Golden State Finance Authority (GSFA) provides access to mortgage financing, down payment assistance, and mortgage credit certificates for California homebuyers.
GSFA also provides financing for homeowners making energy efficiency improvements to residential property(ies) they own.
Explore the programs below to learn more.
Down
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GSFA provides down payment assistance (DPA) programs to help California homebuyers purchase a home with little-to-no money out of pocket. Programs are available for purchase or refinance of a primary residence anywhere in California and there is no first-time homebuyer requirement to qualify. To learn more, click on the individual program below: |
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Mortgage |
GSFA provides a tax credit certificate to qualifying homebuyers through the issuance of a Mortgage Credit Certificate (MCC). With an MCC, the homebuyer is eligible to take a portion of the interest paid on the mortgage as a special tax credit each year. The GSFA MCC® Program provides a 20% MCC for eligible homebuyers in over 44 counties of California. |
Energy |
(NEW) The incentives provided through this program focus on installation of energy storage technologies to service communities most impacted by Public Safety Power Shut-off events and/or located in Tier II or Tier III high fire threat districts. |
Energy |
GSFA supports California's goal to reduce energy consumption while also helping the local economy through job creation and retention. With the GSFA Residential Energy Retrofit Program, qualifying homeowners in 44 counties of California can finance energy efficiency measures with a low interest rate loan up to $50,000. |
Multi-Family |
GSFA is now accepting applications for its Multi-Family Finance Program. |
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I did not inform my daughter that the home was actually ours until AFTER I had signed my closing papers. I picked her up from school early on 10/31/13 (Halloween). we drove the new home and pulled in the driveway. She looked at the housing for sale sign and saw that it said "SOLD" on the bottom. Tears just started flowing from her eyes. Her response to me was "Mom, I am so proud of you!
