Financing

Here is a list of state and government financing programs. This information is intended as a convenient starting point for investigating your financing options; it is not all inclusive and does not constitute an endorsement of any business or service mentioned. A listing of local lenders can be found in the Sonoma County telephone directory.

• CalHFA - California Housing Finance Agency
  www.calhfa.ca.gov or call 1-800-789-2432
  CalHFA offers a variety of first-time homeownership opportunities, many of which can be combined.
  
  
• California Public Employees Retirement System
  Cal-PERS (http://www.calpers.ca.gov)
  1-800-874-7377
  
  
• CalSTRS - California State Teacher's Retirement System Official Site
  (http://www.calstrs.com/)
  
  
• CalSTRS Home Loan Program
  (http://www.chl-mrb.com/CALSTRS/)
  Whether you are dreaming of buying a new home, lowering your existing payments, or taking cash out, the CalSTRS Home Loan Program can help by offering competitive rates on a variety of mortgage loan programs.
  
  
• Gov-CalVet
  (http://www.cdva.ca.gov/calvet/)
  Home loans for California veterans; CalVet properties for sale (you do not have to be a veteran to purchase CalVet property); veterans services and more.
  
  
• Gov-Fannie Mae
  (http://www.fanniemae.com)
  Fannie Mae has developed a large array of innovative mortgage products, available through a nationwide network of Fannie Mae-approved lenders. Fannie Mae doesn't lend money directly to borrowers, but they do want to make sure you have the resources you need when searching for a home and mortgage.
  
  
• Gov-Fmhomepath
  (http://www.fanniemae.com/homebuyers/homepath/index.jhtml)
  Tools and resources from Fannie Mae to help you with bome-buying decisions.
  
  
• Gov-HUD/FHA - U.S. Department of Housing and Urban Development
  (http://www.hud.gov/offices/hsg/index.cfm)