Keep an extra 1% on closing day.

It is a 1% Lender Credit up to $499,999 off closing costs, and a $5,400 Lender Credit $500,000 or more off closing costs, on purchases and refinances closed through HomeMac. A Lender Credit goes toward closing costs only. It does not lower your loan amount or your down payment. On a $450,000 loan that is a $4,500 Lender Credit. It shows on your Loan Estimate.

Buyers who submit an application in November 2026, up to the first 50. It works on your own home, a second home or a rental, purchase or refinance, and the loan is subject to credit approval and program eligibility.

Yes, with eligible down payment assistance programs. The credit goes toward closing costs and the assistance goes toward the down payment, so both lower your cash to close. It cannot be combined with other lender credit offers.

You unlock three short videos and a 60 second check that tells you where you stand. If you look like a fit, apply on your own right there, about 15 minutes on your phone, and your November spot is held. If you're not a fit yet, you book a 15 minute consultation and Irving maps the path. You can also skip the check and go straight to the application.

The credit is tied to the application date. Submitting your application this month is what earns it; the home can close later. There is no fee to apply and no obligation.

No. The questions ask for ranges and best guesses only. No social security number, no property address, no credit pull. Your credit is pulled only when you apply, and the application tells you before it happens.

It is a second loan that sits behind your FHA first mortgage and covers 3.5% or 5% of the price, so you can buy with little or none of your own money for the down payment. It works with a 30 year fixed FHA loan on a home you will live in.

There are two versions. The forgivable option has no interest and no monthly payment and is forgiven after 36 consecutive on time mortgage payments while you live in the home. The repayable option has a monthly payment and a rate above your first mortgage. Either one is due if you sell or refinance before it is forgiven or paid off.

You need a 600 credit score or higher, the home has to be your primary residence, and at least one borrower completes a homebuyer education course, which can be done free online. You do not have to be a first time buyer.

Single family homes, townhomes, FHA approved condos and some manufactured homes, up to the FHA loan limit for the county. Co ops, deed restricted homes and new construction are not eligible.

Yes. The seller can still pay toward your closing costs, up to FHA limits, which can bring your cash to close down even further. The estimator above shows how they stack.

Yes. FHA 200 is available across California, including Los Angeles, Orange, Riverside, San Bernardino and San Diego counties. State and local programs may also be available depending on income and funding.