Official program database FirstResponderHomePrograms

Public facts first. Not a lender.

Decision Pack

Turn free research into a decision-ready homebuyer plan

Start with the free public pages. Pay only when you need a stronger shortlist, deeper state leads, comparison output, risk checks, and lender-call prep tied to your own path.

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  • Save only the programs still worth comparing
  • Keep one main path and one fallback path visible
  • Turn a thin public search into a clearer next-step plan

Free vs Paid

Keep public facts free. Pay for stronger output.

Free covers public facts and source links. Paid adds the deeper leads, structured comparison output, and call prep tied to your own scenario.

Free

Public program research

  • Browse verified program summaries
  • Read official links and source dates
  • Check baseline eligibility and repayment notes
  • Decide whether a program is worth carrying further
Paid Decision Pack

Shortlist, comparison, and deeper state leads

  • Save programs into one shortlist
  • Compare two scenarios side by side
  • Open deeper state and specialty leads
  • Catch conflicts, overlap risks, and lender-fit friction
  • Generate lender questions and action checklist
  • Receive one access-ending reminder email before the 180-day window closes

Real sample

See the shape of the paid output before you buy

This sample is generated from current public program data. It shows the format of the comparison row, risk checks, lender questions, and next-step checklist that paid access produces.

Example paid output for 2 programs. The free page stays visible either way.

Comparison preview

CalHFA Homebuyer Programs

Amount: 3.5% of the sales price or appraised value, whichever is less, for CalHFA FHA and CalPLUS FHA first mortgages; 3.0% of the sales price or appraised value, whichever is less, for CalPLUS Conventional, CalHFA Conventional, CalHFA USDA, and CalHFA VA first mortgages.

Repayment: Payments are deferred for the life of the first loan; principal and interest become due on transfer of title, sale of the property, payoff or refinance of the first loan, or formal filing or recording of a Notice of Default unless rescinded.

First-time buyer: Unknown

Risk checks preview

What gets flagged before you call a lender

  • CalHFA Homebuyer Programs requires a participating lender.
  • CalHFA Homebuyer Programs can trigger repayment on sale or refinance.

Lender questions preview

Questions tied to this exact path

  • Does CalHFA Homebuyer Programs require a participating lender for this household and loan setup?
  • Which events trigger repayment for CalHFA Homebuyer Programs: sale, refinance, transfer?

Action checklist preview

What you would do next

  • Confirm whether CalHFA Homebuyer Programs requires a participating lender.
  • Review the official MyHome program handbook for CalHFA Homebuyer Programs.
See the full paid layer

Private workspace

What paid access adds after the free layer

This is where a good public lead turns into a usable shortlist, deeper state path review, risk check, and lender-call prep.

Research Vault

450+ research records

Open the local, specialty, conditional, historical, and blocked paths that do not fit on the free statewide layer.

See deeper state leads
Scenarios

1 main + 1 backup path

Save a primary route and a fallback route so the comparison output stays grounded in one real purchase plan.

See shortlist output
Conflict checks

See overlap risk and lender friction faster

Keep occupancy triggers, repayment friction, stacking conflicts, and call-prep questions in one paid surface before lender calls.

See risk checks