicting guidelines, the stricter one must be followed.

Property Requirements

• The property must be a single-family, one-unit residence, including approved condos and PUDs.
• Guest houses, granny units, and in-law quarters may qualify.
• Manufactured homes are not allowed.
• Condos must adhere to the guidelines of the first mortgage.
• If there are conflicting guidelines, the stricter one must be followed.

Interest Rate

Understanding Interest Rates

Interest rates can vary based on your financial situation, lender fees, and other factors. They can also change daily. For an accurate quote, consult a CalHFA-approved loan officer.

CalHFA doesn’t lend money directly. Instead, they work through approved lenders who qualify consumers and provide all mortgage loans. Fees may differ depending on the lender and the specific program. You can view sample Annual Percentage Rates (APRs) here.

Homebuyer Education

CalHFA places a high value on homebuyer education and counseling, believing it’s crucial for the success and satisfaction of homeowners. First-time homebuyers using a CalHFA program must complete this education.

Who Needs to Take the Course?

• Only one first-time homebuyer who will live in the home must take the course per loan transaction.

How to Complete the Course

• ONLINE: The only online course accepted by CalHFA is eHome’s eight-hour Homebuyer Education and Counseling course (fee: $99). Other online courses like Frameworks and HomeView are not acceptable because they don’t include a one-hour, one-on-one counseling follow-up session.
• IN-PERSON or VIRTUAL: Attend live Homebuyer Education and Counseling sessions through NeighborWorks America or any HUD-Approved Housing Counseling Agency (fees vary by agency).

How to Apply

Applying for the CalHFA VA Program

CalHFA’s mortgage products are offered through private loan officers who are approved and trained by CalHFA. These loan officers can provide detailed information about the programs and guide you through the home buying process.

To get started, visit the Find a Loan Officer tab and contact a loan officer in your area.

Documents to Have Ready

When contacting a loan officer, having the following documents ready can help speed up the process:

• Pay stubs
• Bank statements
• Employment history
• Previous tax returns

Download our My First Home Down Payment and Closing Cost Assistance Program Handbook  https://homesinsdcounty.com/myhome-home-purchase-assistance-program-payment-handbook-and-guide/

Combining CalHFA VA and USDA Programs

For those looking to maximize their home financing options, consider combining the CalHFA VA program with the CalHFA USDA loan program. This combination can offer additional benefits and flexibility for eligible borrowers, particularly in rural areas. The CalHFA USDA program provides a zero down payment option, which can be a significant advantage for homebuyers.

To understand how you can leverage both programs, check out our detailed video explanation. This video covers the eligibility criteria, application process, and benefits of using the CalHFA USDA loan alongside the CalHFA VA program.

Watch the video here to learn more about combining these powerful home financing options.

🏡

🏡 HomesinSDCounty: Your Trusted Real Estate Partner—Local Roots, Nationwide Reach

Brad & Karen Mattonen Coldwell Banker West
San Diego Riverside Orange County Desert Communities
📞 858-518-2875 🌐 www.homesinsdcounty.com
Top 5 Market Experts in San Diego
Ethical. Compassionate. Relentless. Results-Driven.

💼 What We Specialize In

🔹 Probate, Trust & Estate Sales
🔹 Pre-Foreclosure & Distressed Properties
🔹 First-Time Buyers, Luxury Estates, Residential & Commercial
🔹 Strategic Negotiation for Buyers & Seller

Why Work With Us?

✔️ We navigate your sale or purchase with precision—prioritizing legal compliance, safety, and protection
✔️ We help you spot risks and blind spots that others often miss
✔️ We advocate fiercely to optimize your outcome and safeguard your future
✔️ We don’t do fluff—we deliver results with integrity and strategy

💥 Explore Our Valuable FREE Real Estate Resources

✓ eBooks | ✓ Checklists | ✓ Buying & Selling Guides | ✓ Investor Tools
→ Visit our Resources Page to download now.

🔗 Follow Us Everywhere!

Get daily market updates, home tours, and no-nonsense real estate advice:

• 📺 YouTube: Subscribe for Weekly Updates
• 👤 Facebook: North County SD Home Sales
• 📸 Instagram: @sandiegocountyhomes
• 📌 Pinterest: San Diego Living & Real Estate
• 🎵 TikTok: @homesinsandiegocounty
• 🐦 X (Twitter): @SDHomesForSale
• 💼 LinkedIn: Brad Mattonen – Professional Insights

🛫 Relocating? Buying, selling, or relocating in San Diego, Riverside, Orange County—or anywhere in the U.S.? We’ve Got You Covered—Nationwide

We’re not just your local experts. and we don’t just work in Southern California—we’re backed by the powerhouse Coldwell Banker National Network and a handpicked team of personally vetted agents across the country. Whether you’re making a move across town or across the country, we ensure a smooth, strategic, and successful experience.

We’ll connect you with an agent we trust—not just someone in the directory.
📲 Message us today and let’s make that move happen.

HomesinSDCounty – Your Smart Move. Wherever Life Takes You.

🛠️ Selling Your Home? Ask Us About RealVitalize

If you need to make improvements, repairs, or updates before you sell—but don’t want to pay upfront costs—RealVitalize is your solution.

Coldwell Banker’s RealVitalize program provides:

• ✅ Professional repairs, updates, and home improvement services
• ✅ No upfront out-of-pocket costs, hidden fees, or interest charges
• ✅ Seller pays back only the amount used—at closing
• ✅ Services available before or during your home listing period
• ✅ Designed to highlight your home’s best features and maximize value

We’ll help you prep your home for sale with zero stress and maximum impact.
📲 Contact us today to learn how RealVitalize can work for you.

A Comprehensive Guide to VA and USDA Loan Combinations for Veteran Homebuyers

The CalHFA VA program offers a VA-insured loan with a fixed interest rate over 30 years, perfect for those seeking stability in their mortgage payments.

CalHFA VA Program

Discover everything you need to know about the CalHFA VA program in the sections below.

Program Eligibility

To see if you qualify for the CalHFA VA Program, review the Borrower and Property Requirements.

Borrower Requirements

• You must live in the property as your main residence; non-occupant co-borrowers are not allowed.
• Complete homebuyer education counseling and get a certificate of completion from an approved organization.
• Meet the income limits set by CalHFA for this program.
• Have a valid certificate of eligibility according to VA guidelines.
• If there are conflicting guidelines, the stricter one must be followed.

Property Requirements

• The property must be a single-family, one-unit residence, including approved condos and PUDs.
• Guest houses, granny units, and in-law quarters may qualify.
• Manufactured homes are not allowed.
• Condos must adhere to the guidelines of the first mortgage.
• If there are conflicting guidelines, the stricter one must be followed.

Interest Rate

Understanding Interest Rates

Interest rates can vary based on your financial situation, lender fees, and other factors. They can also change daily. For an accurate quote, consult a CalHFA-approved loan officer.

CalHFA doesn’t lend money directly. Instead, they work through approved lenders who qualify consumers and provide all mortgage loans. Fees may differ depending on the lender and the specific program. You can view sample Annual Percentage Rates (APRs) here.

Homebuyer Education

CalHFA places a high value on homebuyer education and counseling, believing it’s crucial for the success and satisfaction of homeowners. First-time homebuyers using a CalHFA program must complete this education.

Who Needs to Take the Course?

• Only one first-time homebuyer who will live in the home must take the course per loan transaction.

How to Complete the Course

• ONLINE: The only online course accepted by CalHFA is eHome’s eight-hour Homebuyer Education and Counseling course (fee: $99). Other online courses like Frameworks and HomeView are not acceptable because they don’t include a one-hour, one-on-one counseling follow-up session.
• IN-PERSON or VIRTUAL: Attend live Homebuyer Education and Counseling sessions through NeighborWorks America or any HUD-Approved Housing Counseling Agency (fees vary by agency).

How to Apply

Applying for the CalHFA VA Program

CalHFA’s mortgage products are offered through private loan officers who are approved and trained by CalHFA. These loan officers can provide detailed information about the programs and guide you through the home buying process.

To get started, visit the Find a Loan Officer tab and contact a loan officer in your area.

Documents to Have Ready

When contacting a loan officer, having the following documents ready can help speed up the process:

• Pay stubs
• Bank statements
• Employment history
• Previous tax returns

Download our My First Home Down Payment and Closing Cost Assistance Program Handbook  https://homesinsdcounty.com/myhome-home-purchase-assistance-program-payment-handbook-and-guide/

Combining CalHFA VA and USDA Programs

For those looking to maximize their home financing options, consider combining the CalHFA VA program with the CalHFA USDA loan program. This combination can offer additional benefits and flexibility for eligible borrowers, particularly in rural areas. The CalHFA USDA program provides a zero down payment option, which can be a significant advantage for homebuyers.

To understand how you can leverage both programs, check out our detailed video explanation. This video covers the eligibility criteria, application process, and benefits of using the CalHFA USDA loan alongside the CalHFA VA program.

Watch the video here to learn more about combining these powerful home financing options.

🏡

🏡 HomesinSDCounty: Your Trusted Real Estate Partner—Local Roots, Nationwide Reach

Brad & Karen Mattonen Coldwell Banker West
San Diego Riverside Orange County Desert Communities
📞 858-518-2875 🌐 www.homesinsdcounty.com
Top 5 Market Experts in San Diego
Ethical. Compassionate. Relentless. Results-Driven.

💼 What We Specialize In

🔹 Probate, Trust & Estate Sales
🔹 Pre-Foreclosure & Distressed Properties
🔹 First-Time Buyers, Luxury Estates, Residential & Commercial
🔹 Strategic Negotiation for Buyers & Seller

Why Work With Us?

✔️ We navigate your sale or purchase with precision—prioritizing legal compliance, safety, and protection
✔️ We help you spot risks and blind spots that others often miss
✔️ We advocate fiercely to optimize your outcome and safeguard your future
✔️ We don’t do fluff—we deliver results with integrity and strategy

💥 Explore Our Valuable FREE Real Estate Resources

✓ eBooks | ✓ Checklists | ✓ Buying & Selling Guides | ✓ Investor Tools
→ Visit our Resources Page to download now.

🔗 Follow Us Everywhere!

Get daily market updates, home tours, and no-nonsense real estate advice:

• 📺 YouTube: Subscribe for Weekly Updates
• 👤 Facebook: North County SD Home Sales
• 📸 Instagram: @sandiegocountyhomes
• 📌 Pinterest: San Diego Living & Real Estate
• 🎵 TikTok: @homesinsandiegocounty
• 🐦 X (Twitter): @SDHomesForSale
• 💼 LinkedIn: Brad Mattonen – Professional Insights

🛫 Relocating? Buying, selling, or relocating in San Diego, Riverside, Orange County—or anywhere in the U.S.? We’ve Got You Covered—Nationwide

We’re not just your local experts. and we don’t just work in Southern California—we’re backed by the powerhouse Coldwell Banker National Network and a handpicked team of personally vetted agents across the country. Whether you’re making a move across town or across the country, we ensure a smooth, strategic, and successful experience.

We’ll connect you with an agent we trust—not just someone in the directory.
📲 Message us today and let’s make that move happen.

HomesinSDCounty – Your Smart Move. Wherever Life Takes You.

🛠️ Selling Your Home? Ask Us About RealVitalize

If you need to make improvements, repairs, or updates before you sell—but don’t want to pay upfront costs—RealVitalize is your solution.

Coldwell Banker’s RealVitalize program provides:

• ✅ Professional repairs, updates, and home improvement services
• ✅ No upfront out-of-pocket costs, hidden fees, or interest charges
• ✅ Seller pays back only the amount used—at closing
• ✅ Services available before or during your home listing period
• ✅ Designed to highlight your home’s best features and maximize value

We’ll help you prep your home for sale with zero stress and maximum impact.
📲 Contact us today to learn how RealVitalize can work for you.

A Comprehensive Guide to VA and USDA Loan Combinations for Veteran Homebuyers

The CalHFA VA program offers a VA-insured loan with a fixed interest rate over 30 years, perfect for those seeking stability in their mortgage payments.

CalHFA VA Program

Discover everything you need to know about the CalHFA VA program in the sections below.

Program Eligibility

To see if you qualify for the CalHFA VA Program, review the Borrower and Property Requirements.

Borrower Requirements

• You must live in the property as your main residence; non-occupant co-borrowers are not allowed.
• Complete homebuyer education counseling and get a certificate of completion from an approved organization.
• Meet the income limits set by CalHFA for this program.
• Have a valid certificate of eligibility according to VA guidelines.
• If there are conflicting guidelines, the stricter one must be followed.

