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Ready to buy a House? Here is the San Diego First Time Home Buyer Down Payment and Closing Cost Assistance Programs Overview – updated 2024

Worried that you can’t afford a down payment on a home? Or concerned about making the Closing Costs for your purchase – Here’s some good news: If you’re a first-time or Low – and moderate – income homebuyer, you might qualify for down payment, or Closing Cost assistance to help you buy a home, Even here in San Diego!

As a first-time home buyer, you have access to mortgage programs with low down payments and flexible guidelines. You may even qualify for a grant to help with your down payment and closing costs.

Your eligibility for these assistance Will depend on your debt, current credit score, income, employment status, and down payment! CAll Karen or Brad to get more information – 858-668-8004 and to help direct you to the right direction

The County of San Diego has partnered with the San Diego Housing Commission (SDHC) to administer the Downpayment and Closing Cost Assistance (DCCA) Program. This program is funded primarily through federal U.S. Department of Housing and Urban Development (HUD) HOME Investment Partnerships Program grants to the City of San Diego that are administered by SDHC.

Download MyHome Down Payment and Closing Cost Assistance Program Handbook & guide

Overview

Information for Homebuyers regarding the San Diego County First Time Home Buyer Assistance Programs

How do you qualify for a first-time home buyer program in the USA? 

A first-time home buyer is anyone who has not owned their primary residence in the last three years, according to the US government’s definition. That three-year cut-off point is based on the upcoming purchase property closing date. (The date of the mortgage application does not impact eligibility for certain first-time home buyer program benefits.)  

First-time home buyers can gain access to assistance programs and home loans that repeat home buyers might not be privy to. If you have owned a property previously, perks open to first-time buyers may still be open to you (if, as mentioned, you have not owned a home in at least three years). First-time home buyers can also include:  

  • Single parents 
  • Children 
  • Displaced homemakers 
  • Renters 
  • People living rent-free 

Low-income, first-time homebuyers may qualify for a low-interest, deferred payment loan of up to 17% of the purchase price for down payment assistance and 4%, up to $10,000 in closing costs assistance.
CALHFA – Sales Price of the home cannot exceed $1,068,000
The maximum first mortgage loan amount cannot exceed current applicable FHA, USDA or VA loan
limits for the county in which the property is located.
• The maximum loan amount for a VA loan is The FHFA High-Cost Loan Limit

Income Limits For the *CALHFA Loans
Income cannot exceed CalHFA Income Limits
Minimum Credit Score for the *CALHFA Loans
• The minimum credit score is 620 Minimum / 640 is Average for all Government Loans
• Borrower(s) with no credit score are not permitted
• Non-traditional credit is not accepted
CalHFA FHA or CalPLUS FHA must have a minimum credit score of 660 under the
following scenarios:
› Manually underwritten loans
› Manufactured housing

Let’s look at some of typical first-time home buyer qualifications: 

  • Credit score: 620 minimum 
  • Down payment: 3% minimum 
  • Debt-to-income ratio: Less than 43% 
  • Steady income: even self-employed people can get mortgages 
  • Two-year employment history 
  • Clean credit score 

The San Diego Housing Commission (SDHC) offers deferred loans, homeownership grants, and mortgage credit certificates to help low- and moderate-income families buy their first homes.

The SDHC First-Time Homebuyer Program* can assist with the purchase of a single-family home, townhome or condominium in the City of San Diego.

This program is funded primarily through federal U.S. Department of Housing and Urban Development (HUD) HOME Investment Partnerships Program grants to the City of San Diego that are administered by SDHC.

Additional funding sources include federal Community Development Block Grant funds, State CalHome Program funds, and City of San Diego Affordable Housing Funds.

Since 1988, SDHC has helped more than 5,800 families and individuals buy their first homes.

*SDHC First-Time Homebuyer Program loans and grants cannot be used in conjunction with the Affordable For-Sale Housing Program.

In addition to City of San Diego, SDHC administers the following other programs for neighboring jurisdictions:

The following list includes many of the loan programs available to residents of San Diego and Imperial Counties. You should check with local lenders about the loan packages that may interest you and for which you may qualify.

