Home Purchase Price	$450,000	$400,000	$350,000	$300,000	$250,000
Conventional Bank Financing: 100% adjustable rate mortgage* at 8.5% (APR). The mortgage payment for the first two years would be: *An adjustable rate mortgages usually has a life cap increase of 6% from the start rate. In this example the future rate could go up to 8.5% + 6% or a total potential mortgage interest rate of 114.5%.	$3,406	$3,075	$2,691	$2,306	$1,922
CalHFA Financing: 100% fixed rate mortgage at 6.78% (APR). The mortgage payment for the life of the loan would be: With a fixed rate mortgage the interest rate does not go up for the life of the loan. As interest rates rise you mortgage interest rate will not increase.	$2,633	$2,341	$2,048	$1,755	$1,463
Monthly Savings Using CalHFA Financing	$773	$734	$643	$551	$459
Yearly Savings Using CalHFA Financing	$9,276	$8,808	$7,116	$6,612	$5,508

Preliminary requirements to qualify for the CalHFA programs are:

Combined gross monthly income of at least $5,000.
No Bankruptcy in the last two years
Applicants plan on living in the property

If you can say yes to the above preliminary requirements, you have a very good chance to qualify for the CalHFA programs. Fill out and submit the application below and we will contact with you within 48 hours to inform you what price home you could qualify for and verify your email address so we can start sending you listings of properties for sale in your price range and the areas you want to live.

Department of Real Estate Bulletin Announcing CalHFA: click here

Mayor of Los Angeles Announces CalHFA in the L.A. area: click here

In 2004 the CalHFA program was used by 6,576 Californian families to buy homes: click here.

** There are minimum/maximum income, credit and property location requirements for the CalHFA programs. If you would like more information about CalHFA, click here.

First Applicant (Please complete all fields)
	I'm interested in financing to: (Select an Option)
	First Name: Last Name: Daytime Phone: Evening Phone: Fax:	EMail: We Can Not Respond Unless Your EMail Is Correct! Street Address: City: State/Province: Zip/Postal Code:
	Where do you want to live? (Select multiple areas by holding the Ctrl key)	Total Gross Monthly Income for the first applicant: $ Total Monthly Expenses for the first applicant, not including rent, utilities, insurance payments etc.: $ Social Security Number: Type of income: (Make multiple selections by holding the Ctrl key)

Second Applicant (Please complete all fields)
	First Name: Last Name: Daytime Phone: Evening Phone: Fax:	EMail: Street Address: City: State/Province: Zip/Postal Code:
	Total Gross Monthly Income for the second applicant: $ Total Monthly Expenses for the second applicant, not including rent, utilities, insurance payments etc.: $	Social Security Number: Type of income: (Make multiple selections by holding the Ctrl key)

Comments:

Yes	I hereby give my consent to have my credit report secured from any credit reporting agency which you designate.

Read the important notice below..............

If you do not receive back an email notification within 5 minutes after pressing

the Submit button, you incorrectly entered your email address into the above

application. You will need to fill out and submit the above application again with

the corrected email address so we can confirm that your email address is correct

and active. We will only process applications with email addresses that are

confirmed as correct and active.

We will only process applications with email addresses that are

confirmed as correct and active.

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