{"id":6903,"date":"2023-09-08T06:29:04","date_gmt":"2023-09-08T04:29:04","guid":{"rendered":"https:\/\/albermoya.com\/?p=6903"},"modified":"2023-09-08T06:59:15","modified_gmt":"2023-09-08T04:59:15","slug":"owner-california-calhfa","status":"publish","type":"post","link":"https:\/\/albermoya.com\/en\/owner-california-calhfa\/","title":{"rendered":"Become a California Homeowner with CalHFA: Your Guide to Success"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\"><p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<\/div><nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/albermoya.com\/en\/owner-california-calhfa\/#Paso_1_Explora_las_Opciones_de_Financiamiento_de_CalHFA_y_Requisitos_de_Elegibilidad\" >Step 1: Explore CalHFA Funding Options and Eligibility Requirements<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/albermoya.com\/en\/owner-california-calhfa\/#La_Importancia_del_Financiamiento_en_la_Compra_de_tu_Hogar\" >The Importance of Financing in the Purchase of your Home<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/albermoya.com\/en\/owner-california-calhfa\/#Las_Opciones_de_Financiamiento_de_CalHFA\" >CalHFA Funding Options<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/albermoya.com\/en\/owner-california-calhfa\/#El_Rol_de_los_Prestamistas_Aprobados_por_CalHFA\" >The Role of CalHFA Approved Lenders<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/albermoya.com\/en\/owner-california-calhfa\/#Requisitos_de_Elegibilidad\" >Eligibility Requirements<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/albermoya.com\/en\/owner-california-calhfa\/#Paso_2_Obten_una_Pre-Calificacion_de_un_Oficial_de_Prestamos_Preferido_de_CalHFA\" >Step 2: Get Pre-Qualified from a CalHFA Preferred Loan Officer<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/albermoya.com\/en\/owner-california-calhfa\/#La_Importancia_de_la_Pre-Calificacion\" >The Importance of Pre-Qualification<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/albermoya.com\/en\/owner-california-calhfa\/#Comprender_la_Pre-Calificacion\" >Understanding Pre-Qualification<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/albermoya.com\/en\/owner-california-calhfa\/#Uso_de_la_Calculadora_de_Precalificacion\" >Use of the Prequalification Calculator<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/albermoya.com\/en\/owner-california-calhfa\/#Ventajas_de_Trabajar_con_un_Oficial_de_Prestamos_Preferido\" >Advantages of Working with a Preferred Loan Officer<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/albermoya.com\/en\/owner-california-calhfa\/#Preparandote_para_la_Pre-Calificacion\" >Preparing for Pre-Qualification<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/albermoya.com\/en\/owner-california-calhfa\/#Paso_3_Educacion_para_Compradores_de_Vivienda\" >Step 3: Home Buyer Education<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/albermoya.com\/en\/owner-california-calhfa\/#El_Valor_de_la_Educacion_en_la_Compra_de_Vivienda\" >The Value of Education in Home Buying<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/albermoya.com\/en\/owner-california-calhfa\/#%C2%BFPor_que_la_Educacion_es_Crucial\" >Why Education is Crucial?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/albermoya.com\/en\/owner-california-calhfa\/#Como_Obtener_la_Educacion\" >How to Get Education<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/albermoya.com\/en\/owner-california-calhfa\/#Pasos_Posteriores\" >Further Steps<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/albermoya.com\/en\/owner-california-calhfa\/#Paso_4_Inicia_la_Busqueda_de_tu_Hogar\" >Step 4: Start Your Home Search<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/albermoya.com\/en\/owner-california-calhfa\/#Encuentra_el_Hogar_de_tus_Suenos\" >Find the Home of your Dreams<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/albermoya.com\/en\/owner-california-calhfa\/#1_Conecta_con_un_Agente_Inmobiliario_Local\" >1. Connect with a Local Real Estate Agent<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/albermoya.com\/en\/owner-california-calhfa\/#2_Define_tus_Prioridades\" >2. Define your Priorities<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/albermoya.com\/en\/owner-california-calhfa\/#3_Explora_Diferentes_Vecindarios\" >3. Explore Different Neighborhoods<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/albermoya.com\/en\/owner-california-calhfa\/#4_Realiza_Ofertas_y_Negociaciones\" >4. Make Offers and Negotiations<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/albermoya.com\/en\/owner-california-calhfa\/#5_La_Perseverancia_es_Clave\" >5. Perseverance is Key<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/albermoya.com\/en\/owner-california-calhfa\/#%C2%A1Tu_Propio_Rincon_en_el_Mundo\" >Your Own Corner in the World!