Down Payment Assistance Loans

CALHFA FHA

  • Up to 3.5% Down Payment Assistance*
  • $0 Down with 3.5% DPA*
  • 640 Middle Credit Score
  • Occupying and Non Occupying Borrowers allowed
  • 30 Year Fixed Loans
  • NO Pre payment penalties
  • NO Assets in the Bank required

CALHFA FHA Combined w/ Zip

  • Up to 3.5% Down Payment Assistance*
  • Up to 4% For Closing Costs*

$0 Money Down & $0 Closing Costs
W/ CALHFA Plus ZIP
W/ CALHFA FHA ZIP

CALHFA Plus

  • Up to 3.5% Down Payment Assistance*
  • $0 Down with 3.5% DPA*
  • 640 Middle Credit Score
  • 30 Year Fixed Loans
  • NO Pre payment penalties
  • NO Assets in the Bank required

CALHFA Plus Combined w/ Zip

  • Up to 3.5% Down Payment Assistance*
  • Up to 4% For Closing Costs*

$0 Money Down & $0 Closing Costs
W/ CALHFA Plus ZIP
W/ CALHFA FHA ZIP

CALHFA VA w/ Zip

  • $0 Down
  • 640 Middle Credit Score
  • 30 Year Fixed Loans
  • NO Pre payment penalties
  • NO Assets in the Bank required
  • Up to 4% For Closing Costs

$0 Money Down & $0 Closing Costs
W/ CALHFA Plus ZIP
W/ CALHFA FHA ZIP

*DPA and ZIP amounts vary and can be up to the amounts listed above.
*Must be first time homebuyer (No ownership in the past 3 years).
*DAP and ZIP does not always cover all the down payment and/or Closing Costs.

Extra Credit Teacher & Employee Assistance Program (ECTP)

  • Up to 4% Down Payment Assistance*
  • $0 Down with 4% DPA*
  • 640 Middle Credit Score
  • 30 Year Fixed Loans
  • NO Pre payment penalties
  • NO Assets in the Bank required

$0 Money Down & $0 Closing Costs
W/ CALHFA Plus ZIP
W/ CALHFA FHA ZIP

ECTP Combined w/ Zip

  • Up to 4% Down Payment Assistance*
  • Up to 4% For Closing Costs*

$0 Money Down & $0 Closing Costs
W/ CALHFA Plus ZIP
W/ CALHFA FHA ZIP

*DPA and ZIP amounts vary and can be up to the amounts listed above.
*Must be first time homebuyer (No ownership in the past 3 years)
*DAP and ZIP does not always cover all the down payment and/or Closing Costs.

Who Qualifies?

*If California K-12 Public Schools

Harris Mortgage - Salinas Office
422 Salinas Street
Salinas, CA 93901
Office: (831) 769-9400
Fax: (831) 769-9470

NMLS License #353363
DRE #01279430

Harris Mortgage - Visalia Office
827 W. Center Ave, Suite A
Visalia, CA 93291
Office: (559) 500-6469
Fax: (559) 862-4143

Marcell Harris, President/Loan Originator
DRE #01499586 / NMLS #235398
Cell: (831) 809-4347
marcell112@yahoo.com

Isabel Morales, Executive Assistant
Cell: (831) 809-2343
morales.isabel@yahoo.com