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Government Loan Programs

Flexible Financing. More Paths to Homeownership.

Vision One Mortgage offers a variety of government-backed and homebuyer assistance programs designed to make financing more accessible for qualified borrowers.

Whether you're purchasing a home, looking for down payment assistance, or refinancing an existing government-backed loan, we can help you explore your options.

FHA Loans

FHA loans offer flexible financing options designed to make homeownership more accessible for qualified buyers.

FHA Purchase

  • Down payments as low as 3.5%
  • Flexible credit guidelines
  • Competitive fixed-rate financing
  • Gift funds permitted for eligible transactions
  • Available for qualifying 1–4 unit primary residences
  • Purchase and refinance options available

FHA 100% Financing

  • Up to 100% combined financing for qualified borrowers
  • FHA first mortgage combined with eligible down payment assistance
  • Assistance may cover the 3.5% FHA minimum down payment
  • Flexible FHA credit and qualifying guidelines
  • Primary residences only
  • Additional closing cost assistance may be available depending on the program

FHA Streamline Refinance

Already have an FHA loan? An FHA Streamline Refinance may offer a simpler way to refinance your existing mortgage.

  • Designed for homeowners with an existing FHA loan
  • No appraisal may be required
  • Reduced documentation requirements
  • Streamlined underwriting process
  • Opportunity to lower your interest rate and/or monthly mortgage payment

CalHFA & Down Payment Assistance

Helping California Homebuyers Get Home

Vision One Mortgage offers access to eligible CalHFA and down payment assistance programs that can help qualified California homebuyers overcome one of the biggest obstacles to homeownership — the upfront cost.

Dream For All

The California Dream For All Shared Appreciation Loan Program may provide significant down payment assistance to eligible California homebuyers when the program is available.

  • Designed to help eligible California homebuyers
  • Down payment assistance through a shared appreciation loan
  • Subject to CalHFA eligibility and program requirements
  • Program availability and funding are limited

MyHome Assistance Program

The MyHome Assistance Program can help eligible first-time homebuyers with the upfront costs of purchasing a home.

  • Down payment and/or closing cost assistance
  • Deferred-payment junior loan
  • Available to eligible first-time homebuyers
  • Can be paired with qualifying CalHFA first mortgage programs

Down Payment Assistance (DPA)

Additional down payment assistance options may be available to qualified homebuyers.

  • Assistance toward down payment
  • Closing cost assistance may be available
  • Multiple financing options depending on borrower eligibility
  • Ask us which programs may be available for your purchase

VA Home Loans

Home Financing for Those Who Served

VA loans offer exceptional home financing benefits for eligible Veterans, active-duty service members, and certain surviving spouses

  • Up to 100% financing for eligible borrowers
  • No monthly private mortgage insurance (PMI)
  • Competitive interest rates
  • Flexible qualification guidelines
  • Purchase and refinance options
  • VA Streamline / IRRRL refinance options
  • No prepayment penalty
  • VA funding fee may be financed when applicable

Find the Right Program for You

Not sure whether FHA, VA, CalHFA, or down payment assistance is the best option? Our experienced mortgage professionals can review your goals, answer your questions, and help you explore the financing programs available to you.

Explore Your Options | Contact a Loan Officer

All loan programs are subject to borrower and property qualification, underwriting approval, program eligibility, and availability. Rates, terms, loan limits, assistance amounts, and program guidelines are subject to change without notice. Government and down payment assistance programs may have additional income, occupancy, property, geographic, funding, or other eligibility requirements. FHA loans require mortgage insurance. 100% FHA financing refers to combined financing through an FHA-insured first mortgage and eligible subordinate financing or down payment assistance and does not mean FHA independently provides 100% loan-to-value financing. This is not a commitment to lend.