CHFA mortgages promise help, but do they actually hurt buyers? This article breaks down how CHFA loans often cost more, deliver less, and put borrowers at greater risk — all while funding a bloated public agency. Learn the truth behind the marketing and see why better options exist.

Buying a home comes with a big question: “How much will I actually need to bring to closing?”
In this post, we break it all down — showing you exactly how your cash due at closing is calculated. We walk through the full math step-by-step and explain where every dollar goes, from fees and prepaids to credits and loan structure. No fluff, no guesswork — just total transparency.

When you apply for a mortgage with us, we’re asking ourselves a single, critical question that guides our work:

“What’s the most cost-effective way for this borrower to finance their home?”

That question drives the selection of the loan options we present to you. While it sounds simple, answering that question requires experience, flexibility, and the ability to see every piece of your financial picture in context.