Hey there! Navigating the home-buying process can feel overwhelming, especially when you’re trying to make smart financial decisions. If you’re looking to make your new home more energy-efficient and save on utility bills, the CalHFA Energy Efficient Mortgage (Cal-EEM) + Grant Program might be just what you need.

Program Details

• Program Name: CalHFA Energy Efficient Mortgage (Cal-EEM) + Grant Program
• Source of Funding: California Housing Finance Agency (CalHFA)

Eligibility Criteria

• Residency: Must occupy the property as your primary residence.
• Credit Score: Minimum FICO score of 640 for automated underwriting approvals; 660 for manual underwriting.
• Income Limits: Must meet CalHFA income limits, which vary by county.
• First-Time Homebuyer Status: Not required for the Cal-EEM + Grant Program.
• Homebuyer Education: First-time homebuyers must complete an 8-hour Homebuyer Education course.

Benefits

• Increased Loan Amount: The
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