<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<p>Purchasing a home is a major milestone in life, representing both a responsibility and an exciting opportunity. Owning your own home means having the freedom to customize it however you want, from the color of the walls to the garden you&#039;ve always dreamed of. Plus, you&#039;ll establish a solid foundation for your financial future.<\/p>\n<p>But before you dive into the exciting world of property, it&#039;s essential to be prepared. Here&#039;s a step-by-step guide to getting the most out of your loan and assistance programs. <a href=\"https:\/\/www.calhfa.ca.gov\/homebuyer\/index.htm\" target=\"_blank\" rel=\"noopener\">CalHFA<\/a>.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Paso_1_Explora_las_Opciones_de_Financiamiento_de_CalHFA_y_Requisitos_de_Elegibilidad\"><\/span>Step 1: Explore CalHFA Funding Options and Eligibility Requirements<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"La_Importancia_del_Financiamiento_en_la_Compra_de_tu_Hogar\"><\/span>The Importance of Financing in the Purchase of your Home<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Most people dream of owning their own home, but buying a home is a significant investment. Very few people can afford to pay cash for a home, so they turn to mortgage loans. These loans are essential to making the dream of ownership a reality and allow you to purchase a home while paying the price over time.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Las_Opciones_de_Financiamiento_de_CalHFA\"><\/span>CalHFA Funding Options<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>California Housing Finance Agency (CalHFA) understands that purchasing a home is a major milestone in anyone&#039;s life. For this reason, they offer a variety of financing options to help low- to moderate-income families realize their dream of homeownership.<\/p>\n<p><strong>First Mortgage Loan<\/strong>: This is the pillar of your financing. CalHFA provides mortgage loans at competitive interest rates to help you purchase a home. These loans are provided through CalHFA approved lenders.<\/p>\n<p><strong>Secondary Loans<\/strong>: In addition to the first mortgage loan, CalHFA also offers secondary loans that can help you with the down payment and closing costs. Best of all, some of these loans have very low or even zero interest rates, making purchasing your home even easier.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"El_Rol_de_los_Prestamistas_Aprobados_por_CalHFA\"><\/span>The Role of CalHFA Approved Lenders<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>CalHFA does not accept applications directly from homebuyers. Instead, they work through a network of approved lenders who are experienced in the home buying process and servicing mortgage loans.<\/p>\n<p><strong>Professional advice<\/strong>: CalHFA-approved lenders are experts in home financing and know the intricacies of loan programs. Working with them will provide you with professional advice to understand the different options available and determine which is most suitable for your financial situation.<\/p>\n<p><strong>Loan Amount Calculation<\/strong>: One of the first steps you should take when considering purchasing a home is determining how much you can responsibly borrow. A CalHFA-approved lender will help you calculate how much you can afford and the maximum amount you can borrow.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Requisitos_de_Elegibilidad\"><\/span>Eligibility Requirements<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>In addition to exploring financing options, you should also review eligibility requirements to ensure you meet the necessary criteria to receive assistance from CalHFA. Some of the key factors you should take into account include:<\/p>\n<p><strong>Income Limits<\/strong>: CalHFA sets income limits that vary depending on the area and your family size. You must make sure your income is within these limits to be eligible for certain programs.<\/p>\n<p><strong>Credit History<\/strong>: Your credit history is also an important factor. Although CalHFA offers programs for a wide range of credit scores, it is essential to understand how your credit history will affect your ability to obtain financing.