No SSN. No credit check. No account required.
CalHFA’s Dream For All program helps eligible first-time homebuyers overcome one of the biggest
barriers to homeownership — the down payment.
Because funds are limited and distributed through a randomized selection
Yes. This program is designed specifically for first-time homebuyers, meaning you have not owned a home in the past three years. If you have been renting and waiting for the right opportunity, this program may be a great fit.
At least one borrower must be a first-generation homebuyer, which generally means your parents did not own a home, or you have been financially independent and have not owned a home yourself.
This requirement helps open the door for families who have not had homeownership passed down to them.
Qualified buyers may receive up to 20% of the home’s purchase price, with a maximum of $150,000 in assistance.
This can dramatically reduce the amount of cash you need upfront and make buying possible much sooner.
No. You do not need perfect credit.
While there are minimum credit requirements, many buyers are surprised to learn they qualify even if their credit is not perfect. The best way to know for sure is to complete a quick pre-qualification.
Eligibility is based on CalHFA income limits, which vary depending on your county and household size.
Many buyers assume they earn too much or too little, but often they fall within the qualifying range. A quick review can confirm your eligibility.
With over a decade of experience helping families and individuals find their perfect home, I bring both professional expertise and a personal touch to the process. I understand that buying a home is more than a transaction—it’s one of life’s biggest milestones. Whether you’re a first-time buyer or searching for your forever home, I’m committed to guiding you every step of the way with honesty, patience, and dedication.
My journey hasn’t been without challenges. After surviving a brain tumor and undergoing more than 17 surgeries—including having to relearn how to walk—I’ve gained a deep appreciation for resilience and perseverance. Now, as a husband and soon-to-be father living in beautiful San Diego, I’m more motivated than ever to help others achieve their dreams of homeownership.
When you work with me, you’re not just gaining an agent—you’re partnering with someone who truly understands the value of home, family, and determination.
“Tim went above and beyond to help us. We wouldn't have been able to get into our home without him!”
“Tim was prompt and personable. I felt like he took the time to understand where I was at financially and wanted to learn my goals for the future. He offered great advice and helped build my confidence on my home-buying journey.”
“Tim is an amazing lender and did a fantastic job on the loan! He made the transaction happen with his knowledge of the interest rates, market, and timing! He's very pleasant to work with and overall a great person.”
Backed by a legacy of trust spanning more than a century, Mutual of Omaha Mortgage combines financial strength, innovative lending solutions, and exceptional customer service to help make homeownership more attainable. Whether you're purchasing your first home, refinancing, or investing, you'll have access to competitive loan options and a team committed to helping you succeed.
Get a clear picture of your financing options without slowing down your home search.
Here’s what you’ll get:
And here’s what you won’t need:
Plus, enjoy extra perks:
Mutual of Omaha Mortgage, Inc., NMLS ID 1025894. Keller Home Loans is a division of Mutual of Omaha Mortgage, Inc., NMLS ID 1025894. 3131 Camino Del Rio North, Suite 1100, San Diego, CA 92108. FL Mortgage Lender Servicer License MLD1827; Toll Free: (877) 978-1922. Subject to Credit Approval. For licensing information, visit www.nmlsconsumeraccess.org.
Loan Originator | NMLS# 1248470
