Making homeownership possible for Californians
Many first-time homebuyers* qualify for assistance. The Golden 1 On My Way program combines our own initiatives with access to special programs from the California Housing Finance Agency (CalHFA) and the Federal Home Loan Bank (FHLB) to help make homeownership more attainable for Californians.
On My Way Program FAQs
From dreaming to moving in, here's what to expect
*A first-time homebuyer is defined as someone who has not owned and occupied their home in the last three years, and who has not lived in a home owned by a spouse in the past three years.
1 CalHFA first-time homebuyer programs are available. All homebuyers must meet CalHFA borrower and property eligibility requirements including income and credit requirements.
2All loans subject to approval. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and property conditions.
3To be eligible for this loan you must meet credit requirements and have an income at or below 80% of the Annual Median Income (AMI). If all occupying borrowers have not owned a home in the past three years, at least one borrower on the home loan will need to complete a homebuyer education course. A first-time homebuyer is a person who has not have ownership interest in a residential property in the last three years.
Golden 1 Credit Union is not part of any government agency, nor do we represent or have the endorsement of HUD, FHA, the U.S. Government, or any federal, state, or local government agency.
