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About Us
DFA program

Are you looking for a way to buy that first home?

We have the answer!

Dreaming of owning your own home in California? The CALHFA Dream Loan can help make it a reality! With low down payment requirements and competitive interest rates, our Dream Loan program can make homeownership more affordable for first-time buyers.

The CalHFA Dream for All (DFA) Shared Appreciation loan is an assistance program designed to help first-time homebuyers with down payment and/or closing costs, when used alongside the Dream For All Conventional first mortgage. This program is available starting March 27, 2023.

The down payment assistance is up to 20% of the sale price or the appraised value, whichever is less.

Upon sale or transfer of the home, the homebuyer repays the original down payment loan, plus a share of the appreciation in the value of the home.

Call today to find out if you qualify for the
"CA Dream For All" program from CalHFA!

Eligibility & Qualifying Criteria

  • First time homebuyer
  • Minimum Credit Score: 660
  • Maximum Debt-to-Income Ratio: Up to 50%*
  • Property Type: SFR, Condo, Manufactured home
  • Min/Max CLTV: 70%/105%
  • Non-occupied co-signers not allowed
  • CalHFA homebuyer education course required
  • One year home warranty required
  • Cannot be combined with CalPLUS ZIP or MyHome Assistance

Additional Features & Info

  • Homebuyers only make payments once they sell, refinance, or transfer the property
  • The program includes a subordinate second mortgage, down payment and closing cost assistance, and an effective interest rate on loans equal to the average annual home value appreciation
  • Homebuyers are expected to complete a brief educational program

Dream for All is an excellent program that allows low- and moderate-income Californians to achieve affordable homeownership.

1090 Adams St. Suite L. Benicia, CA. 94510 | (707) 486-2860
Branch NMLS# 868499
Licensed in California, Nevada and Oregon

Mitchell Chernock NMLS 236204
CA.DRE: 00583404/01215943

Licensed by the Dept. of Business Oversight under the CRMLA
Company NMLS#1850

Equal Housing Opportunity

© 2020 American Pacific Mortgage Corporation. For informational purposes only. No guarantee of accuracy is expressed or implied. Programs shown may not include all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions may apply. Equal Housing Opportunity.