Note : The City of San Diego and County of San Diego first-time homebuyer programs have different eligibility requirements and features.

Program Descriptions and Guidelines

Each first-time homebuyer program SDHC administers has different eligibility requirements and features. See the program descriptions and guidelines below.

City of San Diego Low-Income (<80% AMI) Program (ZIP Codes beginning with 921)
Available Assistance Deferred-payment Loan for down payment: Up to 25% of the purchase price Not to exceed $125,000
Grant for closing costs (forgiven): 4% of the purchase price up to $10,000
Interest Rate 3% Simple Interest
Income Limit 80% of San Diego’s Area Median Income
(For forgivable loans for closing costs, the maximum income is 100% of Area Median Income.)
Maximum Purchase Price Attached: $603,250
Detached: $1,030,750
Effective December 2022
Funding Availability
(as of November 6, 2024)		 Limited Funding. Remaining funding will be allocated on first come, first served basis.  Applicants must be under contract to apply.
Additional Information Program Guidelines
Additional Terms No payments are required for 30 years, unless the owner sells or no longer occupies the home as a primary residence, at which time the principal balance, including accrued interest, must be repaid.
To qualify, the buyer must obtain a fixed-rate first trust deed loan; have adequate income, a good credit rating; and provide a minimum down payment of 1 percent, and maximum down payment of 20 percent. Applicants also must attend a homebuyer education class and pre-purchase counseling.
City of San Diego (ZIP Codes beginning with 921)
Available Assistance
Deferred-payment Loan for down payment: Up to 25% of the purchase price. Not to exceed $125,000.
Grant for closing costs (forgiven): 4% of the purchase price up to $10,000
Interest Rate 1.5% Simple Interest
Income Limit 80% of San Diego’s Area Median Income
(For forgivable loans for closing costs, the maximum income is 100% of Area Median Income.)
Maximum Purchase Price Attached: $603,250
Detached: $1,030,750
Effective December 2022
Funding Availability
(as of November 6, 2024)		 Limited Funding. Remaining funding will be allocated on first come, first served basis.  Applicants must be under contract to apply.
Additional Information Program Guidelines
Additional Terms The Loan is deferred with no monthly payments required for years 1 through 7.  Beginning in year 8, the outstanding principal and interest will be converted to an amortized loan with fixed monthly payments for a period of 96 months. There is no prepayment penalty, and payments can be made at any time.
County of San Diego Low-Income (<80% AMI) Program (12 participating cities and unincorporated areas – See Program Guidelines for specific cities)
Available Assistance Deferred-payment Loan for down payment: Up to 22% of the purchase price
Loan for closing costs: 4% of the purchase price up to $10,000
Interest Rate 3% Simple Interest
Income Limit 80% of San Diego’s Area Median Income
Maximum Purchase Price Attached: $698,000
Detached: $698,000
Effective September 2024
Funding Availability
(as of February 1, 2024)		 Funds Available
Additional Information Program Guidelines (Low-Income, 80% AMI)
Additional Terms No payments are required for 30 years, unless the owner sells or no longer occupies the home as a primary residence, at which time the principal balance, including accrued interest, must be repaid.To qualify, the buyer must obtain a fixed-rate first trust deed loan; have adequate income, a good credit rating; and provide a minimum down payment of 3 percent. Applicants also must attend a homebuyer education class and pre-purchase counseling.
County of San Diego Middle-Income (80% – 120% AMI) Program (6 participating cities and unincorporated areas – See Program Guidelines for specific cities)
Available Assistance Deferred-payment Loan for down payment: Up to 22% of the purchase price
Loan for closing costs: 4% of the purchase price up to $10,000
Interest Rate 3% Simple Interest
Income Limit 120% of San Diego’s  Area Median Income
Maximum Purchase Price Attached: $698,000
Detached: $698,000
Effective September 2024
Funding Availability
(as of December 1, 2022)		 Funds Available
Additional Information Program Guidelines (Low-Income, 80% AMI)
Additional Terms No payments are required for 30 years, unless the owner sells or no longer occupies the home as a primary residence, at which time the principal balance, including accrued interest, must be repaid.To qualify, the buyer must obtain a fixed-rate first trust deed loan; have adequate income, a good credit rating; and provide a minimum down payment of 3 percent. Applicants also must attend a homebuyer education class and pre-purchase counseling.
City of Chula Vista
Available Assistance Deferred-payment Loan: Up to 22% of the purchase price—not to exceed $120,000—for down payment and closing costs
Interest Rate 3% Simple Interest
Income Limit 80% of San Diego’s Area Median Income
Maximum Purchase Price Attached: $698,000
Detached: $698,000
Effective September 2024
Funding Availability
(as of February 1, 2024)		 Funds Available
Additional Information Program Guidelines
Additional Terms No payments are required for 30 years, unless the owner sells or no longer occupies the home as a primary residence, at which time the principal balance, including accrued interest, must be repaid.
To qualify, the buyer must obtain a fixed-rate first trust deed loan; have adequate income, a good credit rating; and provide a minimum down payment of 3 percent. Applicants also must attend a homebuyer education class and pre-purchase counseling.
City of El Cajon
Available Assistance Deferred-payment Loan: Up to 22% of the purchase price—not to exceed $150,000 for single-family homes and townhomes OR $100,000 for condominiums—for down payment and closing costs
Interest Rate Shared Equity
(see Program Guidelines)
Income Limit 80% of San Diego’s Area Median Income
Maximum Purchase Price Attached: $698,000
Detached: $698,000
Effective September 2024
Funding Availability
(as of February 1, 2024)		 Funds Available
Additional Information Program Guidelines
Additional Terms No payments are required for 30 years, unless the owner sells or no longer occupies the home as a primary residence, at which time the principal balance, including accrued interest, must be repaid.
To qualify, the buyer must obtain a fixed-rate first trust deed loan; have adequate income, a good credit rating; and provide a minimum down payment of 2 percent. Applicants also must attend a homebuyer education class and pre-purchase counseling
Program Funding Availability as of January 1, 2022
City of San Diego Down Payment & Closing Cost Assistance Funds available
City of San Diego Closing Cost Forgivable Loan Funds available
City of San Diego Mortgage Credit Certificate None available.  No funding is anticipated in 2022.
County Of San Diego Down Payment & Closing Cost Assistance Funds available

