For Loan Officers · California
California loan officers close 40% faster with ReadinessIQ
Get pre-scored California borrowers — with credit range, DTI, income, and CalHFA DPA eligibility already flagged — handed to you the moment they mark themselves Ready.
Pre-qualified handoffs
Every California borrower runs through the readiness scorecard before you ever see them. Credit range, DTI, funds-to-close — all logged.
CalHFA DPA matched
RED cross-references every borrower against California Housing Finance Agency programs live. You get the grant name and stackability up-front.
Realtor-friendly
Realtors in California share ReadinessIQ Passports with listing agents. Your name is on every one that hits an offer.
What ReadinessIQ knows about California lending
California Housing Finance Agency
MyHome Assistance Program
Deferred-payment second up to 3.5% (FHA) or 3% (Conventional) of the sales price — no monthly payment, due on sale/refi.
Dream For All Shared Appreciation Loan
Up to 20% down (capped at $150,000) — CalHFA takes a share of appreciation at sale instead of interest. Lottery-based, extremely competitive.
CalHFA Conventional / FHA
30-year fixed first mortgages required to layer any CalHFA DPA — must go through a CalHFA-approved lender.
MyHome income caps run $180K–$300K+ depending on county; Bay Area caps are the highest in the country.
County-level FHA context
High single-unit FHA limit in California: $1,209,750
Los Angeles
High-cost ceiling: FHA at $1,209,750, conforming at $1,209,750.
Orange
FHA limit $1,209,750 — same ceiling as LA.
San Diego
FHA limit $1,077,550 in 2026; MyHome DPA is critical for making the DTI work.
Alameda / San Francisco / San Mateo
Bay Area high-cost ceiling: FHA at $1,209,750.
Major California metros we route in:
Los Angeles · San Diego · San Francisco · San Jose · Sacramento · Fresno
Loan officer FAQ · California
- How does ReadinessIQ help loan officers in California close more loans?
- Every borrower that lands on ReadinessIQ completes an AI-guided readiness scorecard before they ever hit your CRM. In California that means pre-scored files with income, credit range, DTI, and CalHFA eligibility already flagged — you're not spending Tuesday morning re-qualifying leads a Zillow bot sent you.
- Does ReadinessIQ know about CalHFA down payment assistance programs?
- Yes. Every California borrower is matched in real time against California Housing Finance Agency programs including MyHome Assistance Program, Dream For All Shared Appreciation Loan, CalHFA Conventional / FHA. When a borrower qualifies, the handoff to you includes the exact DPA program name, grant amount, and stackability with FHA/Conv — no more Googling AMI caps.
- Which California markets does ReadinessIQ have the most borrower volume in?
- Strongest California pockets right now: Los Angeles, San Diego, San Francisco, San Jose, Sacramento, Fresno. If you're licensed in any of those metros the handoff queue fills fastest — SLA is 15 minutes borrower-to-LO from the moment they mark themselves Ready.
- Is ReadinessIQ a CRM or a loan origination system?
- Neither. ReadinessIQ sits in front of your CRM/LOS: it turns cold traffic into pre-qualified files, then hands the file to you (with a verified Readiness Passport) inside your existing workflow. Works alongside Encompass, Byte, LendingPad, Empower, and any CRM.
- How much does ReadinessIQ cost for a California loan officer?
- Individual LOs start free (5 handoffs/mo). Producer plan is $99/mo for unlimited handoffs, branded Readiness Passports, and DPA co-marketing collateral. Enterprise pricing is per-branch — see our pricing page.