<\/p>\n<p><strong>Housing Occupancy<\/strong>: Depending on the program, you may be required to occupy the home as your primary residence. This means that you cannot buy the property as an investment or to rent it out.<\/p>\n<p><strong>Down Payment Assistance<\/strong>: If you are interested in down payment assistance loans, you should review the specific requirements of each of these programs.<\/p>\n<p>Before continuing with your home buying process, it is crucial to understand these financing options and eligibility requirements. This will allow you to be well prepared and make informed financial decisions as you move toward home ownership.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Paso_2_Obten_una_Pre-Calificacion_de_un_Oficial_de_Prestamos_Preferido_de_CalHFA\"><\/span>Step 2: Get Pre-Qualified from a CalHFA Preferred Loan Officer<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"La_Importancia_de_la_Pre-Calificacion\"><\/span>The Importance of Pre-Qualification<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Once you&#039;ve evaluated CalHFA financing options and are sure you meet eligibility requirements, the next crucial step is to obtain pre-qualification from a CalHFA Preferred Loan Officer. This pre-qualification is essential in determining how much you can pay and provides you with a solid financial foundation for your home search.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Comprender_la_Pre-Calificacion\"><\/span>Understanding Pre-Qualification<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Pre-qualification is a process in which a CalHFA Preferred Loan Officer evaluates your financial situation to determine how much you can borrow and what your maximum mortgage loan amount is. It is important to note that pre-qualification is different from final loan approval; however, it is a critical step in your journey toward home ownership.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Uso_de_la_Calculadora_de_Precalificacion\"><\/span>Use of the Prequalification Calculator<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Before contacting one of our Preferred Loan Officers, you can use a <a href=\"https:\/\/www.mlcalc.com\/\" target=\"_blank\" rel=\"noopener\">prequalification calculator<\/a>. This tool will give you an initial estimate of how much you can prequalify and what your price range for the home might be. While this estimate is helpful, keep in mind that the final calculation will depend on a more detailed evaluation of your financial situation by a professional.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Ventajas_de_Trabajar_con_un_Oficial_de_Prestamos_Preferido\"><\/span>Advantages of Working with a Preferred Loan Officer<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>CalHFA Preferred Loan Officers are experts in home financing and are highly trained to provide you with professional guidance. You will have the following advantages:<\/p>\n<p><strong>Detailed Evaluation<\/strong>: A Preferred Loan Officer will conduct a thorough evaluation of your financial situation. This includes reviewing your income, debt, credit history and other relevant factors.<\/p>\n<p><strong>Determination of Loan Amount<\/strong>: The officer will calculate how much you can prequalify based on the results of the financial evaluation. This will give you a clear idea of your ability to purchase a home.<\/p>\n<p><strong>Personalized advice<\/strong>: Preferred Loan Officers don&#039;t just crunch numbers; They will also offer you personalized advice. They will help you understand the different financing options available and which one is best for your needs.<\/p>\n<p><strong>Future Steps<\/strong>: After pre-qualification, your Preferred Loan Officer will guide you through the next steps of the home buying process, including finding suitable homes and the loan application process.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Preparandote_para_la_Pre-Calificacion\"><\/span>Preparing for Pre-Qualification<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Before meeting with a Preferred Loan Officer, it is helpful to have certain financial documents on hand. These may include proof of income, bank statements, debt information, and any other relevant documents. By being prepared, the pre-qualification process will be more efficient and effective.<\/p>\n<p>Pre-qualification is a fundamental step on your path to owning your home. It gives you a solid understanding of how much you can spend on a home and helps you set realistic expectations for your search. Additionally, by working with a CalHFA Preferred Loan Officer, you will receive expert guidance to help you make informed financial decisions.