VA (Veterans Affairs): Insured by the Veterans Affairs Department of the federal government. VA loans are available through lending institutions; however, only eligible military veterans may apply.

CalVet: Only those veterans purchasing property in California and who were released honorably from active duty, having served at least 90 consecutive days during periods of war, are eligible for these loans.

FHA (Federal Housing Administration): Administered through the federal Department of Housing and Urban Development (HUD), these loans are available from approved lenders. For more information, contact a lender of your choice or view the HUD website www.hud.gov.

MyHome Assistance Program download your MYHome Assistance Guide here – CalHFA Government Loans (FHA): MyHome offers a deferred-payment junior loan of an amount up to the lesser of 3.5% of the purchase price or appraised value to assist with down payment and/or closing costs.
CalHFA Government Loans (FHA): MyHome offers a deferred-payment junior loan of an amount up to the lesser of 3.5% of the purchase price or appraised value to assist with down payment and/or closing costs.

CalFHA (California Housing Finance Agency): These loans are available through many of the established mortgage banking firms for first-time homebuyers.

FANNIE MAE (Federal National Mortgage Association): The Community Home Buyers Program (CHBP) is a mortgage program that was created by Fannie Mae in partnership with mortgage lenders and mortgage insurance companies. These companies work closely with state and local governments, as well as community groups, to provide affordable homeownership opportunities.

GSFA Platinum Program

California’s Golden State Finance Authority (GSFA) created the Platinum Program, which provides low-to-moderate income California homebuyers with down payment and/or closing cost assistance to help them achieve their goals of purchasing a home.

HUD is Online

The U.S. Department of Housing and Urban Development has one of the most widely recognized and award winning websites within the Federal Government. This site is a place where citizens, local governments, community organizations and elected officials can access information on all HUD programs, grants and services. In addition, local information is available about HUD homes and local investment and expenditures of HUD dollars.

www.hud.gov

espanol.hud.gov

Additionally, HUD Home sales in San Diego and Imperial Counties are administered by a marketing and management contractors. To view the list of available properties for sale go to: www.hudhomestore.gov

This site will give you a complete guide and description of the home buying process including broker information, updated property listings, the bidding process and details of various single family homebuyer programs such as Good Neighbor Next Door.

