Your First Home Is
Closer Than You Think
You don't need 20% down. You don't need perfect credit. California has programs built for exactly your situation โ and SOCAL Brokers knows every single one of them.
Down Payment Programs
You May Need Less Than You Think
California has some of the most powerful first-time buyer programs in the country. Here are three that could change everything for you.
FHA Loan
The most popular loan for first-time buyers. Down payments as low as 3.5% and flexible credit guidelines make this the perfect starting point. Government-backed and widely available across Southern California.
CalHFA Program
The California Housing Finance Agency offers below-market interest rates AND down payment assistance specifically designed for California's first-time buyers. We are experienced CalHFA specialists.
CA Dream For All
California's shared appreciation program covers up to 20% of your purchase price as a down payment. This program fills up fast โ if you qualify, you need to move now. Ask us about current availability.
The Process
Three Steps to Your Front Door
We handle your real estate AND your mortgage โ which means one team, one process, and a faster path to closing day.
Free Pre-Approval
We review your finances, identify the best programs for your situation, and issue a verified pre-approval letter โ all at no cost and with no hard credit pull to start.
Find Your Home
Our real estate specialists search Rancho Cucamonga, Ontario, Riverside and all of SoCal for homes that match your budget, timeline, and neighborhood priorities.
Close & Get Your Keys
Because we handle both sides โ real estate and mortgage โ we close faster with fewer surprises. We stay with you from offer to the moment you get your keys.
Why Choose Us
One Team. Real Estate AND Mortgage.
Most agents hand you to a lender. Most lenders hand you to an agent. We do both โ which means fewer delays and a better deal.
One Team for Everything
Real estate and mortgage under one roof. No handoffs, no gaps, no finger-pointing if something goes wrong.
Local IE Experts
We know Rancho Cucamonga, Ontario, and Riverside inside and out. Every neighborhood, every trend, every opportunity.
50+ Lenders Compared
We're not tied to one bank. We shop 50+ lenders to get you the best rate and lowest fees possible.
20+ Years Experience
Over two decades helping Southern California families buy their first homes. We've seen every market and every challenge.
No Cost. No Obligation. No Credit Pull.
Get Your Free Pre-Approval Today
Fill out the form below and a SOCAL Brokers specialist will contact you within 24 hours with a clear, honest assessment of what you qualify for.