Have you heard of the CalHFA loan? As a buyer, you can choose either an FHA or a conventional loan for 97 percent of the purchase price, with a second loan for 3 percent (to cover the down payment). There is zero interest and NO payments ever. It gets even better; get a third loan for 2 percent of the first loan amount to cover most if not all of the closing costs with no payments or interest on this loan either.

If your credit score is 620 or higher, you may be eligible to buy a home! The only caveat is that if you sell or refinance, you have to pay off the loan. 
This opportunity is a fantastic chance to get into your dream home! 

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