The PHL Community Lending Program (CLP) connects California homebuyers and homeowners with financial assistance programs that help reduce the cost of purchasing or refinancing a home. While some programs may have income or first-time homebuyer requirements, the CLP itself is available to both first-time and repeat buyers, as well as eligible homeowners looking to refinance.

Key Features of the CLP:

• Down payment and closing cost assistance to lower upfront expenses.
• Available for both first-time and repeat buyers financing a primary residence.
• Competitive refinancing options with fixed and adjustable-rate mortgages.
• Programs available in select areas across California.

Find out if you qualify! Contact a PHL loan officer today to explore your options.

In addition to helping homebuyers, the PHL Community Lending Program (CLP) offers refinancing solutions designed to help California homeowners secure competitive rates and terms while restructuring their loans.

Refinancing Options Under the CLP:

• 15-Year and 30-Year Fixed-Rate Loans – Enjoy stable monthly payments with rates that may be up to 1% below market (eligibility required).
• 7-Year and 10-Year Adjustable-Rate Mortgages (ARMs) – Take advantage of lower initial interest rates with flexible terms tailored to your financial goals.

Find out how much you can save! Contact a PHL loan officer today for a personalized rate quote and explore your refinancing options under the CLP.

The PHL Community Lending Program (CLP) is designed to make homeownership and refinancing more affordable for a wide range of buyers and homeowners in California:

• First-Time Homebuyers (FTHB) – Take advantage of down payment and closing cost assistance to achieve affordable homeownership.
• Repeat Buyers – Move up or relocate to a new primary residence with financial support.
• Homeowners Seeking to Refinance – Access competitive interest rates and adjust your loan terms to better fit your financial goals.

Important: Grants and down payment assistance may not be available to all applicants. Contact a PHL loan officer to check your eligibility and explore your options.

PHL proudly serves homebuyers and homeowners across California, but the Community Lending Program (CLP) is available only in select areas. Let us help you identify the eligible regions near you.

Popular Locations Where the CLP Is Available:

• • Los Angeles County – A diverse housing market, from vibrant city living in Los Angeles to suburban communities like Pasadena, Long Beach, and Glendale.
  • San Diego County – Beautiful coastal homes and family-friendly neighborhoods in areas like San Diego, Chula Vista, and Carlsbad.
  • Orange County – Access to highly desirable communities such as Irvine, Anaheim, and Huntington Beach.
  • Sacramento County – A blend of urban and suburban living in Sacramento, Elk Grove, and Folsom.
  • San Francisco Bay Area – Opportunities in tech-driven markets, including San Francisco, Oakland, and San Jose.

Find out if your area qualifies! Contact a PHL loan officer today to explore eligible regions near you.

At Pacific Home Loans (PHL), we’re committed to making homeownership more accessible throughout California. With the Community Lending Program (CLP), you’ll enjoy:

• Local Expertise – Our loan officers understand California’s diverse housing market and will guide you to the best opportunities in your area.
• Personalized Support – We work closely with you to identify eligible census tract areas and match you with the most beneficial assistance programs.
• Streamlined Process – From application to funding, we make your home loan experience seamless and stress-free.

Ready to get started? Contact a PHL loan officer today to explore your options!

• Down Payment Assistance: Reduce upfront costs for purchasing a primary residence.
• Closing Cost Support: Financial aid to ease the home-buying or refinancing process.
• Competitive Rates: Access fixed and adjustable-rate loans that may be up to 1% below market, where eligible.
• Flexible Eligibility: Open to first-time buyers, repeat buyers, and homeowners refinancing a primary residence.
• Targeted Availability: Contact a PHL loan officer to locate the eligible areas nearest you.

Don’t let financial hurdles stand in your way! The Pacific Home Loans Community Lending Program (CLP) is designed to make homeownership and refinancing more affordable across California.

Take the first step today! Contact a PHL loan officer to learn how the CLP can help you.

Speak with one of our experienced loan officers today to:

• Explore eligible CLP areas near you.
• Get a personalized rate quote for 15-year or 30-year fixed loans, or 7-year and 10-year ARMs.
• Learn how the CLP can reduce your upfront costs or improve your refinancing terms.

Contact Us Today

Make your dream of owning or refinancing your primary residence in California a reality with Pacific Home Loans and the Community Lending Program.

Information and self-help tools are provided for your independent use and are not intended to provide investment advice. We cannot and do not guarantee loan eligibility or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to speak with one of our experienced loan officers for a loan eligibility analysis and custom rate and payment estimate.