For Realtors · California
Win more California offers with a Verified Readiness Passport
Turn every California buyer into a verified, shareable proof-of-readiness. Listing agents verify in 3 seconds — no PDF pre-approval, no "let me check with the lender."
Verified passports
A tamper-proof URL every California listing agent can verify in seconds. Beats a static PDF pre-approval every time.
CalHFA DPA matched
Your buyers get matched to California Housing Finance Agency DPA programs automatically. Show up to a listing meeting knowing the buyer's real budget.
LO handoff protected
Buyers who need an LO get routed to your preferred partner (or ours). Your referral relationship is preserved end-to-end.
What ReadinessIQ knows about California's market
California Housing Finance Agency
Programs matched into every buyer's dashboard:
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.
Market context
Highest single-unit FHA cap 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.
Metros with highest buyer density:
Los Angeles · San Diego · San Francisco · San Jose · Sacramento · Fresno
Realtor FAQ · California
- How does a Readiness Passport help my California buyer win multiple-offer situations?
- A Readiness Passport is a public, tamper-proof URL a listing agent can verify in 3 seconds. It shows your buyer is verified ready to close up to a specific dollar amount, backed by an underwriter's-level check on credit, income, and funds. In California's tight markets it functions as a stronger version of a pre-approval letter — no PDF, no editing, no doubt.
- Do I need my buyer to already have a loan officer to use ReadinessIQ?
- No. Buyers can complete the scorecard on their own. If they don't have an LO, RED hands them off to a California-licensed partner LO — your commission and referral relationship are protected in the workflow.
- What California down payment assistance is my buyer eligible for?
- ReadinessIQ checks every buyer against California Housing Finance Agency programs including MyHome Assistance Program, Dream For All Shared Appreciation Loan, CalHFA Conventional / FHA. Instead of you tracking AMI caps, you get a match list on the buyer's dashboard the minute they finish the scorecard.
- Where in California does ReadinessIQ have the most active buyers?
- Highest buyer density right now: Los Angeles, San Diego, San Francisco, San Jose, Sacramento, Fresno. If you list or show in any of those metros, you'll see the most match volume there — but the platform covers every California zip.
- How much does ReadinessIQ cost realtors in California?
- Realtor plans start free — up to 5 active buyers with a co-branded Readiness Passport. Producer plan is $49/mo for unlimited buyers, custom domain passport links, and CRM handoff. Team & brokerage plans priced per seat.