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CA Teacher Program

Teacher Program

The California Teacher's home loan program has expanded!

This program (ECTP) is not only for teachers! It now applies to administrators, school district employees, and staff members working for any California K-12 public school, which includes Charter schools and county/continuation schools. This program is a great opportunity to buy a home with zero down payment! Contact us to get started!


Program Eligibility

Am I eligible to apply for this program? 
Review the guidelines below for both “Borrower” and “Property” Requirements to determine if you may be eligible to apply for the ECTP.

Borrower Requirements

  • Be a first-time homebuyer. See the definition of a first-time homebuyer.
  • Occupy the property as a primary residence; non-occupant co-borrowers are not allowed.
  • CalHFA borrowers must complete homebuyer education counseling and obtain a certificate of completion through an eligible homebuyer counseling organization.
  • Meet CalHFA income limits for this program.
  • Be currently employed in a California K-12 public school, Charter school, county/continuation school or its school district

*In the case of conflicting guidelines, the lender must follow the more restrictive.

Property Requirements

  • Sales price of the home cannot exceed CalHFA's sales price limits established for the county in which the property is located
  • Be a single-family, one-unit residence, including approved condominium/PUDs
    • Guest houses, granny units and in-law quarters may be eligible

*In the case of conflicting guidelines, the lender must follow the more restrictive.

Additional Property Guidelines

  • Condominiums must meet the guidelines of the first mortgage
  • Manufactured housing is not permitted
  • There is a five acre maximum on the size of the property
  • Leaseholds/Land Trusts and Co-ops are not permitted
  • Meet the requirements of the mortgage insurer/guarantor