Find out if you qualify for up to 6.5% down payment

Average time to get pre-qualification
1 0 min
Average days to close

Cal HFA Loans

For low to moderate-income families. Save thousands on upfront closing costs. More lenient credit scoring compared to conventional loans.

  • Down Payment Assistance **
  • 0% interest down payment assistance (ZIP)
  • FHA-insured first mortgage 
  • Fixed interest rate up to 30 years
  • Can be combined with ECTP, MCC Tax Credit, or MyHome Assistance Program
  • Owner-occupied properties

Chenoa Fund Edge (DPA)

Peoples Mortgage Company has partnered with a Down Payment Assistance program which offers FHA homebuyers up to 3.5% to use towards your down payment or closing costs. *

 There is a 620 minimum credit score.  Non-occupant co-borrowers–okay! This program isn’t only for first time home buyers.  Also, homebuyer education isn’t required for borrowers with > 640 credit score.

First Time Home Buyer Programs

Down payment assistance and special incentives for California’s 1st time home buyers. Multiple programs available now!

Qualification Benefits

Chad Fonagy

Senior Loan Originator

Peoples Mortgage is where I can best serve my customers.

As a Loan Officer, I have access to a variety of investors, extensive loan programs, and competitive rates. Coupled with a superior internal support staff here at Peoples Mortgage, I have confidence that I can help you to get your deal done.

I take great pride in building long-term, trusting relationships with my clients. Whether you are purchasing a new home or refinancing an existing mortgage, you can expect the same straightforward and exceptional service!

I appreciate the opportunity to work with you!




Licensing Information

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* Assistance is in the form of a forgivable or fully repayable 2nd mortgage.No AMI county income restrictions on the fully repayable down payment assistance funds.

** Call for full program details and to check rates and eligibility. Must attend the Homebuyer Education Course. Owner-occupied properties only. Assistance is in the form of a low to zero-interest second mortgage. 10/1/19