Property Requirements

• The property must be a single-family, one-unit residence, including approved condos and PUDs.
• Guest houses, granny units, and in-law quarters may qualify.
• Manufactured homes are not allowed.
• Condos must adhere to the guidelines of the first mortgage.
• If there are conflicting guidelines, the stricter one must be followed.

Interest Rate

Understanding Interest Rates

Interest rates can vary based on your financial situation, lender fees, and other factors. They can also change daily. For an accurate quote, consult a CalHFA-approved loan officer.

CalHFA doesn’t lend money directly. Instead, they work through approved lenders who qualify consumers and provide all mortgage loans. Fees may differ depending on the lender and the specific program. You can view sample Annual Percentage Rates (APRs) here.

Homebuyer Education

CalHFA places a high value on homebuyer education and counseling, believing it’s crucial for the success and satisfaction of homeowners. First-time homebuyers using a CalHFA program must complete this education.

Who Needs to Take the Course?

• Only one first-time homebuyer who will live in the home must take the course per loan transaction.

How to Complete the Course

• ONLINE: The only online course accepted by CalHFA is eHome’s eight-hour Homebuyer Education and Counseling course (fee: $99). Other online courses like Frameworks and HomeView are not acceptable because they don’t include a one-hour, one-on-one counseling follow-up session.
• IN-PERSON or VIRTUAL: Attend live Homebuyer Education and Counseling sessions through NeighborWorks America or any HUD-Approved Housing Counseling Agency (fees vary by agency).

How to Apply

Applying for the CalHFA VA Program

CalHFA’s mortgage products are offered through private loan officers who are approved and trained by CalHFA. These loan officers can provide detailed information about the programs and guide you through the home buying process.

To get started, visit the Find a Loan Officer tab and contact a loan officer in your area.

Documents to Have Ready

When contacting a loan officer, having the following documents ready can help speed up the process:

• Pay stubs
• Bank statements
• Employment history
• Previous tax returns

Download our My First Home Down Payment and Closing Cost Assistance Program Handbook  https://homesinsdcounty.com/myhome-home-purchase-assistance-program-payment-handbook-and-guide/

Combining CalHFA VA and USDA Programs

For those looking to maximize their home financing options, consider combining the CalHFA VA program with the CalHFA USDA loan program. This combination can offer additional benefits and flexibility for eligible borrowers, particularly in rural areas. The CalHFA USDA program provides a zero down payment option, which can be a significant advantage for homebuyers.

To understand how you can leverage both programs, check out our detailed video explanation. This video covers the eligibility criteria, application process, and benefits of using the CalHFA USDA loan alongside the CalHFA VA program.

Watch the video here to learn more about combining these powerful home financing options.

🏡

🏡 HomesinSDCounty: Your Trusted Real Estate Partner—Local Roots, Nationwide Reach

Brad & Karen Mattonen Coldwell Banker West
San Diego Riverside Orange County Desert Communities
📞 858-518-2875 🌐 www.homesinsdcounty.com
Top 5 Market Experts in San Diego
Ethical. Compassionate. Relentless. Results-Driven.

💼 What We Specialize In

🔹 Probate, Trust & Estate Sales
🔹 Pre-Foreclosure & Distressed Properties
🔹 First-Time Buyers, Luxury Estates, Residential & Commercial
🔹 Strategic Negotiation for Buyers & Seller

Why Work With Us?

✔️ We navigate your sale or purchase with precision—prioritizing legal compliance, safety, and protection
✔️ We help you spot risks and blind spots that others often miss
✔️ We advocate fiercely to optimize your outcome and safeguard your future
✔️ We don’t do fluff—we deliver results with integrity and strategy

💥 Explore Our Valuable FREE Real Estate Resources

✓ eBooks | ✓ Checklists | ✓ Buying & Selling Guides | ✓ Investor Tools
→ Visit our Resources Page to download now.

🔗 Follow Us Everywhere!

Get daily market updates, home tours, and no-nonsense real estate advice:

• 📺 YouTube: Subscribe for Weekly Updates
• 👤 Facebook: North County SD Home Sales
• 📸 Instagram: @sandiegocountyhomes
• 📌 Pinterest: San Diego Living & Real Estate
• 🎵 TikTok: @homesinsandiegocounty
• 🐦 X (Twitter): @SDHomesForSale
• 💼 LinkedIn: Brad Mattonen – Professional Insights

🛫 Relocating? Buying, selling, or relocating in San Diego, Riverside, Orange County—or anywhere in the U.S.? We’ve Got You Covered—Nationwide

We’re not just your local experts. and we don’t just work in Southern California—we’re backed by the powerhouse Coldwell Banker National Network and a handpicked team of personally vetted agents across the country. Whether you’re making a move across town or across the country, we ensure a smooth, strategic, and successful experience.

We’ll connect you with an agent we trust—not just someone in the directory.
📲 Message us today and let’s make that move happen.

HomesinSDCounty – Your Smart Move. Wherever Life Takes You.

🛠️ Selling Your Home? Ask Us About RealVitalize

If you need to make improvements, repairs, or updates before you sell—but don’t want to pay upfront costs—RealVitalize is your solution.

Coldwell Banker’s RealVitalize program provides:

• ✅ Professional repairs, updates, and home improvement services
• ✅ No upfront out-of-pocket costs, hidden fees, or interest charges
• ✅ Seller pays back only the amount used—at closing
• ✅ Services available before or during your home listing period
• ✅ Designed to highlight your home’s best features and maximize value

We’ll help you prep your home for sale with zero stress and maximum impact.
📲 Contact us today to learn how RealVitalize can work for you.

A Comprehensive Guide to VA and USDA Loan Combinations for Veteran Homebuyers

The CalHFA VA program offers a VA-insured loan with a fixed interest rate over 30 years, perfect for those seeking stability in their mortgage payments.

CalHFA VA Program

Discover everything you need to know about the CalHFA VA program in the sections below.

Program Eligibility

To see if you qualify for the CalHFA VA Program, review the Borrower and Property Requirements.

Borrower Requirements

• You must live in the property as your main residence; non-occupant co-borrowers are not allowed.
• Complete homebuyer education counseling and get a certificate of completion from an approved organization.
• Meet the income limits set by CalHFA for this program.
• Have a valid certificate of eligibility according to VA guidelines.
• If there are conflicting guidelines, the stricter one must be followed.

Property Requirements

• The property must be a single-family, one-unit residence, including approved condos and PUDs.
• Guest houses, granny units, and in-law quarters may qualify.
• Manufactured homes are not allowed.
• Condos must adhere to the guidelines of the first mortgage.
• If there are conflicting guidelines, the stricter one must be followed.

Interest Rate

Understanding Interest Rates

Interest rates can vary based on your financial situation, lender fees, and other factors. They can also change daily. For an accurate quote, consult a CalHFA-approved loan officer.

CalHFA doesn’t lend money directly. Instead, they work through approved lenders who qualify consumers and provide all mortgage loans. Fees may differ depending on the lender and the specific program. You can view sample Annual Percentage Rates (APRs) here.

Homebuyer Education

CalHFA places a high value on homebuyer education and counseling, believing it’s crucial for the success and satisfaction of homeowners. First-time homebuyers using a CalHFA program must complete this education.

Who Needs to Take the Course?

• Only one first-time homebuyer who will live in the home must take the course per loan transaction.

How to Complete the Course

• ONLINE: The only online course accepted by CalHFA is eHome’s eight-hour Homebuyer Education and Counseling course (fee: $99). Other online courses like Frameworks and HomeView are not acceptable because they don’t include a one-hour, one-on-one counseling follow-up session.
• IN-PERSON or VIRTUAL: Attend live Homebuyer Education and Counseling sessions through NeighborWorks America or any HUD-Approved Housing Counseling Agency (fees vary by agency).

How to Apply

Applying for the CalHFA VA Program

CalHFA’s mortgage products are offered through private loan officers who are approved and trained by CalHFA. These loan officers can provide detailed information about the programs and guide you through the home buying process.

To get started, visit the Find a Loan Officer tab and contact a loan officer in your area.

Documents to Have Ready

When contacting a loan officer, having the following documents ready can help speed up the process:

• Pay stubs
• Bank statements
• Employment history
• Previous tax returns

Download our My First Home Down Payment and Closing Cost Assistance Program Handbook  https://homesinsdcounty.com/myhome-home-purchase-assistance-program-payment-handbook-and-guide/

Combining CalHFA VA and USDA Programs

For those looking to maximize their home financing options, consider combining the CalHFA VA program with the CalHFA USDA loan program. This combination can offer additional benefits and flexibility for eligible borrowers, particularly in rural areas. The CalHFA USDA program provides a zero down payment option, which can be a significant advantage for homebuyers.

To understand how you can leverage both programs, check out our detailed video explanation. This video covers the eligibility criteria, application process, and benefits of using the CalHFA USDA loan alongside the CalHFA VA program.

Watch the video here to learn more about combining these powerful home financing options.

🏡

🏡 HomesinSDCounty: Your Trusted Real Estate Partner—Local Roots, Nationwide Reach

Brad & Karen Mattonen Coldwell Banker West
San Diego Riverside Orange County Desert Communities
📞 858-518-2875 🌐 www.homesinsdcounty.com
Top 5 Market Experts in San Diego
Ethical. Compassionate. Relentless. Results-Driven.

💼 What We Specialize In

🔹 Probate, Trust & Estate Sales
🔹 Pre-Foreclosure & Distressed Properties
🔹 First-Time Buyers, Luxury Estates, Residential & Commercial
🔹 Strategic Negotiation for Buyers & Seller

Why Work With Us?

✔️ We navigate your sale or purchase with precision—prioritizing legal compliance, safety, and protection
✔️ We help you spot risks and blind spots that others often miss
✔️ We advocate fiercely to optimize your outcome and safeguard your future
✔️ We don’t do fluff—we deliver results with integrity and strategy

💥 Explore Our Valuable FREE Real Estate Resources

✓ eBooks | ✓ Checklists | ✓ Buying & Selling Guides | ✓ Investor Tools
→ Visit our Resources Page to download now.

🔗 Follow Us Everywhere!

Get daily market updates, home tours, and no-nonsense real estate advice:

• 📺 YouTube: Subscribe for Weekly Updates
• 👤 Facebook: North County SD Home Sales
• 📸 Instagram: @sandiegocountyhomes
• 📌 Pinterest: San Diego Living & Real Estate
• 🎵 TikTok: @homesinsandiegocounty
• 🐦 X (Twitter): @SDHomesForSale
• 💼 LinkedIn: Brad Mattonen – Professional Insights

🛫 Relocating? Buying, selling, or relocating in San Diego, Riverside, Orange County—or anywhere in the U.S.? We’ve Got You Covered—Nationwide

We’re not just your local experts. and we don’t just work in Southern California—we’re backed by the powerhouse Coldwell Banker National Network and a handpicked team of personally vetted agents across the country. Whether you’re making a move across town or across the country, we ensure a smooth, strategic, and successful experience.

We’ll connect you with an agent we trust—not just someone in the directory.
📲 Message us today and let’s make that move happen.

HomesinSDCounty – Your Smart Move. Wherever Life Takes You.

🛠️ Selling Your Home? Ask Us About RealVitalize

If you need to make improvements, repairs, or updates before you sell—but don’t want to pay upfront costs—RealVitalize is your solution.

Coldwell Banker’s RealVitalize program provides:

• ✅ Professional repairs, updates, and home improvement services
• ✅ No upfront out-of-pocket costs, hidden fees, or interest charges
• ✅ Seller pays back only the amount used—at closing
• ✅ Services available before or during your home listing period
• ✅ Designed to highlight your home’s best features and maximize value

We’ll help you prep your home for sale with zero stress and maximum impact.
📲 Contact us today to learn how RealVitalize can work for you.

A Comprehensive Guide to VA and USDA Loan Combinations for Veteran Homebuyers

The CalHFA VA program offers a VA-insured loan with a fixed interest rate over 30 years, perfect for those seeking stability in their mortgage payments.

CalHFA VA Program

Discover everything you need to know about the CalHFA VA program in the sections below.

Program Eligibility

To see if you qualify for the CalHFA VA Program, review the Borrower and Property Requirements.

Borrower Requirements

• You must live in the property as your main residence; non-occupant co-borrowers are not allowed.
• Complete homebuyer education counseling and get a certificate of completion from an approved organization.
• Meet the income limits set by CalHFA for this program.
• Have a valid certificate of eligibility according to VA guidelines.
• If there are conflicting guidelines, the stricter one must be followed.

Property Requirements

• The property must be a single-family, one-unit residence, including approved condos and PUDs.
• Guest houses, granny units, and in-law quarters may qualify.
• Manufactured homes are not allowed.
• Condos must adhere to the guidelines of the first mortgage.
• If there are conflicting guidelines, the stricter one must be followed.

