# Mortgage Basics

Cal FHA

Cal FHA, also known as the California Housing Finance Agency, is a state agency that provides a range of housing finance programs and services to residents of California. The agency, which was established in 1975, is the largest provider of mortgage financing in California and is a key source of funding for first-time homebuyers, low-income households, and other underserved populations.

One of the key programs offered by Cal FHA is the CalHFA first-time homebuyer program. This program, which is funded by the state of California and the federal government, provides a range of financing options, including low-interest rate mortgages, down payment assistance, and other resources, to help first-time homebuyers achieve their homeownership goals.

Up to
80%
LTV - Purchase
80%
LTV - Rate & Term
75%
LTV - CASH OUT
30 - 40
Year Fixed
IO Options
$250K up to $8M

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# Apply For CAL FHA

California Housing Finance Agency Mortgage Loan

A California FHA mortgage loan is a home loan that a borrower receives from the California Housing Finance Agency (or CHFA). It's available to qualified borrowers, who produce certain documents and pass certain examinations. 

Once they are approved, they can receive up to $417,000 in financing towards their purchase or refinancing of a single-family residence, condo or townhouse.

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(866) 382-1466

Testimonials

"Josh Settersten, was AMAZING to work with. Really really good at what he does. Professional, trustworthy, good listener and tries to get you the best deal out there. I learned so much about getting a mortgage from him. He delivered on all fronts. I am glad I had him in my co
"Josh helped tremendously throughout the entire process of purchasing our first home. He was excellent at communicating and overall exceeded our expectations. I would highly recommend working with Josh!"
"I can not say enough great things about Brandon Wunder! Our loan was complicated to say the least, and Brandon and his team were there with me every step of the way! With every problem he communicated and found a way to solve them. I was so nervous about this process and Br
"Groves Capital is the BEST!! Before purchasing my home, I spoke with several brokers and it was such a hassle. I mean seriously, the initial broker I was working with made me want to give up on buying a house entirely.. And then Groves Capital came along! This dream team rea
"Great company and an awesome team to make it happen an easy and smooth process thanks guys."
"I had the great pleasure of working with Josh. Not only was he super accommodating but he helped me every step of the way! For me personally, this was the first time I ever bought a home and I can certainly say that without Josh it would not have been as smooth! Thank you ag
"June An is the best! Super attentive, responds quickly, and is always there for you every step of the way. I’ve used him for both second home loan, primary home refi, and heloc loans and every time has been a wonderful experience. He acquired great rates, handled all of my q

# Apply For CAL FHA

Why Should You Choose Us?

We're here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our simple Hard Money Rate Quote.

  • Customer Focused
  • Minimal Documentation
  • In-Houses Controls
  • Best Loan Services
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(866) 382-1466
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# Apply Now!

Our Core Purchasing Service

Whether you’re looking to purchase a new home or refinance your existing home,Groves Capital can provide all the help you need.

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Bankruptcy Discharged

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FHA Loans

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Cal Hero

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Cal STRS

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FHA 203k Loans

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FHA Streamline

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Hybrid ARM

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Interest Only

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Reverse

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Sale Leaseback

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Second Home

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VA Irrrl

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VA Veterans Affairs

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# Apply For CAL FHA

States We Lend In

Looking for lending in a state not listed? We do lend in other states on a case-by-case scenario. Give us a call to see what we can do for you.

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(866) 382-1466