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Paso_3_Educacion_para_Compradores_de_Vivienda\"><\/span>Step 3: Home Buyer Education<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"El_Valor_de_la_Educacion_en_la_Compra_de_Vivienda\"><\/span>The Value of Education in Home Buying<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>If you are a first-time homebuyer, participating in a homebuyer education course is an essential step on your journey toward homeownership. This course provides valuable information about the responsibilities and benefits of homeownership, helping you make informed decisions and be prepared for the responsibilities that come with home ownership.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"%C2%BFPor_que_la_Educacion_es_Crucial\"><\/span>Why Education is Crucial?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Buying a home is a significant investment and a long-term commitment. Therefore, it is essential to understand the key aspects of home ownership before taking that important step. Some of the reasons why home buying education is crucial include:<\/p>\n<p><strong>Understanding Responsibilities<\/strong>: The homebuyer education course provides you with detailed information about the responsibilities and obligations that come with being a homeowner. This includes home maintenance, property taxes, and other financial aspects.<\/p>\n<p><strong>Informed Decisions<\/strong>: By understanding the financial and legal aspects of homeownership, you can make more informed decisions about what type of home to buy and how to manage your finances effectively.<\/p>\n<p><strong>Preparation for Obstacles<\/strong>: Throughout your life as a homeowner, you will likely face challenges and obstacles. Education prepares you to deal with these challenges efficiently and minimize their impact.<\/p>\n<p><strong>Certificate of completion<\/strong>: After successfully completing the <a href=\"https:\/\/calhfa.ehomeamerica.org\/sponsor_user\/sponsor_main\" target=\"_blank\" rel=\"noopener\">homebuyer education course<\/a>, you will receive a certificate of completion. This certificate is a requirement to obtain a CalHFA mortgage loan, so it is essential to move forward in the home buying process.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Como_Obtener_la_Educacion\"><\/span>How to Get Education<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>There are two options to complete homebuyer education and obtain your certificate of completion:<\/p>\n<p><strong>Online<\/strong>: You can choose to take the online education course. This gives you the flexibility to learn at your own pace and from the comfort of your home. <a href=\"https:\/\/calhfa.ehomeamerica.org\/sponsor_user\/sponsor_main\" target=\"_blank\" rel=\"noopener\">CalHFA offers a qualifying online education course<\/a>.<\/p>\n<p><strong>In person<\/strong>: You can also attend homebuyer education classes in person. These classes are offered by CalHFA-approved organizations, such as NeighborWorks America, and HUD-approved counseling agencies. In-person classes offer direct interaction with instructors and other homebuyers.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Pasos_Posteriores\"><\/span>Further Steps<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Once you have successfully completed the homebuyer education course, your Preferred Loan Officer will be required to submit your certificate of completion as part of your loan application. This shows that you are well prepared and committed to your responsibility as a homeowner.<\/p>\n<p>Education is a powerful tool that empowers you to make smart financial decisions and enjoy a safer, more successful home buying experience. By learning about the responsibilities and benefits of homeownership, you will be better prepared to meet the challenges and make the most of your home investment.