CalHFA MyHome Assistance
Deferred-payment junior loan up to the lesser of 3.5% of purchase price or appraised value. Stackable with CalHFA Conventional or CalHFA FHA first mortgages.
A firefighter-owned mortgage brokerage in Boca Raton, serving California police officers across every metro in the state. $0 lender fees for first responders. The income-structuring expertise national lenders skip on police officer files.
California runs powerful but allocation-based DPA — CalHFA MyHome and Dream For All. The win for police officers here is not a hero-specific program; it's careful timing of MyHome's deferred-payment structure layered with VA (for prior service) or FHA. We watch CalHFA reservations in real-time so a hot file doesn't miss its window.
⚠️ CalHFA programs need real-time funding checks. Dream For All is allocation/voucher-based; MyHome funding cycles. We verify availability on every file before quoting.
This page is for California police officers specifically — buying or refinancing anywhere in the state.
Deferred-payment junior loan up to the lesser of 3.5% of purchase price or appraised value. Stackable with CalHFA Conventional or CalHFA FHA first mortgages.
Shared-appreciation DPA up to 20% of purchase price (capped at $150,000) for first-generation, first-time California buyers. Allocation/voucher-based — funding cycles open and close.
California's first-time buyer first-mortgage programs that pair with MyHome and other DPA layers.
Zero down, no PMI, reduced funding fee for disability-rated veterans. For police officers who served before joining their current field, we structure dual-eligible files that often clear closing with $0 out of pocket.
HUD federal program — 50% off the list price on HUD-owned properties in designated revitalization areas. California Police Officers qualify (program also covers police, EMTs, paramedics, and K-12 teachers). 36-month occupancy commitment. Pairs with FHA financing.
For files that don't fit a DPA program — 3.5% down FHA, 3-5% down conventional, or non-QM bank-statement loans for police officers with 1099 side income. Every California department has one.
Most departments stack shift differentials (overnight, weekend, court) and pay officers for approved off-duty work (special events, traffic, security). Both count when documented over 24 months. National lenders frequently miss the off-duty income because it shows up as separate W-2 entries — we know to ask for it.
Court appearances and overtime are documented but irregular. A 24-month history with consistent annual totals counts as qualifying income. We submit it as recurring income, not a one-time bonus.
K-9, SWAT, narcotics, motorcycle, detective, sergeant grade, language certifications — each one adds to base pay and each one is documentable. We attach the department's pay matrix so underwriting sees the structure, not just a single number.
Probationary officers and recent academy graduates often face pushback on continuity-of-employment rules. We document the academy completion + department offer + prior related work (military, security, criminal justice degree) to satisfy continuity without a 1-2 year delay.
Police pension systems work like fire systems — many states offer DROP. We structure pre-DROP, in-DROP, and post-DROP files the way underwriting wants to see them, not the way the average lender botches them.
We close mortgages in every California county. The cities and metros where California police officers most commonly buy:
Yes — and both are commonly missed by national lenders. With a 24-month history, off-duty special-event pay, court time, and overtime all count toward qualifying income. We've placed California officer files where off-duty income alone moved the loan amount by $70,000–$120,000.
Yes. K-9, SWAT, motor unit, detective grade, language certifications, and rank differentials all count when documented on your paystub or department pay matrix. We attach the matrix to the file so underwriting sees the full structure, not just base salary.
You can usually still qualify. We document the academy completion, the department offer letter, and any prior related work (military, security, criminal justice education) to satisfy continuity-of-employment rules. No 1-2 year wait.
If you're a California police officer — active, retired, or family of — we know how to structure your file. No documents required to start. No commitment.