Today's market holds tremendous opportunities for first-time buyers and the REALTORS® dedicated to assisting them in their first home purchase. Housing affordability is at historic highs in many areas as low mortgage rates, government tax credits, and lower home prices have continued to make the goal of homeownership within reach for every California household--but they can't do it alone. They need you, the California REALTOR®, with the skills and market knowledge to navigate through this often difficult process of buying a home. While, these transactions do take a little more effort and preparation on the part of the REALTOR® and the home buyer, there is no greater reward than getting that family into their first home.

The CALIFORNIA ASSOCIATION OF REALTORS® has developed this guide as an introduction to the programs currently available to potential California home buyers from local, state, and federal agencies. With this guide, you'll learn the basics of working with these programs and some practical tips to help you avoid the common pitfalls. For those areas not represented in this document, you are encouraged to check with your local city or county government for details on programs specific to your area.

Be sure to use this valuable information with your clients.
C.A.R. Financing Guide for California Home Buyers