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Reach More Clients with Updated CALHFA Programs

CalReady & CalPLUS Access

Coventional & Government

Get ready to grow your business with new CalHFA program updates on Conventional and FHA for First Time Homebuyers!

Highlights

CalHFA and CalReady Programs

CalHFA and CalReady - Conventional Program

  • Conforming Loan Limits
  • SFR and Condos
  • Max LTV 97% / 105%
  • Min Credit Score 680*
  • Max DTI 50%
  • Must be combined with MyHome (2nd lien), FNMA Community Seconds Optional

CalHFA and CalReady - FHA Government Program

  • FHA County Limits
  • SFR and Condos
  • AUS requirements apply – see matrix
  • Max LTV/CLTV 97.5% / 105%
  • Min Credit Score 640*
  • Max DTI 50%
  • Must be combined with MyHome (2nd Lien), FHA Approved Seconds optional for down payment and closing assistance

CalPLUS Access Programs

CalPLUS Access Conventional Program

  • Conforming Loan Limits
  • Loan type: HFA Preferred
  • SFR and condos
  • Max LTV/CLTV 97% / 105%**
  • Min Credit Score 680
  • Max DTI 50%
  • Must be combined with MyAccess (3rd Lien) and MyHome (2nd Lien) for down payment and closing assistance

CalPLUS Access FHA Government Program

  • SFR and Condos
  • Max LTV/CLTV 96.5% / 105%**
  • Min Credit Score 640
  • Max DTI 50%
  • Must be combined with
  • MyAccess (3rd Lien) and MyHome (2nd Lien) for down payment and closing assistance
*Fannie Mae’s Low Income (LI) rate, which is borrowers with income ≤ 80% AMI, has a minimum credit score of 660. **First mortgages in which the total loan amount exceeds $806,500 are considered High Balance Loans. See rate sheet for pricing and fees. LendingPros is not affiliated with or acting on behalf of or at the direction of the Federal Housing Administration or the Federal Government.

© 2025 All rights reserved LendingPros is a registered DBA of OCMBC, Inc. NMLS ID #2125. Equal Housing Lender. All rights reserved. Some products may not be available in all states. Programs and rates are subject to change without notice. Turn time estimates are not warranted or guaranteed. Some restrictions may apply. Underwriting terms and conditions apply and not all applicants will qualify. This is not a commitment to lend. For more licensing information, visit the Nationwide Multistate Licensing System’s Consumer Access website www.nmlsconsumeraccess.org. For our licensing information and lists please visit: Our Licensing page.  Intended for use by real estate and lending professionals only and not for distribution to consumers.