First Time Homebuyer


We’ve compiled these local first time buyer programs available. These programs offer deferred loans to assist with down-payment and purchase price of your home.

  • City of Chico: Mortgage Subsidy Program (deferred loan) up to $70,000  Eligibility

  • Town of Paradise: Down Payment Assistance (deferred loan) up to $50,000  Eligibility
  • City of Oroville: Deferred loan up to $100,000  Eligibility
  • City of Redding: Down Payment Assistance (deferred loan) up to $60,000  Eligibility

If you are interested in applying for a home loan and feel you may qualify for one of these programs feel free to complete the application either:

  • Electronically and e-mail it to us   Instructions
  • Complete, Print, and Fax: (530)347-6058, or
  • Complete, Print, and mail it to us:
         Chain Real Estate
         19812 Freshwater Dr.
         Cottonwood, CA 96022
    • Loan Application

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