Interest Rate

Understanding Interest Rates

Interest rates can vary based on your financial situation, lender fees, and other factors. They can also change daily. For an accurate quote, consult a CalHFA-approved loan officer.

CalHFA doesn’t lend money directly. Instead, they work through approved lenders who qualify consumers and provide all mortgage loans. Fees may differ depending on the lender and the specific program. You can view sample Annual Percentage Rates (APRs) here.

Homebuyer Education

CalHFA places a high value on homebuyer education and counseling, believing it’s crucial for the success and satisfaction of homeowners. First-time homebuyers using a CalHFA program must complete this education.

Who Needs to Take the Course?

• Only one first-time homebuyer who will live in the home must take the course per loan transaction.

How to Complete the Course

• ONLINE: The only online course accepted by CalHFA is eHome’s eight-hour Homebuyer Education and Counseling course (fee: $99). Other online courses like Frameworks and HomeView are not acceptable because they don’t include a one-hour, one-on-one counseling follow-up session.
• IN-PERSON or VIRTUAL: Attend live Homebuyer Education and Counseling sessions through NeighborWorks America or any HUD-Approved Housing Counseling Agency (fees vary by agency).

How to Apply

Applying for the CalHFA VA Program

CalHFA’s mortgage products are offered through private loan officers who are approved and trained by CalHFA. These loan officers can provide detailed information about the programs and guide you through the home buying process.

To get started, visit the Find a Loan Officer tab and contact a loan officer in your area.

Documents to Have Ready

When contacting a loan officer, having the following documents ready can help speed up the process:

• Pay stubs
• Bank statements
• Employment history
• Previous tax returns

Download our My First Home Down Payment and Closing Cost Assistance Program Handbook  https://homesinsdcounty.com/myhome-home-purchase-assistance-program-payment-handbook-and-guide/

Combining CalHFA VA and USDA Programs

For those looking to maximize their home financing options, consider combining the CalHFA VA program with the CalHFA USDA loan program. This combination can offer additional benefits and flexibility for eligible borrowers, particularly in rural areas. The CalHFA USDA program provides a zero down payment option, which can be a significant advantage for homebuyers.

To understand how you can leverage both programs, check out our detailed video explanation. This video covers the eligibility criteria, application process, and benefits of using the CalHFA USDA loan alongside the CalHFA VA program.

Watch the video here to learn more about combining these powerful home financing options.

🏡

🏡 HomesinSDCounty: Your Trusted Real Estate Partner—Local Roots, Nationwide Reach

Brad & Karen Mattonen Coldwell Banker West
San Diego Riverside Orange County Desert Communities
📞 858-518-2875 🌐 www.homesinsdcounty.com
Top 5 Market Experts in San Diego
Ethical. Compassionate. Relentless. Results-Driven.

💼 What We Specialize In

🔹 Probate, Trust & Estate Sales
🔹 Pre-Foreclosure & Distressed Properties
🔹 First-Time Buyers, Luxury Estates, Residential & Commercial
🔹 Strategic Negotiation for Buyers & Seller

Why Work With Us?

✔️ We navigate your sale or purchase with precision—prioritizing legal compliance, safety, and protection
✔️ We help you spot risks and blind spots that others often miss
✔️ We advocate fiercely to optimize your outcome and safeguard your future
✔️ We don’t do fluff—we deliver results with integrity and strategy

💥 Explore Our Valuable FREE Real Estate Resources

✓ eBooks | ✓ Checklists | ✓ Buying & Selling Guides | ✓ Investor Tools
→ Visit our Resources Page to download now.

🔗 Follow Us Everywhere!

Get daily market updates, home tours, and no-nonsense real estate advice:

• 📺 YouTube: Subscribe for Weekly Updates
• 👤 Facebook: North County SD Home Sales
• 📸 Instagram: @sandiegocountyhomes
• 📌 Pinterest: San Diego Living & Real Estate
• 🎵 TikTok: @homesinsandiegocounty
• 🐦 X (Twitter): @SDHomesForSale
• 💼 LinkedIn: Brad Mattonen – Professional Insights

🛫 Relocating? Buying, selling, or relocating in San Diego, Riverside, Orange County—or anywhere in the U.S.? We’ve Got You Covered—Nationwide

We’re not just your local experts. and we don’t just work in Southern California—we’re backed by the powerhouse Coldwell Banker National Network and a handpicked team of personally vetted agents across the country. Whether you’re making a move across town or across the country, we ensure a smooth, strategic, and successful experience.

We’ll connect you with an agent we trust—not just someone in the directory.
📲 Message us today and let’s make that move happen.

HomesinSDCounty – Your Smart Move. Wherever Life Takes You.

🛠️ Selling Your Home? Ask Us About RealVitalize

If you need to make improvements, repairs, or updates before you sell—but don’t want to pay upfront costs—RealVitalize is your solution.

Coldwell Banker’s RealVitalize program provides:

• ✅ Professional repairs, updates, and home improvement services
• ✅ No upfront out-of-pocket costs, hidden fees, or interest charges
• ✅ Seller pays back only the amount used—at closing
• ✅ Services available before or during your home listing period
• ✅ Designed to highlight your home’s best features and maximize value

We’ll help you prep your home for sale with zero stress and maximum impact.
📲 Contact us today to learn how RealVitalize can work for you.

A Comprehensive Guide to VA and USDA Loan Combinations for Veteran Homebuyers

The CalHFA VA program offers a VA-insured loan with a fixed interest rate over 30 years, perfect for those seeking stability in their mortgage payments.

CalHFA VA Program

Discover everything you need to know about the CalHFA VA program in the sections below.

Program Eligibility

To see if you qualify for the CalHFA VA Program, review the Borrower and Property Requirements.

Borrower Requirements

• You must live in the property as your main residence; non-occupant co-borrowers are not allowed.
• Complete homebuyer education counseling and get a certificate of completion from an approved organization.
• Meet the income limits set by CalHFA for this program.
• Have a valid certificate of eligibility according to VA guidelines.
• If there are conflicting guidelines, the stricter one must be followed.

Property Requirements

• The property must be a single-family, one-unit residence, including approved condos and PUDs.
• Guest houses, granny units, and in-law quarters may qualify.
• Manufactured homes are not allowed.
• Condos must adhere to the guidelines of the first mortgage.
• If there are conflicting guidelines, the stricter one must be followed.

Interest Rate

Understanding Interest Rates

Interest rates can vary based on your financial situation, lender fees, and other factors. They can also change daily. For an accurate quote, consult a CalHFA-approved loan officer.

CalHFA doesn’t lend money directly. Instead, they work through approved lenders who qualify consumers and provide all mortgage loans. Fees may differ depending on the lender and the specific program. You can view sample Annual Percentage Rates (APRs) here.

Homebuyer Education

CalHFA places a high value on homebuyer education and counseling, believing it’s crucial for the success and satisfaction of homeowners. First-time homebuyers using a CalHFA program must complete this education.

Who Needs to Take the Course?

• Only one first-time homebuyer who will live in the home must take the course per loan transaction.

How to Complete the Course

• ONLINE: The only online course accepted by CalHFA is eHome’s eight-hour Homebuyer Education and Counseling course (fee: $99). Other online courses like Frameworks and HomeView are not acceptable because they don’t include a one-hour, one-on-one counseling follow-up session.
• IN-PERSON or VIRTUAL: Attend live Homebuyer Education and Counseling sessions through NeighborWorks America or any HUD-Approved Housing Counseling Agency (fees vary by agency).

How to Apply

Applying for the CalHFA VA Program

CalHFA’s mortgage products are offered through private loan officers who are approved and trained by CalHFA. These loan officers can provide detailed information about the programs and guide you through the home buying process.

To get started, visit the Find a Loan Officer tab and contact a loan officer in your area.

Documents to Have Ready

When contacting a loan officer, having the following documents ready can help speed up the process:

• Pay stubs
• Bank statements
• Employment history
• Previous tax returns

Download our My First Home Down Payment and Closing Cost Assistance Program Handbook  https://homesinsdcounty.com/myhome-home-purchase-assistance-program-payment-handbook-and-guide/

Combining CalHFA VA and USDA Programs

For those looking to maximize their home financing options, consider combining the CalHFA VA program with the CalHFA USDA loan program. This combination can offer additional benefits and flexibility for eligible borrowers, particularly in rural areas. The CalHFA USDA program provides a zero down payment option, which can be a significant advantage for homebuyers.

To understand how you can leverage both programs, check out our detailed video explanation. This video covers the eligibility criteria, application process, and benefits of using the CalHFA USDA loan alongside the CalHFA VA program.

Watch the video here to learn more about combining these powerful home financing options.

🏡

🏡 HomesinSDCounty: Your Trusted Real Estate Partner—Local Roots, Nationwide Reach

Brad & Karen Mattonen Coldwell Banker West
San Diego Riverside Orange County Desert Communities
📞 858-518-2875 🌐 www.homesinsdcounty.com
Top 5 Market Experts in San Diego
Ethical. Compassionate. Relentless. Results-Driven.

💼 What We Specialize In

🔹 Probate, Trust & Estate Sales
🔹 Pre-Foreclosure & Distressed Properties
🔹 First-Time Buyers, Luxury Estates, Residential & Commercial
🔹 Strategic Negotiation for Buyers & Seller

Why Work With Us?

✔️ We navigate your sale or purchase with precision—prioritizing legal compliance, safety, and protection
✔️ We help you spot risks and blind spots that others often miss
✔️ We advocate fiercely to optimize your outcome and safeguard your future
✔️ We don’t do fluff—we deliver results with integrity and strategy

💥 Explore Our Valuable FREE Real Estate Resources

✓ eBooks | ✓ Checklists | ✓ Buying & Selling Guides | ✓ Investor Tools
→ Visit our Resources Page to download now.

🔗 Follow Us Everywhere!

Get daily market updates, home tours, and no-nonsense real estate advice:

• 📺 YouTube: Subscribe for Weekly Updates
• 👤 Facebook: North County SD Home Sales
• 📸 Instagram: @sandiegocountyhomes
• 📌 Pinterest: San Diego Living & Real Estate
• 🎵 TikTok: @homesinsandiegocounty
• 🐦 X (Twitter): @SDHomesForSale
• 💼 LinkedIn: Brad Mattonen – Professional Insights

🛫 Relocating? Buying, selling, or relocating in San Diego, Riverside, Orange County—or anywhere in the U.S.? We’ve Got You Covered—Nationwide

We’re not just your local experts. and we don’t just work in Southern California—we’re backed by the powerhouse Coldwell Banker National Network and a handpicked team of personally vetted agents across the country. Whether you’re making a move across town or across the country, we ensure a smooth, strategic, and successful experience.

We’ll connect you with an agent we trust—not just someone in the directory.
📲 Message us today and let’s make that move happen.

HomesinSDCounty – Your Smart Move. Wherever Life Takes You.

🛠️ Selling Your Home? Ask Us About RealVitalize

If you need to make improvements, repairs, or updates before you sell—but don’t want to pay upfront costs—RealVitalize is your solution.

Coldwell Banker’s RealVitalize program provides:

• ✅ Professional repairs, updates, and home improvement services
• ✅ No upfront out-of-pocket costs, hidden fees, or interest charges
• ✅ Seller pays back only the amount used—at closing
• ✅ Services available before or during your home listing period
• ✅ Designed to highlight your home’s best features and maximize value

We’ll help you prep your home for sale with zero stress and maximum impact.
📲 Contact us today to learn how RealVitalize can work for you.

A Comprehensive Guide to VA and USDA Loan Combinations for Veteran Homebuyers

The CalHFA VA program offers a VA-insured loan with a fixed interest rate over 30 years, perfect for those seeking stability in their mortgage payments.

CalHFA VA Program

Discover everything you need to know about the CalHFA VA program in the sections below.

Program Eligibility

To see if you qualify for the CalHFA VA Program, review the Borrower and Property Requirements.

Borrower Requirements

• You must live in the property as your main residence; non-occupant co-borrowers are not allowed.
• Complete homebuyer education counseling and get a certificate of completion from an approved organization.
• Meet the income limits set by CalHFA for this program.
• Have a valid certificate of eligibility according to VA guidelines.
• If there are conflicting guidelines, the stricter one must be followed.

Property Requirements

• The property must be a single-family, one-unit residence, including approved condos and PUDs.
• Guest houses, granny units, and in-law quarters may qualify.
• Manufactured homes are not allowed.
• Condos must adhere to the guidelines of the first mortgage.
• If there are conflicting guidelines, the stricter one must be followed.

Interest Rate

Understanding Interest Rates

Interest rates can vary based on your financial situation, lender fees, and other factors. They can also change daily. For an accurate quote, consult a CalHFA-approved loan officer.

