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Customer Login - Coming soon!

You will be able to log in for up-to-the-minute updates on your loan in processand easily submit needed documentation to us to help ensure a faster transaction for you.This new state-of- the-art communication system will also support our efforts toward complete paperless transactions and helps us further our Think Green initiatives!

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Posts Tagged ‘home financing’


GSFA Affordable Subsidy – Platinum down payment assistance program just got better!

Monday, July 31st, 2017

GSFA Affordable Subsidy

If you’ve been thinking of purchasing a home, or know someone else who is, we’ve got great news! Golden State Finance Authority (GSFA) has announced a new promotional offer for borrowers purchasing a home with conventional loan financing through the GSFA Platinum Program.

In addition to the Platinum down payment assistance (DAP) grant, low-income borrowers may be eligible for a GSFA Affordable Subsidy, an additional incentive to help them with down payment and/or closing costs. Like the GSFA DAP grant, the GSFA Affordable Subsidy has no repayment requirement!

Below are a few helpful questions and answers regarding the Affordable Subsidy.

How much money does the Affordable Subsidy provide? (Click here for program income limits.)
  • 2.0% of the loan amount for income ≤ 50% AMI
  • 0.5% of the loan amount for income ≤ 80% AMI
Do you need to be a first-time home buyer to take advantage of the Affordable Subsidy?
  • No, but you must meet the qualifying income requirements.
Does the Affordable Subsidy need to be repaid?
  • No, unlike many other down payment assistance programs the GSFA Platinum and Affordable Subsidy to not require repayment.
How can the money be used?
  • The Affordable Subsidy and Platinum grant money can be used for down payment and closing costs. (There can be no cash back to the borrower.)
Where can I learn more about the GSFA Platinum Program?
  • Visit our Platinum Program page to learn more about this great down payment assistance program.

If you have any questions about the GSFA Platinum Program or the Affordable Subsidy, contact us at (800) 570-5300 or fill out our contact form.


Is it time to sell?

Thursday, September 15th, 2016

Many homeowners believe the housing market is prime for selling. Here are the top reasons many are thinking of selling and the top concerns for listing their current home for sale.

Is it time to sell? Infographic


6 Myths About Credit Scores

Monday, June 8th, 2015

There typically can be a lot of confusion around FICO scores and credit reports and what truly impacts them. The below infographic by the California Association of Realtors®, and sourced by TransUnion, answers 6 common myths about credit scores and reports.

Infograhic 6 Myths About Credit Scores


History of Daylight Savings Time

Thursday, November 3rd, 2011

In 1784 Benjamin Franklin, anonymously published a letter suggesting that Parisians economize on candles by rising earlier to use morning sunlight. His satire letter proposed taxing shutters, rationing candles, and waking the public by ringing church bells and firing cannons at sunrise. Franklin did not actually propose daylight saving time (DST) though as 18th-century Europe did not keep precise schedules at that time. However, this soon changed as rail and communication networks came to require a standardization of time unknown in Franklin’s day.

Modern DST was first proposed by the New Zealand entomologist George Vernon Hudson, whose shift-work job gave him leisure time to collect insects, and made him aware of the value of after-hours daylight. In 1895 he presented a paper to the Wellington Philosophical Society proposing a two-hour daylight-saving shift.

In 1883 the United States and Canadian railroads instituted standard time in time zones. Use of standard time gradually increased because of its obvious practical advantages for communication and travel. Standard time in time zones was not established in U.S. law though until the Act of March 19, 1918, sometimes called the Standard Time Act. At the same time the Act also instituted DST for the United States.

On August 8, 2005 former President George Bush signed the Energy Policy Act of 2005 into law. Part of the act extended daylight saving time, from the second Sunday in March to the first Sunday in November.

This Sunday, November 6th, at 2:00a.m. don’t forget to “fall back” once again, and set your clocks back 1 hour. DST can also be a great time to remember to replace the batteries in your smoke detectors to keep you and your family safe!

Photo of Philip Duncan
Philip Duncan

Executive Vice President



History of Daylight Savings Time

Thursday, November 4th, 2010

In 1784 Benjamin Franklin, anonymously published a letter suggesting that Parisians economize on candles by rising earlier to use morning sunlight. His satire letter proposed taxing shutters, rationing candles, and waking the public by ringing church bells and firing cannons at sunrise. Franklin did not actually propose daylight saving time (DST) though as 18th-century Europe did not keep precise schedules at that time. However, this soon changed as rail and communication networks came to require a standardization of time unknown in Franklin’s day.

Modern DST was first proposed by the New Zealand entomologist George Vernon Hudson, whose shift-work job gave him leisure time to collect insects, and made him aware of the value of after-hours daylight. In 1895 he presented a paper to the Wellington Philosophical Society proposing a two-hour daylight-saving shift.

In 1883 the United States and Canadian railroads instituted standard time in time zones. Use of standard time gradually increased because of its obvious practical advantages for communication and travel. Standard time in time zones was not established in U.S. law though until the Act of March 19, 1918, sometimes called the Standard Time Act. At the same time the Act also instituted DST for the United States.

On August 8, 2005 former President George Bush signed the Energy Policy Act of 2005 into law. Part of the act extended daylight saving time, from the second Sunday in March to the first Sunday in November.

This Sunday, November 7th, at 2:00a.m. don’t forget to “fall back” once again, and set your clocks back 1 hour. DST can also be a great time to remember to replace the batteries in your smoke detectors to keep you and your family safe!

Photo of Philip Duncan
Philip Duncan

Executive Vice President