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 teachers and educators across every metro in the state. $0 lender fees for first responders. The income-structuring expertise national lenders skip on teacher or educator files.
California runs powerful but allocation-based DPA — CalHFA MyHome and Dream For All. The win for teachers and educators 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 teachers and educators 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 teachers and educators 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 Teachers & Educators 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 teachers and educators with 1099 side income. Every California school has one.
Teachers paid on a 10-month schedule (e.g., 10 monthly checks Aug-May with no summer income) face a continuity question that 12-month teachers don't. We document the contract — annual salary divided into 10 vs 12 payments doesn't change the qualifying income; it's the same annual contract amount either way. We pre-frame the file so underwriting doesn't bounce it for 'income gaps' in summer months.
Athletic coaching, club sponsorships, after-school program leads — each one adds a documented stipend on top of base salary. A 24-month history of consistent stipends counts toward qualifying income. We attach the school's stipend matrix to the file.
Summer school, summer camp, ESL summer programs, and intersession teaching all count as qualifying income with a 24-month trailing pattern. National lenders frequently miss this because they don't ask.
Most districts pay differentials for advanced degrees (MS, MEd, EdD), National Board Certification, and accumulated continuing-ed credits. These are baseline income additions — we document them and submit them as recurring income.
First-year teachers often face continuity-of-employment pushback. We document the contract + prior related work (student teaching, paraprofessional time, military, related degree) to satisfy continuity rules without a 1-2 year delay.
We close mortgages in every California county. The cities and metros where California teachers and educators most commonly buy:
No, if the file is documented correctly. Your annual contract amount is the same whether you're paid in 10 monthly installments (Aug-May) or 12 (Sept-Aug). We document the contract, pre-frame the gap in summer pay so underwriting doesn't bounce it, and qualify you on the annual contract amount.
Yes, with a 24-month history. Athletic coaching, club sponsorships, summer school, and intersession teaching all count toward qualifying income when documented. We attach the district's stipend matrix to the file so underwriting reads them as recurring income, not one-off bonuses.
Yes. K-12 public school teachers are eligible for the GNND program — 50% off the list price on HUD-owned properties in designated revitalization areas, with a 36-month occupancy commitment. We screen GNND inventory weekly for our teacher files.
If you're a California teacher or educator — active, retired, or family of — we know how to structure your file. No documents required to start. No commitment.