CalHFA doesn’t lend money directly. Instead, they work through approved lenders who qualify consumers and provide all mortgage loans. Fees may differ depending on the lender and the specific program. You can view sample Annual Percentage Rates (APRs) here.

Homebuyer Education

CalHFA places a high value on homebuyer education and counseling, believing it’s crucial for the success and satisfaction of homeowners. First-time homebuyers using a CalHFA program must complete this education.

Who Needs to Take the Course?

• Only one first-time homebuyer who will live in the home must take the course per loan transaction.

How to Complete the Course

• ONLINE: The only online course accepted by CalHFA is eHome’s eight-hour Homebuyer Education and Counseling course (fee: $99). Other online courses like Frameworks and HomeView are not acceptable because they don’t include a one-hour, one-on-one counseling follow-up session.
• IN-PERSON or VIRTUAL: Attend live Homebuyer Education and Counseling sessions through NeighborWorks America or any HUD-Approved Housing Counseling Agency (fees vary by agency).

How to Apply

Applying for the CalHFA VA Program

CalHFA’s mortgage products are offered through private loan officers who are approved and trained by CalHFA. These loan officers can provide detailed information about the programs and guide you through the home buying process.

To get started, visit the Find a Loan Officer tab and contact a loan officer in your area.

Documents to Have Ready

When contacting a loan officer, having the following documents ready can help speed up the process:

• Pay stubs
• Bank statements
• Employment history
• Previous tax returns

Download our My First Home Down Payment and Closing Cost Assistance Program Handbook  https://homesinsdcounty.com/myhome-home-purchase-assistance-program-payment-handbook-and-guide/

Combining CalHFA VA and USDA Programs

For those looking to maximize their home financing options, consider combining the CalHFA VA program with the CalHFA USDA loan program. This combination can offer additional benefits and flexibility for eligible borrowers, particularly in rural areas. The CalHFA USDA program provides a zero down payment option, which can be a significant advantage for homebuyers.

To understand how you can leverage both programs, check out our detailed video explanation. This video covers the eligibility criteria, application process, and benefits of using the CalHFA USDA loan alongside the CalHFA VA program.

Watch the video here to learn more about combining these powerful home financing options.

🏡

🏡 HomesinSDCounty: Your Trusted Real Estate Partner—Local Roots, Nationwide Reach

Brad & Karen Mattonen Coldwell Banker West
San Diego Riverside Orange County Desert Communities
📞 858-518-2875 🌐 www.homesinsdcounty.com
Top 5 Market Experts in San Diego
Ethical. Compassionate. Relentless. Results-Driven.

💼 What We Specialize In

🔹 Probate, Trust & Estate Sales
🔹 Pre-Foreclosure & Distressed Properties
🔹 First-Time Buyers, Luxury Estates, Residential & Commercial
🔹 Strategic Negotiation for Buyers & Seller

Why Work With Us?

✔️ We navigate your sale or purchase with precision—prioritizing legal compliance, safety, and protection
✔️ We help you spot risks and blind spots that others often miss
✔️ We advocate fiercely to optimize your outcome and safeguard your future
✔️ We don’t do fluff—we deliver results with integrity and strategy

💥 Explore Our Valuable FREE Real Estate Resources

✓ eBooks | ✓ Checklists | ✓ Buying & Selling Guides | ✓ Investor Tools
→ Visit our Resources Page to download now.

🔗 Follow Us Everywhere!

Get daily market updates, home tours, and no-nonsense real estate advice:

• 📺 YouTube: Subscribe for Weekly Updates
• 👤 Facebook: North County SD Home Sales
• 📸 Instagram: @sandiegocountyhomes
• 📌 Pinterest: San Diego Living & Real Estate
• 🎵 TikTok: @homesinsandiegocounty
• 🐦 X (Twitter): @SDHomesForSale
• 💼 LinkedIn: Brad Mattonen – Professional Insights

🛫 Relocating? Buying, selling, or relocating in San Diego, Riverside, Orange County—or anywhere in the U.S.? We’ve Got You Covered—Nationwide

We’re not just your local experts. and we don’t just work in Southern California—we’re backed by the powerhouse Coldwell Banker National Network and a handpicked team of personally vetted agents across the country. Whether you’re making a move across town or across the country, we ensure a smooth, strategic, and successful experience.

We’ll connect you with an agent we trust—not just someone in the directory.
📲 Message us today and let’s make that move happen.

HomesinSDCounty – Your Smart Move. Wherever Life Takes You.

🛠️ Selling Your Home? Ask Us About RealVitalize

If you need to make improvements, repairs, or updates before you sell—but don’t want to pay upfront costs—RealVitalize is your solution.

Coldwell Banker’s RealVitalize program provides:

• ✅ Professional repairs, updates, and home improvement services
• ✅ No upfront out-of-pocket costs, hidden fees, or interest charges
• ✅ Seller pays back only the amount used—at closing
• ✅ Services available before or during your home listing period
• ✅ Designed to highlight your home’s best features and maximize value

We’ll help you prep your home for sale with zero stress and maximum impact.
📲 Contact us today to learn how RealVitalize can work for you.

A Comprehensive Guide to VA and USDA Loan Combinations for Veteran Homebuyers

The CalHFA VA program offers a VA-insured loan with a fixed interest rate over 30 years, perfect for those seeking stability in their mortgage payments.

CalHFA VA Program

Discover everything you need to know about the CalHFA VA program in the sections below.

Program Eligibility

To see if you qualify for the CalHFA VA Program, review the Borrower and Property Requirements.

Borrower Requirements

• You must live in the property as your main residence; non-occupant co-borrowers are not allowed.
• Complete homebuyer education counseling and get a certificate of completion from an approved organization.
• Meet the income limits set by CalHFA for this program.
• Have a valid certificate of eligibility according to VA guidelines.
• If there are conflicting guidelines, the stricter one must be followed.

Property Requirements

• The property must be a single-family, one-unit residence, including approved condos and PUDs.
• Guest houses, granny units, and in-law quarters may qualify.
• Manufactured homes are not allowed.
• Condos must adhere to the guidelines of the first mortgage.
• If there are conflicting guidelines, the stricter one must be followed.

Interest Rate

Understanding Interest Rates

Interest rates can vary based on your financial situation, lender fees, and other factors. They can also change daily. For an accurate quote, consult a CalHFA-approved loan officer.

CalHFA doesn’t lend money directly. Instead, they work through approved lenders who qualify consumers and provide all mortgage loans. Fees may differ depending on the lender and the specific program. You can view sample Annual Percentage Rates (APRs) here.

Homebuyer Education

CalHFA places a high value on homebuyer education and counseling, believing it’s crucial for the success and satisfaction of homeowners. First-time homebuyers using a CalHFA program must complete this education.

Who Needs to Take the Course?

• Only one first-time homebuyer who will live in the home must take the course per loan transaction.

How to Complete the Course

• ONLINE: The only online course accepted by CalHFA is eHome’s eight-hour Homebuyer Education and Counseling course (fee: $99). Other online courses like Frameworks and HomeView are not acceptable because they don’t include a one-hour, one-on-one counseling follow-up session.
• IN-PERSON or VIRTUAL: Attend live Homebuyer Education and Counseling sessions through NeighborWorks America or any HUD-Approved Housing Counseling Agency (fees vary by agency).

How to Apply

Applying for the CalHFA VA Program

CalHFA’s mortgage products are offered through private loan officers who are approved and trained by CalHFA. These loan officers can provide detailed information about the programs and guide you through the home buying process.

To get started, visit the Find a Loan Officer tab and contact a loan officer in your area.

Documents to Have Ready

When contacting a loan officer, having the following documents ready can help speed up the process:

• Pay stubs
• Bank statements
• Employment history
• Previous tax returns

Download our My First Home Down Payment and Closing Cost Assistance Program Handbook  https://homesinsdcounty.com/myhome-home-purchase-assistance-program-payment-handbook-and-guide/

Combining CalHFA VA and USDA Programs

For those looking to maximize their home financing options, consider combining the CalHFA VA program with the CalHFA USDA loan program. This combination can offer additional benefits and flexibility for eligible borrowers, particularly in rural areas. The CalHFA USDA program provides a zero down payment option, which can be a significant advantage for homebuyers.

To understand how you can leverage both programs, check out our detailed video explanation. This video covers the eligibility criteria, application process, and benefits of using the CalHFA USDA loan alongside the CalHFA VA program.

Watch the video here to learn more about combining these powerful home financing options.

🏡

🏡 HomesinSDCounty: Your Trusted Real Estate Partner—Local Roots, Nationwide Reach

Brad & Karen Mattonen Coldwell Banker West
San Diego Riverside Orange County Desert Communities
📞 858-518-2875 🌐 www.homesinsdcounty.com
Top 5 Market Experts in San Diego
Ethical. Compassionate. Relentless. Results-Driven.

💼 What We Specialize In

🔹 Probate, Trust & Estate Sales
🔹 Pre-Foreclosure & Distressed Properties
🔹 First-Time Buyers, Luxury Estates, Residential & Commercial
🔹 Strategic Negotiation for Buyers & Seller

Why Work With Us?

✔️ We navigate your sale or purchase with precision—prioritizing legal compliance, safety, and protection
✔️ We help you spot risks and blind spots that others often miss
✔️ We advocate fiercely to optimize your outcome and safeguard your future
✔️ We don’t do fluff—we deliver results with integrity and strategy

💥 Explore Our Valuable FREE Real Estate Resources

✓ eBooks | ✓ Checklists | ✓ Buying & Selling Guides | ✓ Investor Tools
→ Visit our Resources Page to download now.

🔗 Follow Us Everywhere!

Get daily market updates, home tours, and no-nonsense real estate advice:

• 📺 YouTube: Subscribe for Weekly Updates
• 👤 Facebook: North County SD Home Sales
• 📸 Instagram: @sandiegocountyhomes
• 📌 Pinterest: San Diego Living & Real Estate
• 🎵 TikTok: @homesinsandiegocounty
• 🐦 X (Twitter): @SDHomesForSale
• 💼 LinkedIn: Brad Mattonen – Professional Insights

🛫 Relocating? Buying, selling, or relocating in San Diego, Riverside, Orange County—or anywhere in the U.S.? We’ve Got You Covered—Nationwide

We’re not just your local experts. and we don’t just work in Southern California—we’re backed by the powerhouse Coldwell Banker National Network and a handpicked team of personally vetted agents across the country. Whether you’re making a move across town or across the country, we ensure a smooth, strategic, and successful experience.

We’ll connect you with an agent we trust—not just someone in the directory.
📲 Message us today and let’s make that move happen.

HomesinSDCounty – Your Smart Move. Wherever Life Takes You.

🛠️ Selling Your Home? Ask Us About RealVitalize

If you need to make improvements, repairs, or updates before you sell—but don’t want to pay upfront costs—RealVitalize is your solution.

Coldwell Banker’s RealVitalize program provides:

• ✅ Professional repairs, updates, and home improvement services
• ✅ No upfront out-of-pocket costs, hidden fees, or interest charges
• ✅ Seller pays back only the amount used—at closing
• ✅ Services available before or during your home listing period
• ✅ Designed to highlight your home’s best features and maximize value

We’ll help you prep your home for sale with zero stress and maximum impact.
📲 Contact us today to learn how RealVitalize can work for you.

A Comprehensive Guide to VA and USDA Loan Combinations for Veteran Homebuyers

The CalHFA VA program offers a VA-insured loan with a fixed interest rate over 30 years, perfect for those seeking stability in their mortgage payments.

CalHFA VA Program

Discover everything you need to know about the CalHFA VA program in the sections below.

Program Eligibility

To see if you qualify for the CalHFA VA Program, review the Borrower and Property Requirements.

Borrower Requirements

• You must live in the property as your main residence; non-occupant co-borrowers are not allowed.
• Complete homebuyer education counseling and get a certificate of completion from an approved organization.
• Meet the income limits set by CalHFA for this program.
• Have a valid certificate of eligibility according to VA guidelines.
• If there are conflicting guidelines, the stricter one must be followed.

Property Requirements

• The property must be a single-family, one-unit residence, including approved condos and PUDs.
• Guest houses, granny units, and in-law quarters may qualify.
• Manufactured homes are not allowed.
• Condos must adhere to the guidelines of the first mortgage.
• If there are conflicting guidelines, the stricter one must be followed.

Interest Rate

Understanding Interest Rates

Interest rates can vary based on your financial situation, lender fees, and other factors. They can also change daily. For an accurate quote, consult a CalHFA-approved loan officer.

CalHFA doesn’t lend money directly. Instead, they work through approved lenders who qualify consumers and provide all mortgage loans. Fees may differ depending on the lender and the specific program. You can view sample Annual Percentage Rates (APRs) here.