The HUD Santa Ana Homeownership Center (SAHOC) monitors all HUD Homes sales contractors in Southern California. If you have any questions, comments, or complaints, please call the FHA Resource Center at: (800) Call FHA / (800) 225-5342
TTY: (877) TDD2HUD or (877) 833-2483 or dial 7-1-1 (Not available in all areas.)

Special Programs

ADU Grant Program

The Accessory Dwelling Unit (ADU) Grant Program will create more housing units in California by providing a grant of up to $25,000 to reimburse pre-development costs associated with the construction of the ADU.

Applying for the First-Time Homebuyer Programs

  1. Contact a loan officer from our Participating Lender list. The loan officer will be the primary point of contact from pre-approval to loan closing. The loan officer collects all required documentation and submits the application on the borrower’s behalf to SDHC.
  2. Review San Diego’s Area Median Income (AMI) limits to confirm your household annual gross income (before taxes) does not exceed the limit for your family size. This includes the income of all adult household members.
  3. Review the program descriptions and guidelines for the appropriate jurisdiction (e.g., City of San Diego, County of San Diego etc.) found below under Forms and Documents.
  4. Attend a Homebuyer Education Course with an SDHC-approved provider.
  5. Work with a real estate agent to find a property.

Let us help you achieve
the dream of owning
your own home

Download MyHome Down Payment and Closing Cost Assistance Program Handbook & guide 

City of San Diego

3% Interest, Deferred-Payment Loan Program
Eligible buyers earning no more than 80 percent of San Diego’s AMI may qualify for a deferred-payment, second trust deed loan of up to 22 percent of the purchase price (based on the buyer’s need), with the interest rate set at 3 percent.

No payments are required for 30 years, unless the owner sells or no longer occupies the home as a primary residence, at which time the principal balance, including accrued interest, must be repaid.

To qualify, the buyer must obtain a fixed-rate first trust deed loan; have adequate income, a good credit rating; and provide a minimum down payment of 3 percent. Applicants also must attend a homebuyer education class.

Homeownership Grant Program
Buyers earning no more than 80 percent of San Diego’s AMI are eligible for closing cost assistance of up to 4 percent of the purchase price, not to exceed $10,000.

Homeownership Grant funds for closing cost assistance will be forgiven at escrow closing. May only be applied for in conjunction with the 3% Interest, Deferred-Payment Loan Program.

Closing Cost Forgivable Loan Program
Buyers earning no more than 100 percent of San Diego’s AMI are eligible for closing cost assistance of up to 4 percent of the purchase price, not to exceed $10,000.

Assistance is forgiven at the end of 6 years as long as the property remains owner occupied and there are no further encumbrances.

Mortgage Credit Certificate – Program funding will not be available in 2022
Qualified homebuyers with income not exceeding 140 percent of San Diego’s AMI may claim a Federal income tax credit of 20 percent of the annual interest paid on their mortgage. The tax credit is a dollar-for-dollar reduction in the homebuyer’s Federal tax liability that increases the household income available to qualify for a mortgage loan and make monthly mortgage payments. Buyers may be subject to a recapture tax if they sell the home within the first nine years.

County of San Diego

Eligible families with incomes at or below 80 percent of AMI may apply for a 3 percent interest, deferred-payment loan of up to 17 percent of the purchase price for down payment plus up to 4 percent of the purchase price for closing costs to purchase a single-family home, townhome or condominium in one of the County of San Diego program areas.

All buyers interested in applying for assistance under the County of San Diego program must apply through an SDHC-approved lender.

Lenders

  • Find A CalHFA approved Lender who will qualify you for a home loan – or contact Karen at 858-668-8004 or Brad at 858-518-2875 for us to help you get a Vetted Lender
  • For more information, please contact: The San Diego Housing Commission First Time Homebuyer Program staff – email.
  • To participate, in the County of San Diego’s DCCA Program, you must first apply for and obtain a first trust deed loan approval through one of the mortgage lenders pre-approved by SDHC.

