Mortgage Education

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DBO provides information and resources regarding homeownership and the home-buying process, loan modifications, foreclosure prevention, mortgage fraud, and mortgage-related scams.

Information for First-Time Homebuyers from the California Housing Finance Agency (CalHFA)

CalHFA understands buying your first home is both a huge responsibility and a huge opportunity. Owning your home means you can paint the walls with your favorite color, plant flowers and vegetables if you choose and plant the seed for an investment in your future. Of course, before you leap into homeownership, you should get prepared first. To help you get ready and get the most out of CalHFA’s loan programs and assistance, follow these easy steps.

Not a first-time homebuyer?

  • You may still apply for CalHFA’s first mortgage loans if your property is located in a Targeted Area.
  • Are you experiencing financial hardship and having difficulties making your mortgage payment? Visit CalHFA's Hardship Assistance Page to view options available to you.