Homebuyer Education

CalHFA places a high value on homebuyer education and counseling, believing it’s crucial for the success and satisfaction of homeowners. First-time homebuyers using a CalHFA program must complete this education.

Who Needs to Take the Course?

• Only one first-time homebuyer who will live in the home must take the course per loan transaction.

How to Complete the Course

• ONLINE: The only online course accepted by CalHFA is eHome’s eight-hour Homebuyer Education and Counseling course (fee: $99). Other online courses like Frameworks and HomeView are not acceptable because they don’t include a one-hour, one-on-one counseling follow-up session.
• IN-PERSON or VIRTUAL: Attend live Homebuyer Education and Counseling sessions through NeighborWorks America or any HUD-Approved Housing Counseling Agency (fees vary by agency).

How to Apply

Applying for the CalHFA VA Program

CalHFA’s mortgage products are offered through private loan officers who are approved and trained by CalHFA. These loan officers can provide detailed information about the programs and guide you through the home buying process.

To get started, visit the Find a Loan Officer tab and contact a loan officer in your area.

Documents to Have Ready

When contacting a loan officer, having the following documents ready can help speed up the process:

• Pay stubs
• Bank statements
• Employment history
• Previous tax returns

Download our My First Home Down Payment and Closing Cost Assistance Program Handbook  https://homesinsdcounty.com/myhome-home-purchase-assistance-program-payment-handbook-and-guide/

Combining CalHFA VA and USDA Programs

For those looking to maximize their home financing options, consider combining the CalHFA VA program with the CalHFA USDA loan program. This combination can offer additional benefits and flexibility for eligible borrowers, particularly in rural areas. The CalHFA USDA program provides a zero down payment option, which can be a significant advantage for homebuyers.

To understand how you can leverage both programs, check out our detailed video explanation. This video covers the eligibility criteria, application process, and benefits of using the CalHFA USDA loan alongside the CalHFA VA program.

Watch the video here to learn more about combining these powerful home financing options.

🏡

🏡 HomesinSDCounty: Your Trusted Real Estate Partner—Local Roots, Nationwide Reach

Brad & Karen Mattonen Coldwell Banker West
San Diego Riverside Orange County Desert Communities
📞 858-518-2875 🌐 www.homesinsdcounty.com
Top 5 Market Experts in San Diego
Ethical. Compassionate. Relentless. Results-Driven.

💼 What We Specialize In

🔹 Probate, Trust & Estate Sales
🔹 Pre-Foreclosure & Distressed Properties
🔹 First-Time Buyers, Luxury Estates, Residential & Commercial
🔹 Strategic Negotiation for Buyers & Seller

Why Work With Us?

✔️ We navigate your sale or purchase with precision—prioritizing legal compliance, safety, and protection
✔️ We help you spot risks and blind spots that others often miss
✔️ We advocate fiercely to optimize your outcome and safeguard your future
✔️ We don’t do fluff—we deliver results with integrity and strategy

💥 Explore Our Valuable FREE Real Estate Resources

✓ eBooks | ✓ Checklists | ✓ Buying & Selling Guides | ✓ Investor Tools
→ Visit our Resources Page to download now.

🔗 Follow Us Everywhere!

Get daily market updates, home tours, and no-nonsense real estate advice:

• 📺 YouTube: Subscribe for Weekly Updates
• 👤 Facebook: North County SD Home Sales
• 📸 Instagram: @sandiegocountyhomes
• 📌 Pinterest: San Diego Living & Real Estate
• 🎵 TikTok: @homesinsandiegocounty
• 🐦 X (Twitter): @SDHomesForSale
• 💼 LinkedIn: Brad Mattonen – Professional Insights

🛫 Relocating? Buying, selling, or relocating in San Diego, Riverside, Orange County—or anywhere in the U.S.? We’ve Got You Covered—Nationwide

We’re not just your local experts. and we don’t just work in Southern California—we’re backed by the powerhouse Coldwell Banker National Network and a handpicked team of personally vetted agents across the country. Whether you’re making a move across town or across the country, we ensure a smooth, strategic, and successful experience.

We’ll connect you with an agent we trust—not just someone in the directory.
📲 Message us today and let’s make that move happen.

HomesinSDCounty – Your Smart Move. Wherever Life Takes You.

🛠️ Selling Your Home? Ask Us About RealVitalize

If you need to make improvements, repairs, or updates before you sell—but don’t want to pay upfront costs—RealVitalize is your solution.

Coldwell Banker’s RealVitalize program provides:

• ✅ Professional repairs, updates, and home improvement services
• ✅ No upfront out-of-pocket costs, hidden fees, or interest charges
• ✅ Seller pays back only the amount used—at closing
• ✅ Services available before or during your home listing period
• ✅ Designed to highlight your home’s best features and maximize value

We’ll help you prep your home for sale with zero stress and maximum impact.
📲 Contact us today to learn how RealVitalize can work for you.

A Comprehensive Guide to VA and USDA Loan Combinations for Veteran Homebuyers

The CalHFA VA program offers a VA-insured loan with a fixed interest rate over 30 years, perfect for those seeking stability in their mortgage payments.

CalHFA VA Program

Discover everything you need to know about the CalHFA VA program in the sections below.

Program Eligibility

To see if you qualify for the CalHFA VA Program, review the Borrower and Property Requirements.

Borrower Requirements

• You must live in the property as your main residence; non-occupant co-borrowers are not allowed.
• Complete homebuyer education counseling and get a certificate of completion from an approved organization.
• Meet the income limits set by CalHFA for this program.
• Have a valid certificate of eligibility according to VA guidelines.
• If there are conflicting guidelines, the stricter one must be followed.

Property Requirements

• The property must be a single-family, one-unit residence, including approved condos and PUDs.
• Guest houses, granny units, and in-law quarters may qualify.
• Manufactured homes are not allowed.
• Condos must adhere to the guidelines of the first mortgage.
• If there are conflicting guidelines, the stricter one must be followed.

Interest Rate

Understanding Interest Rates

Interest rates can vary based on your financial situation, lender fees, and other factors. They can also change daily. For an accurate quote, consult a CalHFA-approved loan officer.

CalHFA doesn’t lend money directly. Instead, they work through approved lenders who qualify consumers and provide all mortgage loans. Fees may differ depending on the lender and the specific program. You can view sample Annual Percentage Rates (APRs) here.

Homebuyer Education

CalHFA places a high value on homebuyer education and counseling, believing it’s crucial for the success and satisfaction of homeowners. First-time homebuyers using a CalHFA program must complete this education.

Who Needs to Take the Course?

• Only one first-time homebuyer who will live in the home must take the course per loan transaction.

How to Complete the Course

• ONLINE: The only online course accepted by CalHFA is eHome’s eight-hour Homebuyer Education and Counseling course (fee: $99). Other online courses like Frameworks and HomeView are not acceptable because they don’t include a one-hour, one-on-one counseling follow-up session.
• IN-PERSON or VIRTUAL: Attend live Homebuyer Education and Counseling sessions through NeighborWorks America or any HUD-Approved Housing Counseling Agency (fees vary by agency).

How to Apply

Applying for the CalHFA VA Program

CalHFA’s mortgage products are offered through private loan officers who are approved and trained by CalHFA. These loan officers can provide detailed information about the programs and guide you through the home buying process.

To get started, visit the Find a Loan Officer tab and contact a loan officer in your area.

Documents to Have Ready

When contacting a loan officer, having the following documents ready can help speed up the process:

• Pay stubs
• Bank statements
• Employment history
• Previous tax returns

Download our My First Home Down Payment and Closing Cost Assistance Program Handbook  https://homesinsdcounty.com/myhome-home-purchase-assistance-program-payment-handbook-and-guide/

Combining CalHFA VA and USDA Programs

For those looking to maximize their home financing options, consider combining the CalHFA VA program with the CalHFA USDA loan program. This combination can offer additional benefits and flexibility for eligible borrowers, particularly in rural areas. The CalHFA USDA program provides a zero down payment option, which can be a significant advantage for homebuyers.

To understand how you can leverage both programs, check out our detailed video explanation. This video covers the eligibility criteria, application process, and benefits of using the CalHFA USDA loan alongside the CalHFA VA program.

Watch the video here to learn more about combining these powerful home financing options.

🏡

🏡 HomesinSDCounty: Your Trusted Real Estate Partner—Local Roots, Nationwide Reach

Brad & Karen Mattonen Coldwell Banker West
San Diego Riverside Orange County Desert Communities
📞 858-518-2875 🌐 www.homesinsdcounty.com
Top 5 Market Experts in San Diego
Ethical. Compassionate. Relentless. Results-Driven.

💼 What We Specialize In

🔹 Probate, Trust & Estate Sales
🔹 Pre-Foreclosure & Distressed Properties
🔹 First-Time Buyers, Luxury Estates, Residential & Commercial
🔹 Strategic Negotiation for Buyers & Seller

Why Work With Us?

✔️ We navigate your sale or purchase with precision—prioritizing legal compliance, safety, and protection
✔️ We help you spot risks and blind spots that others often miss
✔️ We advocate fiercely to optimize your outcome and safeguard your future
✔️ We don’t do fluff—we deliver results with integrity and strategy

💥 Explore Our Valuable FREE Real Estate Resources

✓ eBooks | ✓ Checklists | ✓ Buying & Selling Guides | ✓ Investor Tools
→ Visit our Resources Page to download now.

🔗 Follow Us Everywhere!

Get daily market updates, home tours, and no-nonsense real estate advice:

• 📺 YouTube: Subscribe for Weekly Updates
• 👤 Facebook: North County SD Home Sales
• 📸 Instagram: @sandiegocountyhomes
• 📌 Pinterest: San Diego Living & Real Estate
• 🎵 TikTok: @homesinsandiegocounty
• 🐦 X (Twitter): @SDHomesForSale
• 💼 LinkedIn: Brad Mattonen – Professional Insights

🛫 Relocating? Buying, selling, or relocating in San Diego, Riverside, Orange County—or anywhere in the U.S.? We’ve Got You Covered—Nationwide

We’re not just your local experts. and we don’t just work in Southern California—we’re backed by the powerhouse Coldwell Banker National Network and a handpicked team of personally vetted agents across the country. Whether you’re making a move across town or across the country, we ensure a smooth, strategic, and successful experience.

We’ll connect you with an agent we trust—not just someone in the directory.
📲 Message us today and let’s make that move happen.

HomesinSDCounty – Your Smart Move. Wherever Life Takes You.

🛠️ Selling Your Home? Ask Us About RealVitalize

If you need to make improvements, repairs, or updates before you sell—but don’t want to pay upfront costs—RealVitalize is your solution.

Coldwell Banker’s RealVitalize program provides:

• ✅ Professional repairs, updates, and home improvement services
• ✅ No upfront out-of-pocket costs, hidden fees, or interest charges
• ✅ Seller pays back only the amount used—at closing
• ✅ Services available before or during your home listing period
• ✅ Designed to highlight your home’s best features and maximize value

We’ll help you prep your home for sale with zero stress and maximum impact.
📲 Contact us today to learn how RealVitalize can work for you.

A Comprehensive Guide to VA and USDA Loan Combinations for Veteran Homebuyers

The CalHFA VA program offers a VA-insured loan with a fixed interest rate over 30 years, perfect for those seeking stability in their mortgage payments.

CalHFA VA Program

Discover everything you need to know about the CalHFA VA program in the sections below.

Program Eligibility

To see if you qualify for the CalHFA VA Program, review the Borrower and Property Requirements.

Borrower Requirements

• You must live in the property as your main residence; non-occupant co-borrowers are not allowed.
• Complete homebuyer education counseling and get a certificate of completion from an approved organization.
• Meet the income limits set by CalHFA for this program.
• Have a valid certificate of eligibility according to VA guidelines.
• If there are conflicting guidelines, the stricter one must be followed.

Property Requirements

• The property must be a single-family, one-unit residence, including approved condos and PUDs.
• Guest houses, granny units, and in-law quarters may qualify.
• Manufactured homes are not allowed.
• Condos must adhere to the guidelines of the first mortgage.
• If there are conflicting guidelines, the stricter one must be followed.

Interest Rate

Understanding Interest Rates

Interest rates can vary based on your financial situation, lender fees, and other factors. They can also change daily. For an accurate quote, consult a CalHFA-approved loan officer.

CalHFA doesn’t lend money directly. Instead, they work through approved lenders who qualify consumers and provide all mortgage loans. Fees may differ depending on the lender and the specific program. You can view sample Annual Percentage Rates (APRs) here.

Homebuyer Education

CalHFA places a high value on homebuyer education and counseling, believing it’s crucial for the success and satisfaction of homeowners. First-time homebuyers using a CalHFA program must complete this education.