    The City of San Diego and County of San Diego first-time homebuyer programs have different eligibility requirements and features.

First Mortgage Programs

Government Loans

CalHFA FHA Loan Program
The CalHFA FHA Program is an FHA-insured loan featuring a CalHFA 30 year fixed interest rate first mortgage.

CalPLUS FHA Loan Program
The CalPLUS FHA program is an FHA-insured first mortgage with a slightly higher 30 year fixed interest rate than our standard FHA program and is combined with the CalHFA Zero Interest Program (ZIP) for closing costs.

CalHFA VA Loan Program
The CalHFA VA program is a VA-insured loan featuring a CalHFA fixed interest rate first mortgage. This loan is a 30-year fixed interest rate first mortgage.

CalHFA USDA Program
The CalHFA USDA Program is a USDA Guaranteed first mortgage loan program, which can be combined with the MyHome Assistance Program (MyHome). This loan is a 30-year fixed interest rate first mortgage.

Conventional Loans

CalHFA Conventional Loan Program
The CalHFA Conventional program is a first mortgage loan insured through private mortgage insurance on the conventional market. The interest rate on the CalHFA Conventional is fixed throughout the 30-year term.

CalPLUS Conventional Loan Program
The CalPLUS Conventional program is a conventional first mortgage with a slightly higher 30 year fixed interest rate than our standard conventional program and is combined with the CalHFA Zero Interest Program (ZIP) for closing costs.

Contact us to get more information or text /call 858-518-2875

PROGRAM OVERVIEW

Buyer:

  • You must occupy the property as your primary place of residence.
  • You must contribute a minimum of three percentof the purchase price from your own funds.
  • You must not have owned a home or been on title of a home within the last three years.
  • You must complete a HUD/CalHome Approved Homebuyer Education class.
  • The total gross annual income of the entire household must not exceed 80 percent of the San Diego County Area Median Income (AMI).
  • You must receive the maximum first mortgage loan for which you qualify. DCCA/CalHome loan cannot exceed 22 percent of total purchase price. Plus 4 percent up to $10,000 for closing costs. 

Property Guidelines:

  • The property must be located within the DCCA / CalHome jurisdictional boundaries.
  • The property may be a new or resale single-family detached unit, condominium, townhouse or a manufactured home on a permanent foundation.
  • The property must be vacant or occupied by the seller/owner, or the DCCA/CalHome applicant; and must not have been vacated by the previous renters within the last 30 days.
  • The property must be free from any health & safety defects and lead-based paint hazards. Prior to final loan approval, a Housing Quality Standards (HQS) inspection will be conducted to verify condition of property. Proof of initial building permit issuance must be provided.
  • Occupancy Ratio: No more than 2 people per living space (living space includes bedrooms, living room, family room, den/study).
  • You must obtain flood insurance if the property is located in a flood plain.
  • The property must be a single-family, one-unit residence, including approved condominium/PUDs (Guest houses, granny units and in-law quarters may be eligible)
  • Manufactured housing on a permanent foundation is allowed when combined with a FHA first mortgage

DCCA/CalHome Jurisdictional Areas Includes:

  • The unincorporated areas of the County of San Diego and the cities of: Carlsbad, Coronado, Del Mar, Encinitas, Imperial Beach, La Mesa, Lemon Grove, Poway, San Marcos, Santee, Solana Beach and Vista. Please see County of San Diego DCCA Jurisdiction.

How to Apply:

  • The County of San Diego has partnered with the San Diego Housing Commission (SDHC) to administer the Downpayment and Closing Cost (DCCA) Program. To participate in the County of San Diego’s DCCA program, you must first apply for and obtain a first trust deed loan approval through one of the mortgage lenders pre-approved by SDHC.
  • A complete list of mortgage lenders pre-approved by SDHC is at: First Time Homebuyers Approved Lender List. Updated 2023

The information contained in this site is provided for informational purposes only, and should not be construed as legal advice on any subject matter. You should not act or refrain from acting on the basis of any content included in this site without seeking legal or other professional advice.

