Wholesale pricing
CalHFA Loan rates change daily — and the rate you’re quoted depends as much on who’s quoting as on the market. Banks quote their own rate sheet; CDL Mortgage shops multiple wholesale lenders on every calhfa loan and shows you the best pricing across the market.
The fastest way to know your real rate is a quick scenario quote: your credit range, loan amount, and property details. We’ll price it across our lender panel the same day, with no credit pull required for an initial quote.
Credit score — higher scores unlock the best calhfa loan pricing tiers; even a 20-point improvement can change your rate.
Down payment / equity — a lower loan-to-value means less lender risk and better pricing.
Loan amount & property type — loan sizing and single-family vs. condo or multi-unit both affect your rate.
Occupancy — primary residences price better than second homes and investment properties.
Points & credits — pay discount points for a lower rate, or take a lender credit toward closing costs.
Lock timing — rates move daily; we watch the market and lock when the timing is right for you.
Want an exact payment based on today's wholesale pricing? Talk to a licensed loan officer.
Estimates only. Mortgage insurance and HOA dues are not included. Your actual payment depends on your final rate, program, taxes, and insurance premiums.
Questions
CalHFA (California Housing Finance Agency) programs pair a first mortgage with down payment and closing cost assistance for low-to-moderate income first-time buyers in California. The MyHome Assistance Program provides a deferred-payment junior loan of up to 3.5% of the purchase price or appraised value.
You generally must be a first-time homebuyer (no ownership in the last 3 years), occupy the home as your primary residence, meet county income limits, and complete a homebuyer education course. We’ll check your county’s income limit and walk you through every requirement.
The MyHome junior loan is deferred — no monthly payments are required. It’s repaid when you sell, refinance, or pay off the first mortgage. This lets you get into a home now without draining your savings.
Yes. CalHFA assistance layers on top of an FHA or conventional first mortgage. We’ll compare the CalHFA FHA and CalHFA conventional options side by side to find your lowest total monthly payment.
No — CalHFA is a California-only program. If you’re buying in another state we serve, ask us about that state’s bond and down payment assistance programs, along with FHA and VA low-down-payment options.
About Us
CDL Mortgage Services Inc. is an independent, full-service mortgage company. Instead of pushing one bank’s products, we shop multiple wholesale lenders to secure the best loan at the best rate for every borrower.
Purchase, refinance, and home equity — all under one roof, focused on the best loans at the best rates.
Based at 6524 Lonetree Blvd, Rocklin, CA 95765 and licensed in California, Texas, Georgia, Tennessee, Oklahoma & Idaho.
Every file is handled start-to-finish by a licensed loan officer who knows your name and your goals.
Fully licensed and regulated, with award-winning lender partnerships and 35+ years serving borrowers.