Who Needs to Take the Course?

• Only one first-time homebuyer who will live in the home must take the course per loan transaction.

How to Complete the Course

• ONLINE: The only online course accepted by CalHFA is eHome’s eight-hour Homebuyer Education and Counseling course (fee: $99). Other online courses like Frameworks and HomeView are not acceptable because they don’t include a one-hour, one-on-one counseling follow-up session.
• IN-PERSON or VIRTUAL: Attend live Homebuyer Education and Counseling sessions through NeighborWorks America or any HUD-Approved Housing Counseling Agency (fees vary by agency).

How to Apply

Applying for the CalHFA VA Program

CalHFA’s mortgage products are offered through private loan officers who are approved and trained by CalHFA. These loan officers can provide detailed information about the programs and guide you through the home buying process.

To get started, visit the Find a Loan Officer tab and contact a loan officer in your area.

Documents to Have Ready

When contacting a loan officer, having the following documents ready can help speed up the process:

• Pay stubs
• Bank statements
• Employment history
• Previous tax returns

Download our My First Home Down Payment and Closing Cost Assistance Program Handbook  https://homesinsdcounty.com/myhome-home-purchase-assistance-program-payment-handbook-and-guide/

Combining CalHFA VA and USDA Programs

For those looking to maximize their home financing options, consider combining the CalHFA VA program with the CalHFA USDA loan program. This combination can offer additional benefits and flexibility for eligible borrowers, particularly in rural areas. The CalHFA USDA program provides a zero down payment option, which can be a significant advantage for homebuyers.

To understand how you can leverage both programs, check out our detailed video explanation. This video covers the eligibility criteria, application process, and benefits of using the CalHFA USDA loan alongside the CalHFA VA program.

Watch the video here to learn more about combining these powerful home financing options.

🏡

🏡 HomesinSDCounty: Your Trusted Real Estate Partner—Local Roots, Nationwide Reach

Brad & Karen Mattonen Coldwell Banker West
San Diego Riverside Orange County Desert Communities
📞 858-518-2875 🌐 www.homesinsdcounty.com
Top 5 Market Experts in San Diego
Ethical. Compassionate. Relentless. Results-Driven.

💼 What We Specialize In

🔹 Probate, Trust & Estate Sales
🔹 Pre-Foreclosure & Distressed Properties
🔹 First-Time Buyers, Luxury Estates, Residential & Commercial
🔹 Strategic Negotiation for Buyers & Seller

Why Work With Us?

✔️ We navigate your sale or purchase with precision—prioritizing legal compliance, safety, and protection
✔️ We help you spot risks and blind spots that others often miss
✔️ We advocate fiercely to optimize your outcome and safeguard your future
✔️ We don’t do fluff—we deliver results with integrity and strategy

💥 Explore Our Valuable FREE Real Estate Resources

✓ eBooks | ✓ Checklists | ✓ Buying & Selling Guides | ✓ Investor Tools
→ Visit our Resources Page to download now.

🔗 Follow Us Everywhere!

Get daily market updates, home tours, and no-nonsense real estate advice:

• 📺 YouTube: Subscribe for Weekly Updates
• 👤 Facebook: North County SD Home Sales
• 📸 Instagram: @sandiegocountyhomes
• 📌 Pinterest: San Diego Living & Real Estate
• 🎵 TikTok: @homesinsandiegocounty
• 🐦 X (Twitter): @SDHomesForSale
• 💼 LinkedIn: Brad Mattonen – Professional Insights

🛫 Relocating? Buying, selling, or relocating in San Diego, Riverside, Orange County—or anywhere in the U.S.? We’ve Got You Covered—Nationwide

We’re not just your local experts. and we don’t just work in Southern California—we’re backed by the powerhouse Coldwell Banker National Network and a handpicked team of personally vetted agents across the country. Whether you’re making a move across town or across the country, we ensure a smooth, strategic, and successful experience.

We’ll connect you with an agent we trust—not just someone in the directory.
📲 Message us today and let’s make that move happen.

HomesinSDCounty – Your Smart Move. Wherever Life Takes You.

🛠️ Selling Your Home? Ask Us About RealVitalize

If you need to make improvements, repairs, or updates before you sell—but don’t want to pay upfront costs—RealVitalize is your solution.

Coldwell Banker’s RealVitalize program provides:

• ✅ Professional repairs, updates, and home improvement services
• ✅ No upfront out-of-pocket costs, hidden fees, or interest charges
• ✅ Seller pays back only the amount used—at closing
• ✅ Services available before or during your home listing period
• ✅ Designed to highlight your home’s best features and maximize value

We’ll help you prep your home for sale with zero stress and maximum impact.
📲 Contact us today to learn how RealVitalize can work for you.

A Comprehensive Guide to VA and USDA Loan Combinations for Veteran Homebuyers

The CalHFA VA program offers a VA-insured loan with a fixed interest rate over 30 years, perfect for those seeking stability in their mortgage payments.

CalHFA VA Program

Discover everything you need to know about the CalHFA VA program in the sections below.

Program Eligibility

To see if you qualify for the CalHFA VA Program, review the Borrower and Property Requirements.

Borrower Requirements

• You must live in the property as your main residence; non-occupant co-borrowers are not allowed.
• Complete homebuyer education counseling and get a certificate of completion from an approved organization.
• Meet the income limits set by CalHFA for this program.
• Have a valid certificate of eligibility according to VA guidelines.
• If there are conflicting guidelines, the stricter one must be followed.

Property Requirements

• The property must be a single-family, one-unit residence, including approved condos and PUDs.
• Guest houses, granny units, and in-law quarters may qualify.
• Manufactured homes are not allowed.
• Condos must adhere to the guidelines of the first mortgage.
• If there are conflicting guidelines, the stricter one must be followed.

Interest Rate

Understanding Interest Rates

Interest rates can vary based on your financial situation, lender fees, and other factors. They can also change daily. For an accurate quote, consult a CalHFA-approved loan officer.

CalHFA doesn’t lend money directly. Instead, they work through approved lenders who qualify consumers and provide all mortgage loans. Fees may differ depending on the lender and the specific program. You can view sample Annual Percentage Rates (APRs) here.

Homebuyer Education

CalHFA places a high value on homebuyer education and counseling, believing it’s crucial for the success and satisfaction of homeowners. First-time homebuyers using a CalHFA program must complete this education.

Who Needs to Take the Course?

• Only one first-time homebuyer who will live in the home must take the course per loan transaction.

How to Complete the Course

• ONLINE: The only online course accepted by CalHFA is eHome’s eight-hour Homebuyer Education and Counseling course (fee: $99). Other online courses like Frameworks and HomeView are not acceptable because they don’t include a one-hour, one-on-one counseling follow-up session.
• IN-PERSON or VIRTUAL: Attend live Homebuyer Education and Counseling sessions through NeighborWorks America or any HUD-Approved Housing Counseling Agency (fees vary by agency).

How to Apply

Applying for the CalHFA VA Program

CalHFA’s mortgage products are offered through private loan officers who are approved and trained by CalHFA. These loan officers can provide detailed information about the programs and guide you through the home buying process.

To get started, visit the Find a Loan Officer tab and contact a loan officer in your area.

Documents to Have Ready

When contacting a loan officer, having the following documents ready can help speed up the process:

• Pay stubs
• Bank statements
• Employment history
• Previous tax returns

Download our My First Home Down Payment and Closing Cost Assistance Program Handbook  https://homesinsdcounty.com/myhome-home-purchase-assistance-program-payment-handbook-and-guide/

Combining CalHFA VA and USDA Programs

For those looking to maximize their home financing options, consider combining the CalHFA VA program with the CalHFA USDA loan program. This combination can offer additional benefits and flexibility for eligible borrowers, particularly in rural areas. The CalHFA USDA program provides a zero down payment option, which can be a significant advantage for homebuyers.

To understand how you can leverage both programs, check out our detailed video explanation. This video covers the eligibility criteria, application process, and benefits of using the CalHFA USDA loan alongside the CalHFA VA program.

Watch the video here to learn more about combining these powerful home financing options.

🏡

🏡 HomesinSDCounty: Your Trusted Real Estate Partner—Local Roots, Nationwide Reach

Brad & Karen Mattonen Coldwell Banker West
San Diego Riverside Orange County Desert Communities
📞 858-518-2875 🌐 www.homesinsdcounty.com
Top 5 Market Experts in San Diego
Ethical. Compassionate. Relentless. Results-Driven.

💼 What We Specialize In

🔹 Probate, Trust & Estate Sales
🔹 Pre-Foreclosure & Distressed Properties
🔹 First-Time Buyers, Luxury Estates, Residential & Commercial
🔹 Strategic Negotiation for Buyers & Seller

Why Work With Us?

✔️ We navigate your sale or purchase with precision—prioritizing legal compliance, safety, and protection
✔️ We help you spot risks and blind spots that others often miss
✔️ We advocate fiercely to optimize your outcome and safeguard your future
✔️ We don’t do fluff—we deliver results with integrity and strategy

💥 Explore Our Valuable FREE Real Estate Resources

✓ eBooks | ✓ Checklists | ✓ Buying & Selling Guides | ✓ Investor Tools
→ Visit our Resources Page to download now.

🔗 Follow Us Everywhere!

Get daily market updates, home tours, and no-nonsense real estate advice:

• 📺 YouTube: Subscribe for Weekly Updates
• 👤 Facebook: North County SD Home Sales
• 📸 Instagram: @sandiegocountyhomes
• 📌 Pinterest: San Diego Living & Real Estate
• 🎵 TikTok: @homesinsandiegocounty
• 🐦 X (Twitter): @SDHomesForSale
• 💼 LinkedIn: Brad Mattonen – Professional Insights

🛫 Relocating? Buying, selling, or relocating in San Diego, Riverside, Orange County—or anywhere in the U.S.? We’ve Got You Covered—Nationwide

We’re not just your local experts. and we don’t just work in Southern California—we’re backed by the powerhouse Coldwell Banker National Network and a handpicked team of personally vetted agents across the country. Whether you’re making a move across town or across the country, we ensure a smooth, strategic, and successful experience.

We’ll connect you with an agent we trust—not just someone in the directory.
📲 Message us today and let’s make that move happen.

HomesinSDCounty – Your Smart Move. Wherever Life Takes You.

🛠️ Selling Your Home? Ask Us About RealVitalize

If you need to make improvements, repairs, or updates before you sell—but don’t want to pay upfront costs—RealVitalize is your solution.

Coldwell Banker’s RealVitalize program provides:

• ✅ Professional repairs, updates, and home improvement services
• ✅ No upfront out-of-pocket costs, hidden fees, or interest charges
• ✅ Seller pays back only the amount used—at closing
• ✅ Services available before or during your home listing period
• ✅ Designed to highlight your home’s best features and maximize value

We’ll help you prep your home for sale with zero stress and maximum impact.
📲 Contact us today to learn how RealVitalize can work for you.

A Comprehensive Guide to VA and USDA Loan Combinations for Veteran Homebuyers

The CalHFA VA program offers a VA-insured loan with a fixed interest rate over 30 years, perfect for those seeking stability in their mortgage payments.

CalHFA VA Program

Discover everything you need to know about the CalHFA VA program in the sections below.

Program Eligibility

To see if you qualify for the CalHFA VA Program, review the Borrower and Property Requirements.

Borrower Requirements

• You must live in the property as your main residence; non-occupant co-borrowers are not allowed.
• Complete homebuyer education counseling and get a certificate of completion from an approved organization.
• Meet the income limits set by CalHFA for this program.
• Have a valid certificate of eligibility according to VA guidelines.
• If there are conflicting guidelines, the stricter one must be followed.

Property Requirements

• The property must be a single-family, one-unit residence, including approved condos and PUDs.
• Guest houses, granny units, and in-law quarters may qualify.
• Manufactured homes are not allowed.
• Condos must adhere to the guidelines of the first mortgage.
• If there are conflicting guidelines, the stricter one must be followed.

Interest Rate

Understanding Interest Rates

Interest rates can vary based on your financial situation, lender fees, and other factors. They can also change daily. For an accurate quote, consult a CalHFA-approved loan officer.

CalHFA doesn’t lend money directly. Instead, they work through approved lenders who qualify consumers and provide all mortgage loans. Fees may differ depending on the lender and the specific program. You can view sample Annual Percentage Rates (APRs) here.

Homebuyer Education

CalHFA places a high value on homebuyer education and counseling, believing it’s crucial for the success and satisfaction of homeowners. First-time homebuyers using a CalHFA program must complete this education.

Who Needs to Take the Course?

• Only one first-time homebuyer who will live in the home must take the course per loan transaction.

