CalHFA 1st mortgage + CHDAP 2nd mortgage = 99% LTV or 1% downpayment loan for California First Time Home Buyers. Here’s how it works: CalHFA (California Housing Finance agency) FHA loan offers financing up to 96.5%. California Homebuyer’s down payment assistance program (CHDAP) provides a deferred payment junior loan (2nd mortgage) up to 3% of […]

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