Santa Ana Down Payment Assistance

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Santa Ana First-Time Homebuyer Program

Capital Home Mortgage Santa Ana is a Santa Ana Down Payment Assistance Program Lender offering Santa Ana My First Home Program that assists potential homebuyers with funding for down payments and closing costs.  As a direct Santa Ana Mortgage Lender, Capital Home Mortgage manages the entire lending process from start to finish. With in-house processing and underwriting, we provide quick, common-sense approvals and timely closings making the process of purchasing a home stress free.

Give us a call today at (888) 620-7744 to speak with one of our knowledgeable Santa Ana Loan Officers and get started on your path to homeownership!

Santa Ana Down Payment Assistance Mortgage Program

My First Home Program
    • Assistance Amount: Up to $120,000 for low-income households and up to $80,000 for moderate-income households.
    • Terms: 0% interest deferred payment loans, funded through the city’s Inclusionary Housing Fund.
    • Eligibility:
      • Must be a first-time homebuyer or not have owned a home in the last three years.
      • Must work or reside in Santa Ana for at least six months prior to application.
      • Household income must not exceed specified limits based on size.
      • Completion of an 8-hour homebuyer counseling program is required.
      • Must contribute at least 3% of the purchase price from personal funds.

Special incentives include loan forgiveness for U.S. veterans or active-duty military and recent college or trade school graduates from Santa Ana high schools. Additionally, the program prioritizes residents and workers within Santa Ana.  For more details, visit the City of Santa Ana Housing Division.

Santa Ana Mortgage Team

Dale-Gremillion

Dale Gremillion

Sr Loan Officer
NMLS #210325
Conor-Hayhurst

Conor Hayhurst

Branch Manager
NMLS #743506
Shawna Johnson

Shawna Johnson

Manu / Reno / OTC
NMLS #1631859
Why Santa Ana is Choosing Capital Home Mortgage
Close On Time

Complete Control from Application to Funding

Low Rates & Low Fees

Direct Lender with Competitive Rates & Fees

Exceptional Service

7  Day a Week Support Application to Funding

Santa Ana Mortgage Company Reviews

California Mortgage Programs

California Purchase Home Loans

Looking to Purchase in California?

  • Primary, 2nd Home, Investment
  • Low Rates & Fees, No fee Options
  • FHA, VA, USDA, Native American
  • Conventional, Jumbo & Renovation
  • Manufactured, Construction, Reverse

California Renovation Home Loans

Looking to Renovate a California Home?

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California FHA Home Loans

Great First Time California Homebuyers

  • Smaller Down Payments
  • Flexible Underwriting Guidelines
  • Higher Debt to Income Allowed
  • Lower Credit Scores – Down to 500
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California VA Home Loans

100% Financing for California Veterans

  • No Mortgage Loan Limits
  • Simple Qualifying
  • Higher Debt to Income Allowed
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California Conventional Home Loans

Flexibility for California Homebuyers

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  • Variable Mortgage Insurance Options
  • Low Rates & a Variety of Terms
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California Non-Conforming Mortgages

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  • Variety of Mortgage Programs
  • Simple Qualifying for Veterans
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  • Primary Residences
  • No Down Payment Required
  • New Manufactured Homes Allowed
  • Closing Costs / Repairs Rolled In
  • Geographic and Income Limits Apply

California Native American Loans

California Hud 184 Home Mortgage

  • Primary Residence Only
  • Manual Underwriting for All Loans
  • No Credit Score Requirements
  • Tribal Grants Allowed
  • Purchase, Refinance, and Renovation

California Manufactured Home Loans

Great California Affordable Housing

  • Existing Purchase or Refinance
  • New Construction
  • One Time Close Land/Home Combo
  • Lock at Contract
  • FHA, VA, USDA, Native American

California Reverse Home Loans

Your California Home at Work for You

  • Primary Residence Only
  • Simple Qualifying – Equity Based
  • No Credit Score Requirements
  • Minimum Age 62
  • Purchase, Refinance, and Cash-Out

California Non QM Home Loans

Making California Mortgages Possible

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  • Primary, Secondary, Investment
  • Full Doc Programs
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California Construction Home Loans

Build Your California Dream Home

  • Primary Residences Only
  • One Time Close
  • Lock Rate at Closing
  • Traditional Final Mortgages
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California Refinance Home Loans

California Rate & Term Refinance

  • Lower Monthly Payment
  • Shorten Mortgage Term
  • Streamline Options Available
  • Appraisal Waivers Allowed
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California Cashout Home Loans

California Equity Cash Out Mortgage

  • Debt Consolidation
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