Make homeownership a reality with our assistance.
Mortgage Lending & Homebuying Assistance
My Way Home is a community-based nonprofit lender providing mortgage financing and home buying assistance throughout the Central Coast and Southern California. What makes us different? We are dedicated to creating equitable opportunities for all, with a focus on supporting low-and moderate-income homebuyers. Instead of directing earnings to shareholders, every dollar generated goes right back into advancing our mission.
We pride ourselves on personal service, you’ll never be just a number. Each loan is tailored to fit the buyer’s unique situation, and we partner closely with your real estate agent to make your offer stand out in today’s competitive market.
Access affordable home loans and thousands in down payment assistance, while we guide you toward confident, healthy financial decisions.
Your homeownership journey is unique, and we would be honored to be part of it. With personalized loan solutions, down payment help, and a team that truly cares, we’ll make the process feel less overwhelming, and more possible.
Here’s what we offer:
→ Loans for both first-time and repeat homebuyers.
→ Programs tailored for low- and moderate-income households.
→ Thousands of dollars in down payment and closing cost assistance.
→ Lower fees compared to traditional loan programs.
→ Flexible options for those with limited credit history.
→ Specialized products for active-duty service members, veterans, reservists, and surviving spouses, including no down payment options, reduced closing costs, and more.
Ready to take the next step toward homeownership?
Lending
Homebuying Assistance Programs
Saving for a down payment or closing costs is one of the biggest hurdles for California homebuyers and we’re here to help clear the path. Our Lending Team works with you to unlock every resource available for down payment and closing cost assistance.
Through programs like WISH, CalHome, My Home and Hope to Home, we’ve already helped families secure nearly $16 million in assistance, making the dream of homeownership possible for low- and moderate-income buyers.
Scroll down to explore the programs we offer and discover how they can bring you closer to your new home.
Ready to Buy a Home?
Home Buying Assistance Programs
Our programs can help households earning as much as:
$259,000 for Ventura County
$185,000 for Kern County
$211,000 for Los Angeles County
$235,000 for Santa Barbara County
-
The City of Camarillo Workforce Program is designed to help local working households purchasing in Camarillo achieve their dream of homeownership. With up to $50,000 in the form of a ten (10) year deferred loan, low-and moderate-income first-time homebuyers can receive the financial support they need to make their homeownership dreams a reality.
These funds can be combined with My Way Home’s other programs to maximize your purchasing power.
-
My Way Home’s Hope to Home - Bakersfield deferred loan program, in partnership with the City of Bakersfield, can make your dream of homeownership in Bakersfield possible! Low-income households earning up to the 80% Area Median Income (AMI) can get up to $40,000 in assistance towards the purchase of their own home.
These funds can be combined with My Way Home’s other programs to maximize purchasing power.
-
My Way Home, in collaboration with the City of Oxnard, brings you the newly designed down payment assistance program for low-income households living in Oxnard and purchasing their first home in Oxnard. Eligible and qualified low-income homebuyers earning up to 80% of the Area Median Income (AMI) can access up to $40,000 in the form of a 10-year forgivable grant.
These funds can be combined with My Way Home’s other programs to maximize purchasing power.
-
My Way Home’s CalHome Deferred loan program, made possible with funding from the California Department of Housing and Community Development, offers up to $40,000 in the form of a 30-year deferred loan for low-income households earning up to 80% of the Area Median Income (AMI).
These funds can be combined with My Way Home’s other programs to maximize purchasing power.
-
The MyHome Assistance Program and CalPlus with Zip from CalHFA are 30-year deferred-payment loans (with simple interest) that must be paired with a CalHFA first mortgage. They can provide extra support for your down payment or closing costs, 3% to 3.5% with MyHome and 2% to 3% with CalPlus with Zip.
These programs are not just for low-income households—they can also be a great option for moderate- and even higher-income first-time buyers who need a little extra help to get into their home.
These funds can be combined with My Way Home’s other programs to maximize purchasing power.
Households must meet CalHFA’s income limits for the county they are purchasing in.
-
The Workforce Initiative Subsidy for Homeownership (WISH) made possible with funding from the Federal Home Loan Bank of San Francisco is matching grant program designed to assist low-income households earning up to 80% of the Area Median Income (AMI) with a 4-to-1 matching grants of up to $32,000. The total grant is forgivable after 5 years (20% each year).
These funds can be combined with My Way Home’s other programs to maximize purchasing power.
For a closer look at all our programs, join us at a free Homebuyer Workshop! Click here to register and learn about these resources and more.
Please note: Program availability and eligibility criteria may vary. Assistance programs are subject to change based on funding, please contact us for the most up-to-date details.
Not quite ready to purchase your home? Let us help get you there.
At My Way Home, we are passionate about empowering families through financial education and homeownership.
Read more about the families who have been on the journey with us.