America's Home loans has several options for the first-time home buyer (no homeownership interest in the last 3 years)

Meet theNADA
Nothing down with 100% FHA purchase financing.
One submission. One approval. One closing.

theNADA Financing Highlights:

  • 580 FICO Min
  • Debt to income ratio as high as 56.99
  • Loan Amounts per county limits ($861,350 in Sonoma County)
  • First Time Homebuyer OK
  • Homeowner Education (at least one borrower) required
  • Follows FHA guidelines and Automated Underwriting Guidelines
  • Non-Occupying Co-Borrowers Allowed
  • DACA Borrowers eligible

Dreamhouse Foundation grant

  • FHA only
  • 2% grant toward the 3.5% down payment. This grant is fully forgivable—no repayment required.
  • 580 FICO Min

Cal HFA (California Housing Finance Agency)

  • FHA or conventional
  • Zero Interest (ZIP) second loan – 2% or 3% toward closing costs
  • MyHome Assistance loan to cover down payment

Zip and My Home must eventually be paid back by either the sale of the property or through a refinance.

Apply Now!