Descrição The California Housing Finance Agency (CalHFA) strives to help renters and first-time home buyers by providing a variety of programs and financing for safe and affordable housing. CalHFA's portfolio includes some 32,000 home mortgage loans with a value of more than $6 billion. The agency offers services through its First-Time Homebuyer Lending, Homeownership, Mortgage Insurance, and Multifamily Lending divisions. In recent years, the agency has added Foreclosure Avoidabce to its list of programs. CalHFA's programs are available throughout California. The agency was created by the state as its affordable housing bank in 1975.