Family run · Foothill and Haven, Rancho Cucamonga
CalHFA-approved lender through New American FundingCalifornia's first-time buyer programs
You apply for CalHFA programs through an approved lender, not with CalHFA directly, so who you pick matters. Colleen and our team walk you through every step, from the income limit to the keys.
400+families our team has helped buy with CalHFA since 2018, counting loans closed before we joined New American Funding in 2026. Colleen Olivas is a CalHFA Preferred Loan Officer, listed in CalHFA's loan officer directory.
These programs are loans, not gifts. Funds are limited, and rules can change, so we confirm what's open before you plan. Subject to eligibility and program availability. Program facts checked October 2026.
Not a fit for CalHFA? We also offer two GSFA programs: GSFA Platinum, and GSFA Golden Opportunities, down payment and closing cost help with an FHA, VA or USDA loan that doesn't require you to be a first-time buyer. Plus VA, FHA, conventional and the other loan options below.
Free guide · PDF · California editionThe Homebuyer's Guide
Pre-approval, CalHFA, GSFA and the other down payment programs, in plain words. Read it at your own pace.
Download the free guide
Free checklist · PDF · one pageWhat to have ready
The documents to gather when you're ready to apply, so we can start your pre-approval without waiting on paperwork.
Download the checklist New American Funding was founded by husband and wife Rick and Patty Arvielo. Our branch was founded by husband and wife Robert and Colleen Olivas.
Same idea, closer to home.
The strength of New American Funding
A Fannie Mae, Freddie Mac and Ginnie Mae direct lender and servicer. Figures from newamericanfunding.com, checked October 30, 2026. Our branch's loan officers are licensed in California, and Colleen Olivas is also licensed in Tennessee.
The care of a family branch
+8Meet the team
More than 20 ways to finance a home, through New American Funding
Availability depends on your situation, the property and approval. Not every loan fits every buyer; we'll tell you which ones may fit you.
Six steps, with the same people at every one. Tap a step to learn more about it.
A no-pressure call about your goals, income, savings and debts.
Call 909.944.8800We verify your documents up front, so there are fewer surprises later.
Pre-approval vs. pre-qualificationSee which programs may help with the down payment, then send us each offer first.
CalHFA programsColleen reviews your file the way the underwriter will, before it goes in.
Guide: what underwriters look forThe home has to meet the loan's requirements too. We explain each step.
How we work your fileClear to close, sign, and the keys are yours.
Read a closing storyFounded by Robert and Colleen Olivas. Pick the loan officer who fits you, or call the office and we'll match you.
Founder
Helping families become homeowners since 1988, and leading the team he founded with Colleen.
Founder
Started in escrow and worked every role in mortgages up to underwriter; builds a tailored plan for first-time buyers across California.
Prefer Spanish?
Llame a la oficina y pida hablar con Robert, Andrea, Betty, Cheyenne o Eileen. Alexei y Lupie también hablan español y le ayudan a empezar. Call the office and ask for any of them.
Robert · Andrea · Betty · Cheyenne · Eileen · Alexei · Lupie
Llamar al 909.944.8800 Lista de documentos en español (PDF)The story behind the name
Read Robert and Colleen's letter“We could not give Brandon those firsts. But we could make his name part of a meaningful first for other families.”
Learn before you call
Guides written by the people who'll handle your loan, each with its sources and review date.
Community Los Angeles
Our teamNov 7, 2026Read
Closing story VA loans
Community Tustin
Our teamOct 21, 2026Read
Buyer guide Pre-approval
A pre-qualification is a quick estimate, often based on information you tell the lender and the lender has not checked.
Buyer guide Grants
Most "down payment grants" in California are not grants.
City guide Rancho Cucamonga
Thank you, heroes
You show up for our community. Here's how we show up for you, with answers to the questions your work schedule and pay actually raise.
Law enforcementOvertime, second jobs and HUD's Good Neighbor Next Door, explained.See how we help 
Firefighters and EMTsHow 24-hour shifts, overtime and seasonal work count when you qualify.See how we help 
Military and veteransUsing your VA benefit again, your Certificate of Eligibility, and allowances as income.See how we help 
Medical professionalsNew jobs, residency offers, gaps and shift pay, explained.See how we help 
Educators and school staffSummer pay, stipends, CalSTRS and Good Neighbor Next Door.See how we help Out in the community
Free classes, wellness fairs, and events for homebuyers and real estate agents. Here's what's coming up.
For employers
We set up a booth at employee wellness and benefits fairs across Southern California, with free homebuying guidance for your team.
Names are shown with each employer's OK. Listing an employer doesn't mean it endorses us or any lender.
Still have a question?
Search every guide and program page in our resource hub. Each answer is written by the people who'll handle your loan.
Down payment help (CalHFA MyHome Assistance, GSFA Platinum, GSFA Golden Opportunities), FHA, VA, USDA, conventional, jumbo, refinance and DSCR investment property loans.
Yes. First-time buyers are one of our specialties, and we are experienced with CalHFA's first-time and first-generation programs. Program availability, terms and eligibility change, so talk with us about what fits your situation.
We are based in Rancho Cucamonga and help buyers across California. In other states, we may be able to help through a New American Funding loan officer licensed there. Contact us to confirm.
Call 909.944.8800, email financing@tbdgmortgage.com, book a time, or start your application online.
Robert, Colleen and the team
Call the office, pick a time that works for you, or start your application. No pressure.
Call the office909.944.8800Rather we call you?
Call our office at 909.944.8800, or book a time that works for you. Monday to Friday, 8:30 to 5; Saturday and Sunday by appointment.
Stop by
Grab lunch at the market and come see us. Call ahead and we'll make sure the right person is in.
The Brandon Drew Group
Why the feather?
Read their letter“We could not give Brandon those firsts. But we could make his name part of a meaningful first for other families.”
Talk to us
Call 909.944.8800Monday to Friday, 8:30 to 5; Saturday and Sunday by appointment
Or visit our resource hub
