Talk to Mike About Your California Down Payment Options
A free 20-minute call, no obligation and no pressure. Tell Mike your county, your credit ballpark, whether you have owned before, and whether you would be the first in your family to own, and he will tell you which California program fits.
California is a three-program state, and which one fits depends on details a form cannot capture: whether a Dream For All funding round is open, whether you would be a first-generation buyer, whether you have owned before (which points to GSFA Platinum), and which county you are buying in. A short conversation sorts it out faster than any calculator. Mike has closed CalHFA and GSFA loans across the state and will tell you straight which path leaves you the most cash.
Reach Mike directly
- Phone: (480) 296-6513
- Email: mcerto@cfmtg.com
- Lender: Cornerstone First Mortgage, NMLS #173855
- Mike Certo, Branch Manager, NMLS #260555
- Serving: California statewide, Los Angeles, San Diego, the Bay Area, Sacramento, the Central Valley, and the Inland Empire
Prefer to read first? How Dream For All works or check the eligibility and income limits.
No commitment · no credit pull on the first call · no salesy follow-up.
Start your California options
Tell us your county, credit range, and price target, and we’ll map your California path in a no-pressure 20-minute call. No obligation.