Question 1

Who qualifies for a community mortgage in Napa?

Accepted Answer

Borrowers in underserved communities with lower credit scores or non-traditional income. Hospitality and seasonal workers in Napa are strong candidates.

Question 2

Can I use down payment assistance with these programs?

Accepted Answer

Yes — many community mortgages stack with CalHFA and local assistance programs. That combination can cut your upfront costs significantly.

Question 3

Do community mortgages have income limits?

Accepted Answer

Most do. Limits vary by program and household size. A broker can run your income against current program caps to confirm eligibility.

Question 4

Are these programs available throughout Napa County?

Accepted Answer

Coverage varies by program. Some apply countywide, others target specific census tracts. We check eligibility by property address.

Question 5

How do community mortgages differ from FHA loans?

Accepted Answer

Community programs often have fewer fees and no lifetime mortgage insurance. Eligibility criteria differ, so comparing both makes sense.

Community Mortgages in Napa, CA