Helping Northern California Buyers Turn Assistance Programs Into Real Homeownership
The Problem We Solve
Buying a home in Northern California often comes down to more than qualifying for a loan. Many buyers can afford a monthly payment but struggle to overcome the upfront barriers that stand between them and the homes they want to live in.
Down payment assistance programs can help bridge that gap, but they are often misunderstood, inconsistently explained, or buried behind unclear eligibility rules and changing funding timelines.
NorCal DPA was created to make these programs easier to understand. We focus specifically on how down payment assistance works in real-world scenarios, which options tend to fit different buyer situations, and what tradeoffs to consider before moving forward.
The goal is simple: give buyers clear, practical information so they can make informed decisions and explore their options with confidence
Built by Local Mortgage Professionals
NorCal DPA is an educational resource created by Primary Residential Mortgage, Inc. to help Northern California buyers better understand and access down payment assistance programs. Primary Residential Mortgage is a nationally licensed mortgage lender with deep experience working with down payment assistance programs across California.
We created NorCal DPA as a dedicated space to focus specifically on down payment assistance, since these programs often involve unique rules, timelines, and tradeoffs that are not well explained in traditional lending conversations.
Our role is to help you understand which types of assistance may apply to your situation, how the programs work in practice, and how they can be used responsibly as part of a broader homeownership plan.
There is no obligation to move forward. Our goal is clarity first, so you can make informed decisions about your options.
Many websites list down payment assistance programs but not in ways most homebuyers can easily understand.
We work with these programs every day and understand how they interact with real world factors like pricing, credit profiles, underwriting requirements, and end results.
That means we help buyers:
Avoid programs that look attractive on paper but do not work in practice
Understand timing, funding cycles, and lottery based programs
Compare assistance options side by side
Structure offers that are competitive in today’s market
Plan for the long term impact of assistance on equity and future flexibility
Our goal is not just to help you buy a home, but to help you buy a home in a way that makes sense for you.
How We Are Different
We commonly help buyers who:
Are purchasing in Northern California
Can afford a monthly mortgage payment but need help with upfront costs
Are not first time buyers or do not meet traditional program definitions
Have stable income but limited savings
Work in professions with access to special programs
Want to understand equity share options before committing to them
If you have been told you do not qualify, or if you are unsure where to start, you are likely in the right place
Who We Work With
We start by learning about your situation.
Through a short eligibility check, we gather basic information to understand which types of programs may apply to you. From there, a member of our team reviews your information and reaches out to help schedule a no obligation consultation.
During that conversation, we walk through your options, explain how the programs work, and answer your questions. You decide how you want to move forward.
There is no pressure and no obligation. Our role is to help you understand what is possible.
Our Approach
Ready to explore your options?
Take a few minutes to complete our eligibility check and see which types of down payment assistance may apply to your situation.