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Paso_4_Inicia_la_Busqueda_de_tu_Hogar\"><\/span>Step 4: Start Your Home Search<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Encuentra_el_Hogar_de_tus_Suenos\"><\/span>Find the Home of your Dreams<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>With your prequalification in hand and a solid understanding of your financing options, you&#039;re ready to take the next exciting step: beginning the search for your ideal home. At this time, a local real estate agent will become your best ally. Here we show you how to take your first steps on this exciting journey:<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Conecta_con_un_Agente_Inmobiliario_Local\"><\/span>1. Connect with a Local Real Estate Agent<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The experience and knowledge of a local real estate agent is invaluable in the home search process. Their familiarity with the local market, pricing trends, and areas that fit your needs will give you a significant advantage. Your agent will be your guide and advisor throughout the entire process.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Define_tus_Prioridades\"><\/span>2. Define your Priorities<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Before going out looking, it is important to have a list of your priorities and needs in a home. This may include the number of bedrooms, location, nearby amenities, yard size, and other factors important to you and your family. Your agent will use this list as a basis for finding properties that fit your requirements.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Explora_Diferentes_Vecindarios\"><\/span>3. Explore Different Neighborhoods<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>California offers a wide variety of neighborhoods, each with its own character and charm. Your agent will show you properties in a variety of neighborhoods so you can explore your options and find the place that best fits your lifestyle.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Realiza_Ofertas_y_Negociaciones\"><\/span>4. Make Offers and Negotiations<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Once you find a property you like, your agent will help you prepare an offer. Don&#039;t be discouraged if your first offer is not accepted; Negotiation is a common part of the home buying process. Your agent will guide you in negotiation strategies to reach a favorable agreement.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_La_Perseverancia_es_Clave\"><\/span>5. Perseverance is Key<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Searching for a home can be exciting, but it can also present challenges. Don&#039;t be discouraged if you encounter obstacles along the way. Perseverance is key when searching for a home, and with the help of your real estate agent, you will be better prepared to overcome any challenge.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"%C2%A1Tu_Propio_Rincon_en_el_Mundo\"><\/span>Your Own Corner in the World!<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Buying a home in California is an exciting opportunity to create your own corner of the world. With these steps and the support of a local real estate agent, you will be well on your way to owning your home. Don&#039;t lose sight of your goal and keep your vision on that special place you will call home. The journey to homeownership has begun!<\/p>","protected":false},"excerpt":{"rendered":"<p>La compra de una vivienda es un hito importante en la vida, que representa tanto una responsabilidad como una oportunidad emocionante. Ser due\u00f1o de tu propio hogar significa tener la libertad de personalizarlo como desees, desde el color de las paredes hasta el jard\u00edn que siempre so\u00f1aste. Adem\u00e1s, establecer\u00e1s una base s\u00f3lida para tu futuro [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[93],"tags":[139,111],"class_list":["post-6903","post","type-post","status-publish","format-standard","hentry","category-comprar-real-estate","tag-calhfa","tag-prestamos"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Convi\u00e9rtete en Propietario en California con CalHFA | Alber Moya<\/title>\n<meta name=\"description\" content=\"Descubre c\u00f3mo obtener un pr\u00e9stamo hipotecario en California con CalHFA y dar el paso hacia la propiedad de tu hogar.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/albermoya.com\/en\/owner-california-calhfa\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Convi\u00e9rtete en Propietario en California con CalHFA | Alber Moya\" \/>\n<meta property=\"og:description\" content=\"Descubre c\u00f3mo obtener un pr\u00e9stamo hipotecario en California con CalHFA y dar el paso hacia la propiedad de tu hogar.