For First-Time & Next-Time Buyers
You may need far less than 20% down
Real, current programs available to qualified California buyers — not just first-timers. Here's what actually exists, explained plainly, and what to expect working with me as your buyer's agent.
Down Payment Programs
Three real paths to a lower down payment
Program terms and eligibility change — this is an overview to start the conversation, not a loan offer. I'll help you figure out which one actually fits your situation, and connect you with a licensed loan officer to confirm.
3.5% DOWN
FHA Loan
Credit score 580+. 10% down required for scores 500–579. Down payment is calculated on the lesser of price or appraised value.
3% DOWN
Conventional (HomeReady / Home Possible)
Fannie Mae & Freddie Mac programs, 620+ credit score. Not limited to first-time buyers. PMI is cancellable once you build equity — unlike most FHA premiums.
UP TO 3.5%
CalHFA MyHome Assistance
A deferred-payment second loan — no payments due until you sell, refinance, or pay off the home. Requires first-time-buyer status and a homebuyer education course.
Program terms change and eligibility depends on your specific financial profile — these are general program mechanics, not a loan offer or guarantee of qualification. CalHFA also offers the Zero Interest Program (ZIP) for closing costs and MyAccess for eligible borrowers with a disability; confirm current availability directly with a licensed loan officer. William is not a lender and does not originate loans.
What To Expect
Working with me as your buyer's agent
A straightforward process, start to close — no pressure to move faster than you're ready to.
Start Here
Get a free, no-pressure buyer consultation
Tell me where you're at and I'll reach out personally with next steps — whether that's a lender referral, a list of homes to watch, or just answering your questions.
- 01No obligation, no pressure
- 02A straight read on what you'd actually qualify for
- 03Direct line to me — no middleman