Financing Your Dream Home

Partner with Brandon Byrd, your local mortgage expert, to secure the best financing for your mid-century modern home purchase.

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Loan Programs

Find the right financing option for your situation

Conventional Loan

Down Payment: 3-20%
Credit Score: 620+
  • Competitive rates
  • No mortgage insurance with 20% down
  • Flexible terms

FHA Loan

Down Payment: 3.5%
Credit Score: 580+
  • Low down payment
  • Flexible credit requirements
  • Government backed

VA Loan

Down Payment: 0%
Credit Score: 580+
  • No down payment
  • No PMI required
  • For eligible veterans

Jumbo Loan

Down Payment: 10-20%
Credit Score: 700+
  • High loan limits
  • Luxury properties
  • Competitive rates

The Mortgage Process

Simple steps to homeownership

1

Get Pre-Approved

Start with a pre-approval to understand your budget and show sellers you're serious.

2

Find Your Home

Browse our curated selection of mid-century modern properties with your budget in mind.

3

Submit Application

Complete your mortgage application with all required documentation.

4

Close & Move In

Finalize your loan and get the keys to your new mid-century modern home.

Meet Your Mortgage Expert

Brandon Byrd

With years of experience in the San Diego market, Brandon specializes in helping clients secure financing for unique properties, including mid-century modern homes. His expertise in architectural lending and understanding of the local market makes him the perfect partner for your home purchase.

Specialized in architectural property financing
Expert knowledge of San Diego real estate market
Personalized service and competitive rates
Quick pre-approval process
Brandon Byrd - Mortgage Expert

Brandon Byrd

Your Local Mortgage Expert

NMLS 209657

4.9/5 Rating• 500+ Happy Clients
💰

California Down Payment Assistance

Making Homeownership More Within Reach

Buying a home in California can feel out of reach — especially with rising prices and limited inventory. But there are state and local programs designed to help bridge that gap. Down Payment Assistance (DPA) can cover part of your down payment and closing costs, often with deferred payments or even forgivable loans.

At So San Diego Real Estate, we help you navigate the best programs available so your dream home can truly feel So San Diego — and so YOU.

How Down Payment Assistance Works

Down Payment Assistance usually comes in the form of a grant or second mortgage that helps reduce the upfront cost of buying a home.

Deferred loans – No payments until you sell, refinance, or pay off your mortgage.
Forgivable loans – Some programs erase the balance after a set number of years.
Shared appreciation loans – The program helps you buy now in exchange for a small share of your home's future appreciation.
Down Payment Assistance - Making Homeownership Accessible

🌟Statewide Programs

CalHFA MyHome Assistance

Assistance:Up to 3.5% of purchase price
Deferred second loan for down payment or closing costs.

CalHFA Dream For All

Assistance:Up to 20%
No monthly payments — you share a portion of appreciation when you sell.

GSFA Platinum Program

Assistance:Up to 5%
Grants or 0% second mortgage for down payment or closing costs; flexible credit limits.

🌴San Diego-Area Local Assistance Programs

City of San Diego First-Time Homebuyer Program

Deferred 0% interest loan up to 17% of purchase price for down payment and closing costs.

County of San Diego Homebuyer Assistance (SDHC)

Low-income buyers can receive loans for down payment and closing costs, deferred until sale or refinance.

Neighborhood Housing Services of San Diego

Provides financial education, grants, and DPA for qualifying buyers.

Community HousingWorks

Offers local DPA programs and homebuyer education workshops.

🧾Typical Eligibility Requirements

Most programs require you to:

Be a first-time homebuyer (no home ownership in past 3 years)
Meet income and purchase price limits for your county
Complete a homebuyer education course
Purchase a home you'll live in as your primary residence
Qualify for a standard mortgage (FHA, VA, or conventional)

⚠️Tips Before You Apply

Always confirm whether the assistance is deferred, forgivable, or shared-equity
Apply early — funding can run out quickly each year
Work with a lender experienced in CalHFA or GSFA programs
Keep your education certificate and lender pre-approval handy

📞Ready to Explore Your Options?

You may be closer to homeownership than you think.

Contact So San Diego Real Estate to discover which California or San Diego-area down payment programs you qualify for.

Because owning a home should feel So San Diego — and so YOU.

Ready to Get Pre-Approved?

Start your journey to homeownership with a free pre-approval consultation.