County of San Diego

Eligible families with incomes at or below 80 percent of AMI may apply for a 3 percent interest, deferred-payment loan of up to 17 percent of the purchase price for down payment plus up to 4 percent of the purchase price for closing costs to purchase a single-family home, townhome or condominium in one of the County of San Diego program areas.

All buyers interested in applying for assistance under the County of San Diego program must apply through an SDHC-approved lender.

Areas Served by 
Housing and Community Development Services programs

Community Development Block Grant (CDBG)  

CDBG serves all of the San Diego County unincorporated areas and six participating cities: Coronado, Del Mar, Imperial Beach, Lemon Grove, Poway and Solana Beach.

Down payment and Closing Cost Assistance (DCCA)
CalHOME Program

DCCA serves the unincorporated areas of San Diego County and the cities of Coronado, Del Mar, Encinitas, Imperial Beach, La Mesa, Lemon Grove, Poway, San Marcos, Santee, Solana Beach and Vista.

Emergency Solutions Grant (ESG)

ESG serves the unincorporated areas of San Diego County and the cities of Coronado, Del Mar, Imperial Beach, Lemon Grove, Poway and Solana Beach.

Fair Housing

Fair Housing policies are supported in the unincorporated areas of San Diego County and the cities of Coronado, Del Mar, Imperial Beach, Lemon Grove, Poway and Solana Beach.

HOME Investment Partnerships

San Diego County unincorporated areas and the cities of Carlsbad, Coronado, Del Mar, Encinitas, Imperial Beach, La Mesa, Lemon Grove, Poway, San Marcos, Santee, Solana Beach and Vista are served by the HOME Investment Partnerships program.

Home Repair Program

The unincorporated areas of San Diego County and the cities of Coronado, Del Mar, Imperial Beach, Lemon Grove, Poway and Solana Beach are served by the Home Repair Program.

Moderate Rehabilitation Housing

These units are in El Cajon and Lakeside.

Project-based Voucher Program

These complexes are in Fallbrook and Vista.

Public Housing / Farm Worker Housing

These units are in Chula Vista and San Marcos

Regional Continuum of Care Council

The Regional Continuum of Care Council (RCCC) serves as the coordinating body charged with the responsibilities required under the Homeless Emergency Assistance Rapid Transition to Housing (HEARTH) Act.  The RCCC includes all of the geography within the County of San Diego, including 18 incorporated cities and all unincorporated areas.

Section 8 Housing Choice Voucher and Other Rental Assistance Programs ** Not available currently in San Diego County

Areas served by the Housing Authority of the County of San Diego (HACSD)

For more details, please see Section 8 Housing Choice Voucher – Areas Served.

  Alpine  Guatay  Ramona
  Bonita    Imperial Beach San Marcos
  Bonsall   Jamul   Santa Ysabel
  Borrego Springs  Julian  Santee
  Boulevard   Lakeside  Solana Beach
  Chula Vista  La Mesa Spring Valley
  Coronado   Lemon Grove Tecate
  Del Mar  Lincoln Acres Valley Center
  Descanso   Pala Vista
  Dulzura   Pauma Valley  Warner Springs
  El Cajon Pine Valley  Unincorporated
  Escondido Potrero   
  Fallbrook Poway  

Forms & Documents

City of San Diego Guidelines (Low-Income, <80% AMI)

County of San Diego Guidelines (Low-Income, 80% AMI)

City of Chula Vista Guidelines

City of El Cajon Guidelines

Area Median Income Chart

FTHB Program Summary Chart

Approved Home Inspectors

Homebuyer Education and Pre-Purchase Counseling Providers

Participating Lenders

SEE ALSO SAN DIEGO FIRST TIME HOMEBUYER DOWN PAYMENT AND LOAN ASSISTANCE PROGRAMS
https://homesinsdcounty.com/real-estate-blog/san-diego-first-time-homebuyer-down-payment-and-loan-assistance-programs/

REAL ESTATE GLOSSARY FOR THE FIRST TIME HOMEBUYER
https://homesinsdcounty.com/real-estate-blog/real-estate-glossary-for-the-first-time-homebuyer/

CalHFA Conventional Loan Programs Matrix DOWNLOAD HERE

CalHFA-Conventional-Loan-Programs-Matrix-TOOL-PDF-DOWNLOADDownload

CALHFA GOVERNMENT LOAND PROGRAMS MATRIX DOWNLOAD

CALHFA-GOVERNMENT-LOAN-MATRIX-TOOL-PDF-DOWNLOADDownload

Download MyHome Home Purchase Assistance Program payment Handbook and guide

Down payment money is out there.

