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Chenoa

Chenao 1 - Gift Option!

borrower can obtain the gift option which means no repayment at all (forgiven).

Do I Qualify?

Chenao 2 - Soft Second!

soft second which means no payments but will need to be in the home min 3 years to be forgiven.

Do I Qualify?

Chenao 3 - Repayable Option!

a 2nd mortgage is giving for the down payment amortized over 30 years like any 2nd lien.

Do I Qualify?


The Federal Goverment allocates funds each year. The State of California gets their share of the funds.

The State of California will allocate some of the funds for Gift Option, and some of the funds for Soft Seconds. Typically the gift funds get used first, so apply now!


Income Limitations. Qualifing for these funds is largely based on your annual income.

Here are the Income restrictions for these counties in California.

Riverside $70,610

Los Angeles $71,760

Orange $97,750

San Diego $84,525


Make over the income restriction? The Repayable Option Kicks in.

One of the biggest hurdles to purchasing your first home is the down payment. The Repayable option gives you the option to finance your down payment!


Browse Orange County Homes. These homes in Orange County California may qualify for this program.

Browse Orange County Homes

Browse Riverside County Homes. These homes in Riverside County California may qualify for this program.

Browse Riverside County Homes

Browse Los Angeles County Homes. These homes in Los Angeles County California may qualify for this program.

Browse Los Angeles County Homes

Browse San Diego County Homes. These homes in San Diego County California may qualify for this program.

Browse San Diego County Homes