GSFA Platinum® — Guide

Lender Participation Guide

GSFA Platinum® Program

This Participation Guide is intended solely for mortgage professionals. It provides lenders and real estate professionals with comprehensive program guidelines and outlines the steps for participating in or originating GSFA Platinum Program transactions. The guide is organized into tabs below for convenient reference.

NOTE: Homebuyers looking to apply for Golden Opportunities homebuyer assistance should reach out to a Participating Lender for detailed program guidelines, interest rates, APRs, and the application.

For promotion details, please view Bulletin #26-08.

Click on the tabs below to display contents.

GSFA Platinum® Term Sheets
Program Updates (Single-Family Bulletins)
Income Limits

GSFA does not impose limits on FHA, VA, and USDA loans originated through the GSFA Platinum Program. For any applicable income limits, please consult the guidelines of the respective loan agencies.

To check the income limits for Freddie Mac Conventional Loans originated through the GSFA Platinum Program, please use the income limit lookup tool below.

Forms
Reservation System
US Bank Approval (Master Servicer)

Obtain approval as a Correspondent Lender with Servicer, US Bank, HFA Division

  • US Bank Correspondent Lending
  • Toll-free (800) 562-5165 (no voice mail)
  • E-mail:
GSFA Approval

Complete and return to GSFA signed copies of the following documents:

US Bank Support
  • Lender Management
    • For new or reactivation package requests, general inquiries on new or existing lenders, all existing account inquiries.
    • E-mail:
  • Client Support
    • For HFA program related inquiries.
    • 1-800-562-5165, Option 2
    • E-mail:
  • HFA Customer Care
    • Contact for post-closing/pre-funding status requests, questions on deficiencies, pooling, and post-closing/pre-funding policies and procedures.
    • 1-800-562-5165, Option 1
    • E-mail:
  • Lenders can also refer to the HFA Lending Directory that is in the Lending Guide in AllRegs.
    • Website: www.usbank.com/correspondent
    • Scroll down to ‘Discover customized partnerships for HFA lending’ section
    • Select the Select the ‘HFA Guidelines’ link
Lender / Realtor Training

We provide a variety of resources to help mortgage and real estate professionals in understanding and utilizing the GSFA homeownership programs on our Lender/Realtor Training page.

These include:

  • Online Webinars
  • In-Person Events
  • Lender Updates & Insights Videos
  • Additional Resources
Lender Training

View the Training Calendar and other resources.

Marketing Templates - Customizable Literature

Note: The Platinum "Select" Promotion is valid May 1, 2026 - June 30, 2026. See Bulletin #26-08 for details.

Homebuyer Tri-fold Brochure - Lender/Realtor Template
Platinum "Select" Occupations Tri-fold Brochure - Lender/Realtor Template
Platinum "Select" Occupations Flyer - Lender/Realtor Template
Platinum "Select" USDA Tri-fold Brochure - Lender/Realtor Template
Platinum "Select" USDA Flyer - Lender/Realtor Template
Platinum "Assist-to-Own" Tri-fold Brochure - Lender/Realtor Template
Platinum "Assist-to-Own" Flyer - Lender/Realtor Template
Marketing Templates - Social Media Content

Note: The Platinum "Select" Promotion is valid May 1, 2026 - June 30, 2026. See Bulletin #26-08 for details.

"Select" Promo Post 01 - Lender/Realtor Template

Graphic Description:

A yellow and green GSFA promotional graphic advertising a limited-time opportunity for homebuyers in May and June. It highlights increased affordability for buying a home, offering up to 5% assistance including a 1.5% gift portion that doesn’t need to be repaid, with a call to start the homebuying journey today.

"Select" Promo Post 02 - Lender/Realtor Template

Graphic Description:

A GSFA promotional graphic featuring a couple holding a “Our First Home” sign, highlighting down payment assistance. The headline reads "Lower Your Cash to Close" and emphasizes up to 5% homebuyer assistance, including a gift portion of up to 1.5% that does not require repayment. The design emphasizes a limited-time May–June offer for homebuyers.

"Select" Promo Post 03 - Lender/Realtor Template

Graphic Description:

A GSFA promotional graphic featuring a small house model and stacks of cash to represent homebuying assistance. The headline reads "MORE HELP. LESS OUT OF POCKET." and highlights down payment and closing cost assistance, including up to 1.5% in gift funds that do not require repayment. The design emphasizes a limited-time May–June offer for homebuyers.

GSFA Platinum® Program

Down Payment Assistance Up to 5.5% — Not Limited to First-Time Homebuyers

Imagine what down payment assistance could do for your borrowers.

Program Overview

The GSFA Platinum Program offers financial assistance of up to 5.5% of the Loan Amount to eligible homebuyers in combination with various First Mortgage Loans, including Conventional, FHA, VA, and USDA loans. There is no requirement for applicants to be first-time homebuyers to qualify.

The assistance is provided in different forms, depending on the selected Program option and the amount of assistance.

Read More

Related Posts

Learning Center

Training, marketing and other resources to help you boost your business while helping homebuyers...

Educational Videos

Gain insights, updates, and tips to confidently promote GSFA programs. Watch real homebuyer stories, explore recent program enhancements, and more....

Subscribe

Get news and program updates from Golden State Finance Authority delivered directly to your e-mail inbox...

Achieve the Dream

With financial assistance to cover your down payment and/or closing costs, homeownership may be closer than you thought possible...

About Us
Legal