CALIFORNIA HOUSING FINANCE AGENCY LENDER PROGRAM MANUAL 2025

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The California Housing Finance Agency (CalHFA) Lender Program Manual outlines the requirements and guidelines for lenders participating in CalHFA's Homeownership Program. It includes details on lender contractual obligations, eligible loans, borrower eligibility criteria, property standards, loan submission processes, and special programs aimed at assisting low- to moderate-income first-time homebuyers. The manual emphasizes compliance with federal tax laws, fair housing practices, and specific insurance requirements while providing a framework for loan reservations and commitments.
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