# Mortgage Basics

Cal FHA

Cal FHA, also known as the California Housing Finance Agency, is a state agency that provides a range of housing finance programs and services to residents of California. The agency, which was established in 1975, is the largest provider of mortgage financing in California and is a key source of funding for first-time homebuyers, low-income households, and other underserved populations.

One of the key programs offered by Cal FHA is the CalHFA first-time homebuyer program. This program, which is funded by the state of California and the federal government, provides a range of financing options, including low-interest rate mortgages, down payment assistance, and other resources, to help first-time homebuyers achieve their homeownership goals.

Up to
80%
LTV - Purchase
80%
LTV - Rate & Term
75%
LTV - CASH OUT
30 - 40
Year Fixed
IO Options
$250K up to $8M

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# Apply For CAL FHA

California Housing Finance Agency Mortgage Loan

A California FHA mortgage loan is a home loan that a borrower receives from the California Housing Finance Agency (or CHFA). It's available to qualified borrowers, who produce certain documents and pass certain examinations. 

Once they are approved, they can receive up to $417,000 in financing towards their purchase or refinancing of a single-family residence, condo or townhouse.

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650-200-2304

Testimonials

"Kristin Howard is genuinely helpful, knowledgeable, and accommodating. She went out of her way to assist us not once but three times now. Home purchase, home equity loan to update and upgrade our home, and refinance. VA loans she’s hands down the best!"
"I had the absolute pleasure of working with Kristin Howard on three separate deals, and I can confidently say that she is an incredible professional. Each time, Kristin made the entire process seamless, stress-free, and efficient. Her attention to detail, clear communication
"I’ve had the pleasure of working with Kristin Howard for the last two years. She has been a substantial asset to My business, No matter the loan size. She is dedicated to her work and Facilitating the process. If One is trying to obtain commercial financing, Residential, Or
"Outstanding Service and Expertise! I had the pleasure of working with Silvia during my home purchase, and I cannot recommend her highly enough. From the very beginning, Silvia demonstrated exceptional professionalism, expertise, and genuine care for my needs. She took the ti
"I worked with Silvia she was very knowledgeable and creative! Outstanding experience and highly recommended."
"Groves Capital is truly the best in the country. Their team is exceptional, providing outstanding service with unmatched professionalism. Highly recommended!"
"Kristin Howard & Travis Welfle were amazing. They were very responsive and diligent. Kristin walked me through the whole process and made the experience less stressful than I had anticipated. Thank you!"
"I have financed multiple properties with these guys, and it's been amazing every time. The process was seamless. And I got the best possible rate. They are incredibly professional and efficient. Highly recommended."
"John Murdock was such a pleasure to work with he went above and beyond to be sure everything was transparent. He made sure we had the knowledge on what to expect through the loan process. he is definitely an asset to your company. Will definitely use him again when needing f
"We felt very supported in our loan and made the process very easy. Thank you to Chris and his team for the excellent communication and support."

# Apply For CAL FHA

Why Should You Choose Us?

We're here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our simple Hard Money Rate Quote.

  • Customer Focused
  • Minimal Documentation
  • In-Houses Controls
  • Best Loan Services
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650-200-2304
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# Apply Now!

Our Core Purchasing Service

Whether you’re looking to purchase a new home or refinance your existing home,Groves Capital can provide all the help you need.

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