In 2025, Los Angeles County will introduce and reinstate many local, city and state government 2025 first time home buyer programs offering more accessible 1st time buyer grants, loans and down-payment options for many first-time buyers. We specialize in assisting the First Time Home Buyer looking to purchase their first home in Los Angeles, Inglewood, Long Beach, Lakewood, Downey, Carson, CA and their surrounding cities. We've also just added San Bernadino and Riverside Counties to our servicing areas. Consider this site as your number one Los Angeles, San Bernadino, and Riverside County First Time Home Buyer Real Estate Resource!  

SEE LIST OF 2025 PROGRAMS HERE (funds and programs not guaranteed)
  

2025 First Time Home Buyer Programs

Lower credit score acceptance!  No maximum income restrictions! *See "Conventional 97"

Investor Friendly *See "CHF Platinum"

Not sure if you qualify for any of the 2025 first time home buyer programs in Los Angeles, Downey, Long Beach, Carson or their surrounding areas? You'd be surprised! Whether you are married, have been divorced, or have been a previous home owner before, you still could very well qualify for many first-time home buyer programs in Los Angeles, Inglewood, Downey, Long Beach, Carson and their surrounding cities. Eligibility requirements for first-time homebuyer applicants are [Read more] ...

Condos/Lofts ~ Single Family Homes ~ Rental Income Properties

FIRST-TIME HOME BUYER PROGRAMS 2025 
CONVENTIONAL 97 PROGRAM is back and better than ever!! (min. 3% down own funds/ minimum 2% gift = 5% down)

**ALWAYS CONSULT LICENSED MORTGAGE LENDING PROFESSIONALS FOR CURRENT RATES AND BUYER PROGRAM GUIDELINE CHANGES. Call or write to speak to one of our preferred first-time home buyer lenders at 310-508-4354.

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FHA FIRST-TIME HOMEBUYER PROGRAM (min. 3.5% down) MOST POPULAR PROGRAM

(SERVING ALL OF LOS ANGELES, SAN BERNARDINO AND RIVERSIDE COUNTIES)

• Single Family homes, income properties (4 units or less)
• 3.5% down
• generally FICO 640 and over
• upfront mortgage insurance
• Mortgage insurance term - as of June 3, 2013 this will be paid for the life of the loan (confirm with lender)
• Owner Occupied only
• loan limits over $600,000

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OTHER FIRST TIME HOME BUYER PROGRAMS

• RNLA (Restore Neighborhoods Los Angeles) is offering a great LA based first time homebuyer program. First time homebuyers are able to purchase newly renovated or remodeled homes that Los Angeles Housing Dept has purchased from lenders after foreclosure. [Read about more first-time home buyer programs here]...
• CHF Access Program - First and SECOND, homebuyer program available!
  
• NSP program
• CALFHA Program
• LIPA Program (min. 1% down)  
• HOP Program (min. 1% down)

We have lenders that specialize in first-time home buyer programs such as the one listed above ready to help you!

2ND-TIME HOME BUYER PROGRAM 2025 

LOS ANGELES, RIVERSIDE, SAN BERNARDINO COUNTY FIRST TIME HOME BUYER:

CHF PLATINUM - INVESTORY FRIENDLY!

• 3 - 5% down payment-assistance grant
• NO PRE-PAYMENT PENALTY
• Minimum credit score is 620
• Maximum loan amount is $417K.
• CAN BE A SECOND TIME HOME BUYER
• Single family residence, condos
• Must be owner-occupied  
• CAN BE PROPERTY FLIP (Flips less than 90 days not allowed)
• CON - May have higher loan origination fee (check with one of our preferred lenders to see if this still makes the best "cents" for you overall).

Don't forget to ask us about the CHF Access and CHF Platinum Programs for 2nd Time Home Buyers!!

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SEARCH HOMES FOR SALE BY CITY

*JUST ADDED COUNTIES TO OUR FIRST TIME HOME BUYER SERVICE AREAS*

San Bernadino

Riverside

*First-time homebuyer applicants must not currently own a home or have been on title or had any ownership interest of real property within the last 3 years (a full 3 years). See more detailed first-time homebuyer requirements here.

APPLY NOW (no SS# required):

Pre-qualification mortgage

Down-payment assistance

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START YOUR HOME SEARCH HERE

 

         310-508-4354