How to Complete the Course

• ONLINE: The only online course accepted by CalHFA is eHome’s eight-hour Homebuyer Education and Counseling course (fee: $99). Other online courses like Frameworks and HomeView are not acceptable because they don’t include a one-hour, one-on-one counseling follow-up session.
• IN-PERSON or VIRTUAL: Attend live Homebuyer Education and Counseling sessions through NeighborWorks America or any HUD-Approved Housing Counseling Agency (fees vary by agency).

How to Apply

Applying for the CalHFA VA Program

CalHFA’s mortgage products are offered through private loan officers who are approved and trained by CalHFA. These loan officers can provide detailed information about the programs and guide you through the home buying process.

To get started, visit the Find a Loan Officer tab and contact a loan officer in your area.

Documents to Have Ready

When contacting a loan officer, having the following documents ready can help speed up the process:

• Pay stubs
• Bank statements
• Employment history
• Previous tax returns

Download our My First Home Down Payment and Closing Cost Assistance Program Handbook  https://homesinsdcounty.com/myhome-home-purchase-assistance-program-payment-handbook-and-guide/

Combining CalHFA VA and USDA Programs

For those looking to maximize their home financing options, consider combining the CalHFA VA program with the CalHFA USDA loan program. This combination can offer additional benefits and flexibility for eligible borrowers, particularly in rural areas. The CalHFA USDA program provides a zero down payment option, which can be a significant advantage for homebuyers.

To understand how you can leverage both programs, check out our detailed video explanation. This video covers the eligibility criteria, application process, and benefits of using the CalHFA USDA loan alongside the CalHFA VA program.

Watch the video here to learn more about combining these powerful home financing options.

🏡

🏡 HomesinSDCounty: Your Trusted Real Estate Partner—Local Roots, Nationwide Reach

Brad & Karen Mattonen Coldwell Banker West
San Diego Riverside Orange County Desert Communities
📞 858-518-2875 🌐 www.homesinsdcounty.com
Top 5 Market Experts in San Diego
Ethical. Compassionate. Relentless. Results-Driven.

💼 What We Specialize In

🔹 Probate, Trust & Estate Sales
🔹 Pre-Foreclosure & Distressed Properties
🔹 First-Time Buyers, Luxury Estates, Residential & Commercial
🔹 Strategic Negotiation for Buyers & Seller

Why Work With Us?

✔️ We navigate your sale or purchase with precision—prioritizing legal compliance, safety, and protection
✔️ We help you spot risks and blind spots that others often miss
✔️ We advocate fiercely to optimize your outcome and safeguard your future
✔️ We don’t do fluff—we deliver results with integrity and strategy

💥 Explore Our Valuable FREE Real Estate Resources

✓ eBooks | ✓ Checklists | ✓ Buying & Selling Guides | ✓ Investor Tools
→ Visit our Resources Page to download now.

🔗 Follow Us Everywhere!

Get daily market updates, home tours, and no-nonsense real estate advice:

• 📺 YouTube: Subscribe for Weekly Updates
• 👤 Facebook: North County SD Home Sales
• 📸 Instagram: @sandiegocountyhomes
• 📌 Pinterest: San Diego Living & Real Estate
• 🎵 TikTok: @homesinsandiegocounty
• 🐦 X (Twitter): @SDHomesForSale
• 💼 LinkedIn: Brad Mattonen – Professional Insights

🛫 Relocating? Buying, selling, or relocating in San Diego, Riverside, Orange County—or anywhere in the U.S.? We’ve Got You Covered—Nationwide

We’re not just your local experts. and we don’t just work in Southern California—we’re backed by the powerhouse Coldwell Banker National Network and a handpicked team of personally vetted agents across the country. Whether you’re making a move across town or across the country, we ensure a smooth, strategic, and successful experience.

We’ll connect you with an agent we trust—not just someone in the directory.
📲 Message us today and let’s make that move happen.

HomesinSDCounty – Your Smart Move. Wherever Life Takes You.

🛠️ Selling Your Home? Ask Us About RealVitalize

If you need to make improvements, repairs, or updates before you sell—but don’t want to pay upfront costs—RealVitalize is your solution.

Coldwell Banker’s RealVitalize program provides:

• ✅ Professional repairs, updates, and home improvement services
• ✅ No upfront out-of-pocket costs, hidden fees, or interest charges
• ✅ Seller pays back only the amount used—at closing
• ✅ Services available before or during your home listing period
• ✅ Designed to highlight your home’s best features and maximize value

We’ll help you prep your home for sale with zero stress and maximum impact.
📲 Contact us today to learn how RealVitalize can work for you.

A Comprehensive Guide to VA and USDA Loan Combinations for Veteran Homebuyers

The CalHFA VA program offers a VA-insured loan with a fixed interest rate over 30 years, perfect for those seeking stability in their mortgage payments.

CalHFA VA Program

Discover everything you need to know about the CalHFA VA program in the sections below.

Program Eligibility

To see if you qualify for the CalHFA VA Program, review the Borrower and Property Requirements.

Borrower Requirements

• You must live in the property as your main residence; non-occupant co-borrowers are not allowed.
• Complete homebuyer education counseling and get a certificate of completion from an approved organization.
• Meet the income limits set by CalHFA for this program.
• Have a valid certificate of eligibility according to VA guidelines.
• If there are conflicting guidelines, the stricter one must be followed.

Property Requirements

• The property must be a single-family, one-unit residence, including approved condos and PUDs.
• Guest houses, granny units, and in-law quarters may qualify.
• Manufactured homes are not allowed.
• Condos must adhere to the guidelines of the first mortgage.
• If there are conflicting guidelines, the stricter one must be followed.

Interest Rate

Understanding Interest Rates

Interest rates can vary based on your financial situation, lender fees, and other factors. They can also change daily. For an accurate quote, consult a CalHFA-approved loan officer.

CalHFA doesn’t lend money directly. Instead, they work through approved lenders who qualify consumers and provide all mortgage loans. Fees may differ depending on the lender and the specific program. You can view sample Annual Percentage Rates (APRs) here.

Homebuyer Education

CalHFA places a high value on homebuyer education and counseling, believing it’s crucial for the success and satisfaction of homeowners. First-time homebuyers using a CalHFA program must complete this education.

Who Needs to Take the Course?

• Only one first-time homebuyer who will live in the home must take the course per loan transaction.

How to Complete the Course

• ONLINE: The only online course accepted by CalHFA is eHome’s eight-hour Homebuyer Education and Counseling course (fee: $99). Other online courses like Frameworks and HomeView are not acceptable because they don’t include a one-hour, one-on-one counseling follow-up session.
• IN-PERSON or VIRTUAL: Attend live Homebuyer Education and Counseling sessions through NeighborWorks America or any HUD-Approved Housing Counseling Agency (fees vary by agency).

How to Apply

Applying for the CalHFA VA Program

CalHFA’s mortgage products are offered through private loan officers who are approved and trained by CalHFA. These loan officers can provide detailed information about the programs and guide you through the home buying process.

To get started, visit the Find a Loan Officer tab and contact a loan officer in your area.

Documents to Have Ready

When contacting a loan officer, having the following documents ready can help speed up the process:

• Pay stubs
• Bank statements
• Employment history
• Previous tax returns

Download our My First Home Down Payment and Closing Cost Assistance Program Handbook  https://homesinsdcounty.com/myhome-home-purchase-assistance-program-payment-handbook-and-guide/

Combining CalHFA VA and USDA Programs

For those looking to maximize their home financing options, consider combining the CalHFA VA program with the CalHFA USDA loan program. This combination can offer additional benefits and flexibility for eligible borrowers, particularly in rural areas. The CalHFA USDA program provides a zero down payment option, which can be a significant advantage for homebuyers.

To understand how you can leverage both programs, check out our detailed video explanation. This video covers the eligibility criteria, application process, and benefits of using the CalHFA USDA loan alongside the CalHFA VA program.

Watch the video here to learn more about combining these powerful home financing options.

🏡

🏡 HomesinSDCounty: Your Trusted Real Estate Partner—Local Roots, Nationwide Reach

Brad & Karen Mattonen Coldwell Banker West
San Diego Riverside Orange County Desert Communities
📞 858-518-2875 🌐 www.homesinsdcounty.com
Top 5 Market Experts in San Diego
Ethical. Compassionate. Relentless. Results-Driven.

💼 What We Specialize In

🔹 Probate, Trust & Estate Sales
🔹 Pre-Foreclosure & Distressed Properties
🔹 First-Time Buyers, Luxury Estates, Residential & Commercial
🔹 Strategic Negotiation for Buyers & Seller

Why Work With Us?

✔️ We navigate your sale or purchase with precision—prioritizing legal compliance, safety, and protection
✔️ We help you spot risks and blind spots that others often miss
✔️ We advocate fiercely to optimize your outcome and safeguard your future
✔️ We don’t do fluff—we deliver results with integrity and strategy

💥 Explore Our Valuable FREE Real Estate Resources

✓ eBooks | ✓ Checklists | ✓ Buying & Selling Guides | ✓ Investor Tools
→ Visit our Resources Page to download now.

🔗 Follow Us Everywhere!

Get daily market updates, home tours, and no-nonsense real estate advice:

• 📺 YouTube: Subscribe for Weekly Updates
• 👤 Facebook: North County SD Home Sales
• 📸 Instagram: @sandiegocountyhomes
• 📌 Pinterest: San Diego Living & Real Estate
• 🎵 TikTok: @homesinsandiegocounty
• 🐦 X (Twitter): @SDHomesForSale
• 💼 LinkedIn: Brad Mattonen – Professional Insights

🛫 Relocating? Buying, selling, or relocating in San Diego, Riverside, Orange County—or anywhere in the U.S.? We’ve Got You Covered—Nationwide

We’re not just your local experts. and we don’t just work in Southern California—we’re backed by the powerhouse Coldwell Banker National Network and a handpicked team of personally vetted agents across the country. Whether you’re making a move across town or across the country, we ensure a smooth, strategic, and successful experience.

We’ll connect you with an agent we trust—not just someone in the directory.
📲 Message us today and let’s make that move happen.

HomesinSDCounty – Your Smart Move. Wherever Life Takes You.

🛠️ Selling Your Home? Ask Us About RealVitalize

If you need to make improvements, repairs, or updates before you sell—but don’t want to pay upfront costs—RealVitalize is your solution.

Coldwell Banker’s RealVitalize program provides:

• ✅ Professional repairs, updates, and home improvement services
• ✅ No upfront out-of-pocket costs, hidden fees, or interest charges
• ✅ Seller pays back only the amount used—at closing
• ✅ Services available before or during your home listing period
• ✅ Designed to highlight your home’s best features and maximize value

We’ll help you prep your home for sale with zero stress and maximum impact.
📲 Contact us today to learn how RealVitalize can work for you.

A Comprehensive Guide to VA and USDA Loan Combinations for Veteran Homebuyers

The CalHFA VA program offers a VA-insured loan with a fixed interest rate over 30 years, perfect for those seeking stability in their mortgage payments.

CalHFA VA Program

Discover everything you need to know about the CalHFA VA program in the sections below.

Program Eligibility

To see if you qualify for the CalHFA VA Program, review the Borrower and Property Requirements.

Borrower Requirements

• You must live in the property as your main residence; non-occupant co-borrowers are not allowed.
• Complete homebuyer education counseling and get a certificate of completion from an approved organization.
• Meet the income limits set by CalHFA for this program.
• Have a valid certificate of eligibility according to VA guidelines.
• If there are conflicting guidelines, the stricter one must be followed.

Property Requirements

• The property must be a single-family, one-unit residence, including approved condos and PUDs.
• Guest houses, granny units, and in-law quarters may qualify.
• Manufactured homes are not allowed.
• Condos must adhere to the guidelines of the first mortgage.
• If there are conflicting guidelines, the stricter one must be followed.

Interest Rate

Understanding Interest Rates

Interest rates can vary based on your financial situation, lender fees, and other factors. They can also change daily. For an accurate quote, consult a CalHFA-approved loan officer.

CalHFA doesn’t lend money directly. Instead, they work through approved lenders who qualify consumers and provide all mortgage loans. Fees may differ depending on the lender and the specific program. You can view sample Annual Percentage Rates (APRs) here.

Homebuyer Education

CalHFA places a high value on homebuyer education and counseling, believing it’s crucial for the success and satisfaction of homeowners. First-time homebuyers using a CalHFA program must complete this education.

Who Needs to Take the Course?

• Only one first-time homebuyer who will live in the home must take the course per loan transaction.

How to Complete the Course

• ONLINE: The only online course accepted by CalHFA is eHome’s eight-hour Homebuyer Education and Counseling course (fee: $99). Other online courses like Frameworks and HomeView are not acceptable because they don’t include a one-hour, one-on-one counseling follow-up session.
• IN-PERSON or VIRTUAL: Attend live Homebuyer Education and Counseling sessions through NeighborWorks America or any HUD-Approved Housing Counseling Agency (fees vary by agency).