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/albermoya.com\/en\/owner-california-calhfa\/\" \/>\n<meta property=\"og:site_name\" content=\"Alberto Moya - Realtor\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/albermoyavalley\/\" \/>\n<meta property=\"article:published_time\" content=\"2023-09-08T04:29:04+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-09-08T04:59:15+00:00\" \/>\n<meta name=\"author\" content=\"Alberto Moya\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/albermoya.com\\\/propietario-california-calhfa\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/albermoya.com\\\/propietario-california-calhfa\\\/\"},\"author\":{\"name\":\"Alberto Moya\",\"@id\":\"https:\\\/\\\/albermoya.com\\\/#\\\/schema\\\/person\\\/399d50f60ad69fa6c7b8cd0e331fd678\"},\"headline\":\"Convi\u00e9rtete en Propietario en California con CalHFA: Tu Gu\u00eda para el \u00c9xito\",\"datePublished\":\"2023-09-08T04:29:04+00:00\",\"dateModified\":\"2023-09-08T04:59:15+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/albermoya.com\\\/propietario-california-calhfa\\\/\"},\"wordCount\":2341,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/albermoya.com\\\/#\\\/schema\\\/person\\\/9ff661a570c78114c2b0e236c968b579\"},\"keywords\":[\"CalHFA\",\"pr\u00e9stamos\"],\"articleSection\":[\"Comprar Real Estate\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/albermoya.com\\\/propietario-california-calhfa\\\/\",\"url\":\"https:\\\/\\\/albermoya.com\\\/propietario-california-calhfa\\\/\",\"name\":\"Convi\u00e9rtete en Propietario en California con CalHFA | Alber Moya\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/albermoya.com\\\/#website\"},\"datePublished\":\"2023-09-08T04:29:04+00:00\",\"dateModified\":\"2023-09-08T04:59:15+00:00\",\"description\":\"Descubre c\u00f3mo obtener un pr\u00e9stamo hipotecario en California con CalHFA y dar el paso hacia la propiedad de tu hogar.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/albermoya.com\\\/propietario-california-calhfa\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/albermoya.com\\\/propietario-california-calhfa\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/albermoya.com\\\/propietario-california-calhfa\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Portada\",\"item\":\"https:\\\/\\\/albermoya.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Convi\u00e9rtete en Propietario en California con CalHFA: Tu Gu\u00eda para el \u00c9xito\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/albermoya.com\\\/#website\",\"url\":\"https:\\\/\\\/albermoya.com\\\/\",\"name\":\"Alberto Moya - Asesor\",\"description\":\"Realtor en Los Angeles. Servicios para ayudarte a comprar y vender casa en Los \u00c1ngeles.\",\"publisher\":{\"@id\":\"https:\\\/\\\/albermoya.com\\\/#\\\/schema\\\/person\\\/9ff661a570c78114c2b0e236c968b579\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/albermoya.com\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":[\"Person\",\"Organization\"],\"@id\":\"https:\\\/\\\/albermoya.com\\\/#\\\/schema\\\/person\\\/9ff661a570c78114c2b0e236c968b579\",\"name\":\"Alber\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/albermoya.com\\\/wp-content\\\/uploads\\\/2021\\\/06\\\/logo_alber_moya-02.png\",\"url\":\"https:\\\/\\\/albermoya.com\\\/wp-content\\\/uploads\\\/2021\\\/06\\\/logo_alber_moya-02.png\",\"contentUrl\":\"https:\\\/\\\/albermoya.com\\\/wp-content\\\/uploads\\\/2021\\\/06\\\/logo_alber_moya-02.png\",\"width\":568,\"height\":254,\"caption\":\"Alber\"},\"logo\":{\"@id\":\"https:\\\/\\\/albermoya.com\\\/wp-content\\\/uploads\\\/2021\\\/06\\\/logo_alber_moya-02.png\"},\"sameAs\":[\"https:\\\/\\\/albermoya.com\\\/\",\"https:\\\/\\\/www.facebook.com\\\/albermoyavalley\\\/\",\"https:\\\/\\\/www.instagram.com\\\/albermoyarealtor\\\/\",\"https:\\\/\\\/www.linkedin.com\\\/in\\\/albermoya\",\"https:\\\/\\\/www.youtube.com\\\/channel\\\/UCmJjMB11OCAiJ3c8phJLgoQ\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/albermoya.com\\\/#\\\/schema\\\/person\\\/399d50f60ad69fa6c7b8cd0e331fd678\",\"name\":\"Alberto Moya\",\"url\":\"https:\\\/\\\/albermoya.com\\\/en\\\/author\\\/amoya\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Become a Homeowner in California with CalHFA | Alber Moya","description":"Discover how to get a mortgage loan in California with CalHFA and take the step towards owning your home.