Go straight to the source

Official sources we use and trust

These are the government and program sites our guides cite, so you can check any fact yourself.

State home-buying programs

CalHFA programs: the state's home loan and down payment assistance programs, with their rules.
CalHFA income limits: the income limits that apply to CalHFA programs.
CalHFA find a loan officer: the lenders CalHFA lists for its programs.
GSFA Platinum: the details of this down payment assistance program.
California state income limits (HCD): the state's published income limits by county.

San Bernardino County Assessor-Recorder-Clerk: property records and how assessed value works.
Assessor FAQ on Prop 13: the 1% rate and the voter-approved bonds added on top.
San Bernardino County Tax Collector: property tax bills and payment information.
San Bernardino County housing resources: the county's homeownership resources.
Riverside County Housing and Workforce Solutions: the county's housing programs and information.

Rancho Cucamonga special districts: the city's community facilities and assessment districts.
Fontana Mello-Roos page: how Fontana explains its community facilities districts.
Ontario Keys to Community: the City of Ontario's housing services.

THDA homebuyer programs: Tennessee's state housing agency and its Great Choice home loan programs.
Tennessee property tax: how your bill is figured: the Tennessee Comptroller's explanation.
Tennessee property tax relief and freeze: the Comptroller's programs for some older, disabled and disabled-veteran homeowners.
Tennessee recordation taxes: the Department of Revenue on the realty transfer tax and mortgage tax.
California part-year residents: the Franchise Tax Board on taxes the year you move.
California real estate withholding: what escrow may hold back when you sell a California home.
IRS Topic 701, Sale of your home: the federal home sale exclusion.

HUD housing counseling: find a HUD-approved housing counselor.
HUD Mortgagee Letter 2026-11: HUD's official notice on FHA credit scores.
VA purchase loans: who can use a VA loan to buy and how it works.
Fannie Mae credit score requirements: the credit score rules for conventional loans.
CFPB Loan Estimate: a walk-through of the form that shows your loan terms.
CFPB Closing Disclosure: a walk-through of the final closing costs form.
AnnualCreditReport.com: the official place to get your free credit reports.

If something on these sites is confusing, call us at 909.944.8800 and we'll walk through it with you.