Buyer incentive

Save up to $2,745 as a first-time buyer

Home First Financial waives up to $2,745 in lender fees (up to $750 appraisal, up to $1,500 underwriting, and the $495 processing fee) for eligible first-time buyers in California, on conforming, FHA, and VA purchases with a loan amount of $300,000 or more. A first-time buyer is anyone who has not owned a home in the last 3 years.

Every dollar counts when you're buying your first home. This puts real money back in your client's pocket for moving costs, the unexpected, or that first upgrade. Get pre-approved and lock by August 23, 2026.

Total value

$2,745

no income limits, no census-tract limits

Who qualifies

Anyone who hasn't owned a home in the last 3 years — that's the whole test.
Buyers using conforming, FHA, or VA financing on a California purchase of $300,000+.
Households where just one occupying borrower qualifies — that's enough.

Get pre-approved & lock by August 23, 2026

Where the savings come from

$750

Appraisal

HFF pays up to $750 for the appraisal

$1,500

Underwriting

HFF credits or waives up to $1,500

$495

Processing

HFF waives the $495 processing fee

$2,745

Total value

no income limits, no census-tract limits

Straight answers

Anyone who has not owned a home in the last 3 years. Only one occupying borrower has to qualify.

Up to $2,745. That is up to $750 on the appraisal, up to $1,500 on underwriting, and the $495 processing fee.

No. There are no income restrictions and no census-tract restrictions.

Conforming, FHA, and VA purchase loans in California with a minimum loan amount of $300,000.

Yes, when underwriting guidelines allow. It may stack with other first-time-buyer programs.

Your loan officer

Home First Financial

Brett Hickman

Mortgage Loan Originator · NMLS #2010859

+19493508005

Text Brett to check eligibility →