Is first-time always FHA?

Name: Francisco Williams — Mortgage Broker
Address: 552 E Badillo St, Covina, CA, 91723, US
Telephone: (213) 880-8107
Price range: $$

No. Conventional 3% and CalHFA layers exist. Condo and income caps decide.

Borrowers

First-time buyers. Down payment is a map, not a brick wall.

First-time in California usually means FHA, HomeReady, or a CalHFA layer — plus a county or city DPA if income and the city match. I will not send you to a closed grant.

Let's sort this Typical documents (213) 880-8107

/guides/first-time-buyer-california
/down-payment-assistance
/resources/california-loan-limits-2026

First-time guide DPA directory

Is first-time always FHA?: No. Conventional 3% and CalHFA layers exist. Condo and income caps decide.

Not an approval. Not a rate. Overlay at lock. NMLS #1858674.