Helping Military and Civilian families realize the dream of homeownership since 1990

Laura Borja- Home Loan expert- NMLS 199107

Down payment assistance and closing grants are offered by State, County and City organizations to help individuals and families to become homeowners.

 

The programs available vary depending on the location of the property. Most are geared towards First Time Home Buyers (those that have not owned any property in 3 years) but there are programs available for those who are repeat buyers.

 

Some of the programs are funded first come first served basis so it is always important to confirm that funds are available before you begin the process.

Visit the Down Payment Assistance Website for Additional Information and Resources

CalHFA - California Housing and Finance Agency

First  Mortgages with lower rated and expended  qualifying guidelines

Silent seconds

Grants that can be used toward closing costs

 

City of San Diego Housing Commission–

Closing cost grants which do not have to be paid back if homeowner lives in the property for at least 7 years

Silent second mortgages with no monthly payments due(balance due upon sale or after 30 years). MCC also available.  Property must be within the City of San Diego limits.

 

County of San Diego-

Silent second mortgages with no monthly payments due (balance due upon sale or after 30 years. The County Program also services the following cities: Carlsbad, Coronado, Del Mar, Encinitas, Imperial Beach, La Mesa, Lemon Grove, Poway, San Marcos, Santee, Solana Beach, Vista

 

Mortgage Credit Certificates

Tax credit for additional tax write off on Federal Taxes

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Laura Borja- Home Loan expert- NMLS 199107
Laura Borja- Home Loan expert- NMLS 199107
Laura Borja- Home Loan expert- NMLS 199107