CalHFA FHA Loans for Self-Employed Borrowers

With Tony McConnell at The Mortgage Krew, CalHFA FHA Loans provide an affordable home financing solution for self-employed borrowers in California. Backed by the California Housing Finance Agency (CalHFA) and insured through the FHA, these loans offer low down payments, competitive interest rates, and accessible credit requirements, making homeownership achievable for first-time buyers and self-employed professionals alike.
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Qualify with Flexible Credit and Income Options

With Tony McConnell at The Mortgage Krew, CalHFA FHA Loans allow self-employed borrowers to qualify with lower credit score requirements and flexible income documentation. By combining FHA-insured mortgage standards with CalHFA’s supportive programs, borrowers with non-traditional income, such as bank statements, P&L statements, or 1099 income, can still meet lender guidelines. Tony McConnell at The Mortgage Krew guides each borrower in preparing accurate documentation to demonstrate consistent income, helping to ensure smooth approval.
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Ideal for Self-Employed Professionals and First-Time Buyers

With Tony McConnell at The Mortgage Krew, CalHFA FHA Loans are particularly suitable for self-employed professionals, entrepreneurs, and independent contractors, as well as first-time homebuyers looking to enter the California housing market. This program provides an opportunity to purchase a home with low down payments while benefiting from FHA-backed protections. Tony McConnell at The Mortgage Krew ensures each borrower receives guidance tailored to their financial situation, helping them choose the right program and maximize their chances of approval.
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Benefits of CalHFA FHA Loans

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Low Down Payment Options Make homeownership possible with as little as 3% down.

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Ideal for Self-Employed Professionals Perfect for first-time buyers, entrepreneurs, and independent contractors.

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Access to CalHFA Assistance Programs Grants and deferred loans help reduce upfront costs.

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Flexible Qualification Standards FHA-backed guidelines support borrowers with non-traditional income or credit profiles.
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Flexible Loan Terms and CalHFA Assistance Programs

With Tony McConnell at The Mortgage Krew, CalHFA FHA Loans offer a variety of loan term options, including fixed-rate and adjustable-rate mortgages, along with down payment assistance programs provided through CalHFA. Borrowers can leverage grants, deferred-payment loans, or other support programs to reduce upfront costs and make homeownership more accessible. This flexibility allows self-employed borrowers to structure their mortgage in a way that fits their budget and long-term financial strategy.
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Why Choose Us

With Tony McConnell at The Mortgage Krew, self-employed borrowers across California receive mortgage solutions built specifically around real-world income, not rigid lending formulas. Traditional lenders often struggle to properly evaluate self-employment income, which leads to unnecessary denials or delays. At The Mortgage Krew, every loan strategy is designed to reflect how entrepreneurs, business owners, and independent professionals actually earn and manage money.

We are known for

We are known for offering alternative income options, including bank statement loans, P&L loans, 1099 income, asset utilization, and WVOE programs.

With Tony McConnell at The Mortgage Krew, every mortgage is structured around the borrower’s financial reality—not generic lender templates.

Clients choose The Mortgage Krew for honest guidance, clear expectations, and consistent updates throughout the loan process.

We are known for thorough preparation, lender-aligned submissions, and smooth closings that keep transactions on track.

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Why Choose Rapid Closing?

Choosing the right mortgage partner can make all the difference in your homeownership journey. At Rapid Closing, we combine speed, expertise, and personalized care to deliver financing solutions that are tailored to your goals. Whether you’re a first-time home buyer, refinancing, or exploring specialized programs, our team is dedicated to making the process smooth, transparent, and stress-free. With Rapid Closing, you’re not just getting a loan—you’re gaining a trusted partner who stands by you every step of the way.

We are known for

Fast & Reliable Closings – Streamlined processes that save you time and stress.

Wide Range of Loan Programs – From FHA and VA to DSCR, Jumbo, and USDA loans.

Personalized Guidance – Clear, step-by-step support with dedicated loan specialists.

Flexible Solutions – Options designed for first-time buyers, investors, and unique situations.

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"FAQs"

Yes. With Tony McConnell at The Mortgage Krew, self-employed borrowers have access to flexible loan programs such as bank statement loans, P&L loans, 1099 loans, asset utilization, and WVOE options designed specifically for non-traditional income.

Not always. With Tony McConnell at The Mortgage Krew, many programs allow qualification without tax returns, using alternative income documentation instead.

Yes. With Tony McConnell at The Mortgage Krew, zero down home loans and CalHFA FHA programs may be available for eligible California borrowers.

Yes. With Tony McConnell at The Mortgage Krew, ITIN Premier and ITIN Close Call loan programs are available for borrowers without a Social Security Number.

With Tony McConnell at The Mortgage Krew, properly prepared loans typically close within standard timelines, and proactive guidance helps avoid unnecessary delays.

Streamlined Process for Self-Employed Borrowers

With Tony McConnell at The Mortgage Krew, the CalHFA FHA Loan process is simplified for self-employed borrowers through expert guidance and step-by-step support. Tony McConnell at The Mortgage Krew helps organize income documentation, complete applications correctly, and navigate CalHFA program requirements, ensuring a smooth and efficient loan approval process. Borrowers benefit from a predictable, streamlined experience, making it easier to move into a new home with confidence.