Serving Fullerton, CA
CalHFA down payment assistance programs for first-time buyers in Fullerton, CA. MyHome Assistance, CalPLUS, and ZIP programs can cover your down payment and closing costs — CDL Mortgage is an experienced CalHFA-approved lender partner.
Why CDL MTG
A specialized lending team, a transparent process, and real people you can reach by phone.
We shop multiple wholesale lenders on your behalf to find strong pricing for your exact scenario.
Programs built around real situations — self-employed, investment property, manufactured homes and more.
A secure document checklist tailored to your loan, with pre-approvals turned around quickly.
Licensed loan officers who know local escrow, title, appraisal and market conditions — not a call center.
The Process
Four simple steps from first call to closing table.
A quick, no-pressure conversation about your goals, timeline and budget.
A short, secure checklist tailored to your loan — no guesswork, no busywork.
We shop lenders, review your Loan Estimate line by line, and issue your approval.
We keep you, your agent and escrow updated through funding day.
Local Expertise
CDL Mortgage Services Inc. helps buyers and homeowners across Fullerton and the rest of Orange County navigate the CalHFA loans process from first conversation to final signature. As a California-based lender headquartered in the Greater Los Angeles area, our loan officers know the local market, local escrow and title practices, and what it takes to compete for homes in Fullerton.
Every file is handled by a licensed loan officer — not a call center. We shop multiple wholesale lenders on your behalf to find competitive pricing, walk you through your Loan Estimate line by line, and keep you, your agent, and escrow updated at every milestone so there are no surprises at the closing table.
Beyond CalHFA loans, Fullerton clients also come to us for down payment assistance, CalHFA MyHome, first-time home buyer California, and more. Whatever your situation — first home, move-up purchase, investment property, or tapping equity — we’ll match you with the right program.
How It Works
CalHFA is the California Housing Finance Agency. It pairs a standard first mortgage with state down payment assistance, allowing qualified California buyers to purchase with very little cash of their own.
Income limits by county, a CalHFA-approved credit score, and completion of homebuyer education are the core requirements.
CalHFA layers over conventional, FHA or in some cases VA financing depending on your profile.
Programs like MyHome provide a deferred-payment junior loan toward down payment and closing costs.
A required course, completed online in a few hours, that also makes you a materially better-prepared buyer.
Owner-occupied primary residences only, within CalHFA sales price limits for your county.
Many CalHFA buyers close with a fraction of the cash a standard loan would require.
Your Options
CalHFA is a stack, not a single loan. Which layers you use determines your out-of-pocket cost.
Honest Advice
Assistance programs are powerful and they carry trade-offs. Both deserve to be on the table.
If income supports the payment but the down payment is the obstacle, this is exactly what CalHFA solves.
Most programs target first-time buyers, and prior ownership more than three years ago often still qualifies.
County income limits are higher than most buyers assume — always worth checking before ruling it out.
Assistance pricing is often marginally above market. We show the total cost against waiting to save.
The junior loan is repaid on sale or refinance. You need to understand that before closing.
Assistance files take coordination. We prepare listing agents so your offer is not discounted.
Service Area
CDL Mortgage Services Inc. · NMLS #132263 · Equal Housing Lender
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 Fullerton borrowers.
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.
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.
Ready to Start
Talk to a licensed loan officer — no obligation, no pressure.
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