We’ll help you find it

Owning your home is the American dream, we can make it come true
For approved lenders A CalHFA approved Lender will qualify you for a home loan – or contact
us directly email or text to get you an immediate referral of an approved and vested vendor
858-518-2875
bmattonenrealtor@gmail.com

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Realizing the Dream: Partnering with HomesinSDCounty | Coldwell Banker Realty

At HomesinSDCounty | Coldwell Banker Realty, Karen and Brad Mattonen are committed to empowering first-time homebuyers to realize their dreams of homeownership. They offer:

  1. Expertise in down payment assistance programs: Karen and Brad Mattonen stay up-to-date with the latest down payment assistance programs, ensuring that their clients have access to the most relevant and beneficial options available.
  2. Personalized support: They understand that every first-time buyer’s situation is unique. Karen and Brad provide one-on-one guidance, addressing concerns, and offering tailored solutions to help clients achieve their homeownership goals.
  3. Extensive network: HomesinSDCounty | Coldwell Banker Realty has established connections with trusted professionals, including lenders, real estate agents, and housing counselors who specialize in working with first-time buyers. This network ensures clients have access to the resources and expertise needed for a successful homebuying journey

Contact Information:

Karen and Brad Mattonen, HomesinSDCounty | Coldwell Banker Realty Phone: 858-518-2875 Website: www.homesinsdcounty.com

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Working With The Team at HomesinSDCounty to assist you in buying or Selling Your San Diego County, CA Home Will Be A Quick, Efficient And Simple Process

As One of the more trusted real estate brokers in San Diego County, CA Area, our mission is to help you make Your home buying or selling process easier, while keeping more of your hard-earned equity in your pocket.

From start to finish we take care of everything so you can live your life while we worry about the details.

  • As your Realtor, we aim to guide you through a purchase or sale transaction that is both legally compliant and safe for all parties involved. Your security and satisfaction are our top priorities.
  • Our commitment as your Realtor is to help mitigate any major issues that may arise in your new home, sale, or purchase transaction. We’re here to ensure a smooth process and address any concerns along the way.
  • Most importantly, we are committed to maximizing the profit and value for our valued clients, ensuring that you receive the best possible outcome.

The most important thing that a Real Estate Agent Does every day? The one thing we enjoy and appreciate –

We make Dreams come true for our clients 🙂

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Real estate can be a complex and ever-changing industry, which is why the team at www.homesinsdcounty.com  is committed to staying informed and up-to-date on the latest market trends and innovative strategies. Whether you’re looking to buy your dream home or sell for top dollar, we can provide you with the knowledge, expertise, and support you need to achieve your goals.

Ready to buy or sell a property? Don’t navigate the maze alone – give us a call today and let us guide you every step of the way. Don’t wait, contact us today! 🏠👍

We are also here to help you with any questions or needs you may have in any City or State in the USA. We work with an Amazing Team of Agents throughout the USA and Globally – We Can connect you with a reliable member of our National network if you need one.

If you have friends, family or neighbors who are considering buying or selling a home, we at HomesinSDCounty would love to assist them. And please don’t hesitate to call me if there’s anything we can do for you!

Homes in San Diego – Find Local San Diego houses and Real Estate for Sale or Rent – Homes in San Diego County | Coldwell Banker. Raise your hand and let us make your real estate dreams a reality! 🏡🌟

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Make sure to Look up Homes in San Diego County – Karen and Brad Mattonen when looking for ” real estate companies near me or real estate agents near me “
To get More information on the Many Frist Time Home Buyer programs here in San Diego County, and how we can help you find the Home of your dreams contact Brad or Karen Mattonen = Your San Diego First Time Home Buyer Real Estate Specialist

bmattonen@gmail.com
858.518.2875

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