Things to Know Before You Purchase a Home

First Time Home Buyers

If you are a first-time homebuyer CalHFA offers below market interest rate first mortgage programs and a variety of down payment assistance programs to eligible first-time homebuyers, which can turn your dreams of homeownership into reality. If you'd like to contact a CalHFA Homeownership Representative for more information on our programs, call 877.9.CalHFA (877.922.5432) or visit this website:


Best Financing Deal

The FDIC offers helpful tips about shopping around for a home loan or mortgage to help you to get the best financing deal:


If you are considering a nontraditional mortgage loan, the FDIC has published a new brochure that can help you make more informed choices:

The FDIC also provides helpful information about home equity loans:

Check the License Status of Any Mortgage Broker or Lender

Know who you are doing business with before you sign on the dotted line. With just one click you can check the license status of any mortgage broker or lender licensed by the State of California (even if you have no idea which department licensed them). (Helpful tip: if you are looking up an individual, type their last name followed by a comma and then their first name like this: smith, john.):

California Real Estate & Financial Services License Status Check

Housing Assistance for Veterans

The U.S. Department of Veterans Affairs helps veterans with their housing needs. Click here for more information:

VA Homeloans

Purchasing Insurance

Department of Insurance offers helpful tips on what insurance to purchase for your home.

California Department of Insurance

Insurance Information Network of California has brochures on what every homeowner should know before purchasing home insurance.

Check the License Status of Any Real Estate Agent

Department of Real Estate Check a License

Homeowner Association

  • The Center for California Homeowner Association Law
    Center for California Homeowner Association Law