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/albermoya.com\/en\/owner-california-calhfa\/","og_locale":"en_US","og_type":"article","og_title":"Convi\u00e9rtete en Propietario en California con CalHFA | Alber Moya","og_description":"Descubre c\u00f3mo obtener un pr\u00e9stamo hipotecario en California con CalHFA y dar el paso hacia la propiedad de tu hogar.","og_url":"https:\/\/albermoya.com\/en\/owner-california-calhfa\/","og_site_name":"Alberto Moya - Realtor","article_publisher":"https:\/\/www.facebook.com\/albermoyavalley\/","article_published_time":"2023-09-08T04:29:04+00:00","article_modified_time":"2023-09-08T04:59:15+00:00","author":"Alberto Moya","twitter_card":"summary_large_image","schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/albermoya.com\/propietario-california-calhfa\/#article","isPartOf":{"@id":"https:\/\/albermoya.com\/propietario-california-calhfa\/"},"author":{"name":"Alberto Moya","@id":"https:\/\/albermoya.com\/#\/schema\/person\/399d50f60ad69fa6c7b8cd0e331fd678"},"headline":"Convi\u00e9rtete en Propietario en California con CalHFA: Tu Gu\u00eda para el \u00c9xito","datePublished":"2023-09-08T04:29:04+00:00","dateModified":"2023-09-08T04:59:15+00:00","mainEntityOfPage":{"@id":"https:\/\/albermoya.com\/propietario-california-calhfa\/"},"wordCount":2341,"commentCount":0,"publisher":{"@id":"https:\/\/albermoya.com\/#\/schema\/person\/9ff661a570c78114c2b0e236c968b579"},"keywords":["CalHFA","pr\u00e9stamos"],"articleSection":["Comprar Real Estate"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/albermoya.com\/propietario-california-calhfa\/","url":"https:\/\/albermoya.com\/propietario-california-calhfa\/","name":"Become a Homeowner in California with CalHFA | Alber Moya","isPartOf":{"@id":"https:\/\/albermoya.com\/#website"},"datePublished":"2023-09-08T04:29:04+00:00","dateModified":"2023-09-08T04:59:15+00:00","description":"Discover how to get a mortgage loan in California with CalHFA and take the step towards owning your home.","breadcrumb":{"@id":"https:\/\/albermoya.com\/propietario-california-calhfa\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/albermoya.com\/propietario-california-calhfa\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/albermoya.com\/propietario-california-calhfa\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Portada","item":"https:\/\/albermoya.com\/"},{"@type":"ListItem","position":2,"name":"Convi\u00e9rtete en Propietario en California con CalHFA: Tu Gu\u00eda para el \u00c9xito"}]},{"@type":"WebSite","@id":"https:\/\/albermoya.com\/#website","url":"https:\/\/albermoya.com\/","name":"Alberto Moya - Advisor","description":"Realtor in Los Angeles. Services to help you buy and sell a home in Los Angeles.","publisher":{"@id":"https:\/\/albermoya.com\/#\/schema\/person\/9ff661a570c78114c2b0e236c968b579"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/albermoya.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":["Person","Organization"],"@id":"https:\/\/albermoya.com\/#\/schema\/person\/9ff661a570c78114c2b0e236c968b579","name":"Alber","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/albermoya.com\/wp-content\/uploads\/2021\/06\/logo_alber_moya-02.png","url":"https:\/\/albermoya.com\/wp-content\/uploads\/2021\/06\/logo_alber_moya-02.png","contentUrl":"https:\/\/albermoya.com\/wp-content\/uploads\/2021\/06\/logo_alber_moya-02.png","width":568,"height":254,"caption":"Alber"},"logo":{"@id":"https:\/\/albermoya.com\/wp-content\/uploads\/2021\/06\/logo_alber_moya-02.png"},"sameAs":["https:\/\/albermoya.com\/","https:\/\/www.facebook.com\/albermoyavalley\/","https:\/\/www.instagram.com\/albermoyarealtor\/","https:\/\/www.linkedin.com\/in\/albermoya","https:\/\/www.youtube.com\/channel\/UCmJjMB11OCAiJ3c8phJLgoQ"]},{"@type":"Person","@id":"https:\/\/albermoya.com\/#\/schema\/person\/399d50f60ad69fa6c7b8cd0e331fd678","name":"Alberto Moya","url":"https:\/\/albermoya.com\/en\/author\/amoya\/"}]}},"_links":{"self":[{"href":"https:\/\/albermoya.com\/en\/wp-json\/wp\/v2\/posts\/6903","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/albermoya.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/albermoya.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/albermoya.com\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/albermoya.com\/en\/wp-json\/wp\/v2\/comments?post=6903"}],"version-history":[{"count":3,"href":"https:\/\/albermoya.com\/en\/wp-json\/wp\/v2\/posts\/6903\/revisions"}],"predecessor-version":[{"id":6906,"href":"https:\/\/albermoya.com\/en\/wp-json\/wp\/v2\/posts\/6903\/revisions\/6906"}],"wp:attachment":[{"href":"https:\/\/albermoya.com\/en\/wp-json\/wp\/v2\/media?parent=6903"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/albermoya.com\/en\/wp-json\/wp\/v2\/categories?post=6903"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/albermoya.com\/en\/wp-json\/wp\/v2\/tags?post=6903"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}