Download our FREE First-Time Homebuyer Guide to learn: How to qualify for the best loan programs What to expect during the buying process How to avoid common mistakes that cost buyers thousands
You may be ready to buy if you have steady income, manageable debt, and some savings for a down payment and closing costs. Not sure? We'll run the numbers with you no obligation, no credit pull.
We specialize in FHA loans (3.5% down), CalHFA programs with below-market rates, down payment assistance grants, and conventional loans with as little as 3% down. Multiple options one expert broker.
California and local municipalities offer multiple down payment assistance programs for qualifying first-time buyers. We identify which programs apply to your situation and layer them onto your loan to minimize your upfront costs.
Schedule a free, no-obligation call with Ansar. We'll review your credit, income, and savings and map out your fastest, most affordable path to homeownership.
Buying your first home in California or Hawaii is one of the most significant financial decisions you’ll ever make and it’s also one of the most achievable, with the right guidance.
At FundUSACorp, we specialize in first-time homebuyer programs that make homeownership accessible even in today’s competitive market. From down payment assistance to flexible loan qualification standards, we’ll build a custom strategy around your income, credit, and savings then shop dozens of lenders to find you the most competitive financing available.
We don’t just get you a loan. We make sure you understand every step, every number, an every option so you can buy with confidence, not confusion.
2018
FHA LOANS
Most popular program for first-time buyers in California and Hawaii. Purchase with as little as 3.5% down with a 580+ credit score. Flexible debt-to-income requirements and competitive government-backed rates.
CONVENTIONAL 97
Buy with just 3% down if you have a 620+ credit score and steady employment. No upfront mortgage insurance premium. Great for buyers with strong credit but limited savings.
CalHFA PROGRAMS
The California Housing Finance Agency offers below-market interest rates and deferred down payment assistance loans for first-time buyers who meet income limits. We are approved CalHFA participating lenders.
DOWN PAYMENT ASSISTANCE (DPA)
City, county, and state programs offer grants or deferred-payment loans to help cover your down payment and closing costs. Many DPA programs can be stacked with FHA or conventional financing. We identify which you qualify for and apply them automatically.
USDA LOANS
If you’re purchasing in a qualifying rural or suburban area, USDA loans offer 100% financing with no down payment required. Certain areas of California and Hawaii may qualify — contact us to check your address.
California and Hawaii are two of the most competitive and most expensive real estate markets in the country. But that doesn’t mean homeownership is out of reach. At FundUSACorp, our goal is to find every available advantage for our first-time buyers: the lowest rate, the right program, and any down payment assistance dollars you qualify for.
We’ve helped hundreds of first-time buyers close their first home, many of whom believed they couldn’t qualify. If you’re not sure where to start, start with a free consultation. We’ll tell you exactly what you can do right now and what it takes to get there.
Get pre-approved before you start touring homes. Our streamlined process delivers a strong pre-approval letter in as little as 24 hours so you can make offers with confidence in a competitive market.
We offer FHA, conventional, VA, USDA, and CalHFA purchase loans and we shop dozens of lenders to find your best rate. First-time buyer? We'll make sure you're not leaving any program benefit on the table.
We believe informed buyers make better decisions. We take the time to explain your loan options, your costs, and your rights so you feel confident, not confused, from application to closing.
With an FHA loan, you need at least 3.5% of the purchase price for the down payment, plus 2–3% for closing costs. On a $600,000 home, that’s roughly $21,000–$33,000. With down payment assistance programs, your out-of-pocket cost could be significantly lower. We’ll calculate your exact number on your first call.
FHA loans can work with credit scores as low as 580 (for 3.5% down). Conventional loans generally require 620+. If your score is below 580, we’ll build a 60–90 day action plan to get you where you need to be at no charge.
Not always. Many down payment assistance and CalHFA programs define ‘first-time buyer’ as someone who has not owned a primary residence in the past 3 years. If you owned a home several years ago, you may still qualify.
Pre-approval is significantly stronger. It involves a full credit pull and verified review of your income and assets resulting in a conditional commitment letter that sellers take seriously. In California and Hawaii’s competitive markets, many sellers won’t accept offers without pre-approval. We issue pre-approval letters, not just pre-qual letters.
Yes and many of our clients do. Your rent payments are not counted against your debt-to-income ratio. As long as your income supports both your projected mortgage payment and any other debts, renting while buying is perfectly workable. We’ll show you exactly how the numbers look.
Yes and many of our clients do. Your rent payments are not counted against your debt-to-income ratio. As long as your income supports both your projected mortgage payment and any other debts, renting while buying is perfectly workable. We’ll show you exactly how the numbers look.