How to Apply

Applying for the CalHFA VA Program

CalHFA’s mortgage products are offered through private loan officers who are approved and trained by CalHFA. These loan officers can provide detailed information about the programs and guide you through the home buying process.

To get started, visit the Find a Loan Officer tab and contact a loan officer in your area.

Documents to Have Ready

When contacting a loan officer, having the following documents ready can help speed up the process:

• Pay stubs
• Bank statements
• Employment history
• Previous tax returns

Download our My First Home Down Payment and Closing Cost Assistance Program Handbook  https://homesinsdcounty.com/myhome-home-purchase-assistance-program-payment-handbook-and-guide/

Combining CalHFA VA and USDA Programs

For those looking to maximize their home financing options, consider combining the CalHFA VA program with the CalHFA USDA loan program. This combination can offer additional benefits and flexibility for eligible borrowers, particularly in rural areas. The CalHFA USDA program provides a zero down payment option, which can be a significant advantage for homebuyers.

To understand how you can leverage both programs, check out our detailed video explanation. This video covers the eligibility criteria, application process, and benefits of using the CalHFA USDA loan alongside the CalHFA VA program.

Watch the video here to learn more about combining these powerful home financing options.

🏡

🏡 HomesinSDCounty: Your Trusted Real Estate Partner—Local Roots, Nationwide Reach

Brad & Karen Mattonen Coldwell Banker West
San Diego Riverside Orange County Desert Communities
📞 858-518-2875 🌐 www.homesinsdcounty.com
Top 5 Market Experts in San Diego
Ethical. Compassionate. Relentless. Results-Driven.

💼 What We Specialize In

🔹 Probate, Trust & Estate Sales
🔹 Pre-Foreclosure & Distressed Properties
🔹 First-Time Buyers, Luxury Estates, Residential & Commercial
🔹 Strategic Negotiation for Buyers & Seller

Why Work With Us?

✔️ We navigate your sale or purchase with precision—prioritizing legal compliance, safety, and protection
✔️ We help you spot risks and blind spots that others often miss
✔️ We advocate fiercely to optimize your outcome and safeguard your future
✔️ We don’t do fluff—we deliver results with integrity and strategy

💥 Explore Our Valuable FREE Real Estate Resources

✓ eBooks | ✓ Checklists | ✓ Buying & Selling Guides | ✓ Investor Tools
→ Visit our Resources Page to download now.

🔗 Follow Us Everywhere!

Get daily market updates, home tours, and no-nonsense real estate advice:

• 📺 YouTube: Subscribe for Weekly Updates
• 👤 Facebook: North County SD Home Sales
• 📸 Instagram: @sandiegocountyhomes
• 📌 Pinterest: San Diego Living & Real Estate
• 🎵 TikTok: @homesinsandiegocounty
• 🐦 X (Twitter): @SDHomesForSale
• 💼 LinkedIn: Brad Mattonen – Professional Insights

🛫 Relocating? Buying, selling, or relocating in San Diego, Riverside, Orange County—or anywhere in the U.S.? We’ve Got You Covered—Nationwide

We’re not just your local experts. and we don’t just work in Southern California—we’re backed by the powerhouse Coldwell Banker National Network and a handpicked team of personally vetted agents across the country. Whether you’re making a move across town or across the country, we ensure a smooth, strategic, and successful experience.

We’ll connect you with an agent we trust—not just someone in the directory.
📲 Message us today and let’s make that move happen.

HomesinSDCounty – Your Smart Move. Wherever Life Takes You.

🛠️ Selling Your Home? Ask Us About RealVitalize

If you need to make improvements, repairs, or updates before you sell—but don’t want to pay upfront costs—RealVitalize is your solution.

Coldwell Banker’s RealVitalize program provides:

• ✅ Professional repairs, updates, and home improvement services
• ✅ No upfront out-of-pocket costs, hidden fees, or interest charges
• ✅ Seller pays back only the amount used—at closing
• ✅ Services available before or during your home listing period
• ✅ Designed to highlight your home’s best features and maximize value

We’ll help you prep your home for sale with zero stress and maximum impact.
📲 Contact us today to learn how RealVitalize can work for you.

A Comprehensive Guide to VA and USDA Loan Combinations for Veteran Homebuyers

The CalHFA VA program offers a VA-insured loan with a fixed interest rate over 30 years, perfect for those seeking stability in their mortgage payments.

CalHFA VA Program

Discover everything you need to know about the CalHFA VA program in the sections below.

Program Eligibility

To see if you qualify for the CalHFA VA Program, review the Borrower and Property Requirements.

Borrower Requirements

• You must live in the property as your main residence; non-occupant co-borrowers are not allowed.
• Complete homebuyer education counseling and get a certificate of completion from an approved organization.
• Meet the income limits set by CalHFA for this program.
• Have a valid certificate of eligibility according to VA guidelines.
• If there are conflicting guidelines, the stricter one must be followed.

Property Requirements

• The property must be a single-family, one-unit residence, including approved condos and PUDs.
• Guest houses, granny units, and in-law quarters may qualify.
• Manufactured homes are not allowed.
• Condos must adhere to the guidelines of the first mortgage.
• If there are conflicting guidelines, the stricter one must be followed.

Interest Rate

Understanding Interest Rates

Interest rates can vary based on your financial situation, lender fees, and other factors. They can also change daily. For an accurate quote, consult a CalHFA-approved loan officer.

CalHFA doesn’t lend money directly. Instead, they work through approved lenders who qualify consumers and provide all mortgage loans. Fees may differ depending on the lender and the specific program. You can view sample Annual Percentage Rates (APRs) here.

Homebuyer Education

CalHFA places a high value on homebuyer education and counseling, believing it’s crucial for the success and satisfaction of homeowners. First-time homebuyers using a CalHFA program must complete this education.

Who Needs to Take the Course?

• Only one first-time homebuyer who will live in the home must take the course per loan transaction.

How to Complete the Course

• ONLINE: The only online course accepted by CalHFA is eHome’s eight-hour Homebuyer Education and Counseling course (fee: $99). Other online courses like Frameworks and HomeView are not acceptable because they don’t include a one-hour, one-on-one counseling follow-up session.
• IN-PERSON or VIRTUAL: Attend live Homebuyer Education and Counseling sessions through NeighborWorks America or any HUD-Approved Housing Counseling Agency (fees vary by agency).

How to Apply

Applying for the CalHFA VA Program

CalHFA’s mortgage products are offered through private loan officers who are approved and trained by CalHFA. These loan officers can provide detailed information about the programs and guide you through the home buying process.

To get started, visit the Find a Loan Officer tab and contact a loan officer in your area.

Documents to Have Ready

When contacting a loan officer, having the following documents ready can help speed up the process:

• Pay stubs
• Bank statements
• Employment history
• Previous tax returns

Download our My First Home Down Payment and Closing Cost Assistance Program Handbook  https://homesinsdcounty.com/myhome-home-purchase-assistance-program-payment-handbook-and-guide/

Combining CalHFA VA and USDA Programs

For those looking to maximize their home financing options, consider combining the CalHFA VA program with the CalHFA USDA loan program. This combination can offer additional benefits and flexibility for eligible borrowers, particularly in rural areas. The CalHFA USDA program provides a zero down payment option, which can be a significant advantage for homebuyers.

To understand how you can leverage both programs, check out our detailed video explanation. This video covers the eligibility criteria, application process, and benefits of using the CalHFA USDA loan alongside the CalHFA VA program.

Watch the video here to learn more about combining these powerful home financing options.

🏡

🏡 HomesinSDCounty: Your Trusted Real Estate Partner—Local Roots, Nationwide Reach

Brad & Karen Mattonen Coldwell Banker West
San Diego Riverside Orange County Desert Communities
📞 858-518-2875 🌐 www.homesinsdcounty.com
Top 5 Market Experts in San Diego
Ethical. Compassionate. Relentless. Results-Driven.

💼 What We Specialize In

🔹 Probate, Trust & Estate Sales
🔹 Pre-Foreclosure & Distressed Properties
🔹 First-Time Buyers, Luxury Estates, Residential & Commercial
🔹 Strategic Negotiation for Buyers & Seller

Why Work With Us?

✔️ We navigate your sale or purchase with precision—prioritizing legal compliance, safety, and protection
✔️ We help you spot risks and blind spots that others often miss
✔️ We advocate fiercely to optimize your outcome and safeguard your future
✔️ We don’t do fluff—we deliver results with integrity and strategy

💥 Explore Our Valuable FREE Real Estate Resources

✓ eBooks | ✓ Checklists | ✓ Buying & Selling Guides | ✓ Investor Tools
→ Visit our Resources Page to download now.

🔗 Follow Us Everywhere!

Get daily market updates, home tours, and no-nonsense real estate advice:

• 📺 YouTube: Subscribe for Weekly Updates
• 👤 Facebook: North County SD Home Sales
• 📸 Instagram: @sandiegocountyhomes
• 📌 Pinterest: San Diego Living & Real Estate
• 🎵 TikTok: @homesinsandiegocounty
• 🐦 X (Twitter): @SDHomesForSale
• 💼 LinkedIn: Brad Mattonen – Professional Insights

🛫 Relocating? Buying, selling, or relocating in San Diego, Riverside, Orange County—or anywhere in the U.S.? We’ve Got You Covered—Nationwide

We’re not just your local experts. and we don’t just work in Southern California—we’re backed by the powerhouse Coldwell Banker National Network and a handpicked team of personally vetted agents across the country. Whether you’re making a move across town or across the country, we ensure a smooth, strategic, and successful experience.

We’ll connect you with an agent we trust—not just someone in the directory.
📲 Message us today and let’s make that move happen.

HomesinSDCounty – Your Smart Move. Wherever Life Takes You.

🛠️ Selling Your Home? Ask Us About RealVitalize

If you need to make improvements, repairs, or updates before you sell—but don’t want to pay upfront costs—RealVitalize is your solution.

Coldwell Banker’s RealVitalize program provides:

• ✅ Professional repairs, updates, and home improvement services
• ✅ No upfront out-of-pocket costs, hidden fees, or interest charges
• ✅ Seller pays back only the amount used—at closing
• ✅ Services available before or during your home listing period
• ✅ Designed to highlight your home’s best features and maximize value

We’ll help you prep your home for sale with zero stress and maximum impact.
📲 Contact us today to learn how RealVitalize can work for you.

A Comprehensive Guide to VA and USDA Loan Combinations for Veteran Homebuyers

The CalHFA VA program offers a VA-insured loan with a fixed interest rate over 30 years, perfect for those seeking stability in their mortgage payments.

CalHFA VA Program

Discover everything you need to know about the CalHFA VA program in the sections below.

Program Eligibility

To see if you qualify for the CalHFA VA Program, review the Borrower and Property Requirements.

Borrower Requirements

• You must live in the property as your main residence; non-occupant co-borrowers are not allowed.
• Complete homebuyer education counseling and get a certificate of completion from an approved organization.
• Meet the income limits set by CalHFA for this program.
• Have a valid certificate of eligibility according to VA guidelines.
• If there are conflicting guidelines, the stricter one must be followed.

Property Requirements

• The property must be a single-family, one-unit residence, including approved condos and PUDs.
• Guest houses, granny units, and in-law quarters may qualify.
• Manufactured homes are not allowed.
• Condos must adhere to the guidelines of the first mortgage.
• If there are conflicting guidelines, the stricter one must be followed.

Interest Rate

Understanding Interest Rates

Interest rates can vary based on your financial situation, lender fees, and other factors. They can also change daily. For an accurate quote, consult a CalHFA-approved loan officer.

CalHFA doesn’t lend money directly. Instead, they work through approved lenders who qualify consumers and provide all mortgage loans. Fees may differ depending on the lender and the specific program. You can view sample Annual Percentage Rates (APRs) here.

Homebuyer Education

CalHFA places a high value on homebuyer education and counseling, believing it’s crucial for the success and satisfaction of homeowners. First-time homebuyers using a CalHFA program must complete this education.

Who Needs to Take the Course?

• Only one first-time homebuyer who will live in the home must take the course per loan transaction.

How to Complete the Course

• ONLINE: The only online course accepted by CalHFA is eHome’s eight-hour Homebuyer Education and Counseling course (fee: $99). Other online courses like Frameworks and HomeView are not acceptable because they don’t include a one-hour, one-on-one counseling follow-up session.
• IN-PERSON or VIRTUAL: Attend live Homebuyer Education and Counseling sessions through NeighborWorks America or any HUD-Approved Housing Counseling Agency (fees vary by agency).