California First Time Home Buyer Loan Programs

Pacific Home Loans offers many California first time home buyer loan programs that will ensure you have the best possible chance to get pre-qualified to buy your first home or condo!

Pacific Home Loans offers the following loan programs that are ideal for the First Time Home Buyer: Home Ready™, Home Possible®, FHA, USDA, and VA.

california first time home buyer

Home Ready™ – Qualify for a lower rate with as little as 3% down

Home Possible® – Qualify for a lower rate with as little as 3% down

FHA – Down Payments as low as 3.5%

USDA – 0% Down available on eligible rural properties for low to moderate income buyers.

VA – 0% Down for Veterans up to $453,100* and loan amounts up to $1,000.000.

*California loan limits apply.

Buying a home or condo is a big deal, whether you’re doing it for the first time or getting back into the ever-changing market. We want you to navigate through all the steps of the process feeling informed and confident. That’s why we partnered with Framework, a leading provider of online home buyer education. Learn more about our Home Buyer Counseling.