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Justin Walsh
Justin Walsh
Branch Manager · NMLS #968831
(949) 298-7060
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Community Advantage Program
eligible listings across LA County

Every home below qualifies for the program — significant rate discounts, low down payment, and no PMI. Search, filter, and share with your buyers.

Up to 1.5% off rate 3–5% down payment No PMI No lender fees 640 min FICO $832,750 max loan
0 eligible listings shown
Address↕ City / ZIP↕ Type↕ Price↕ Days↕ MLS #↕ Listing Agent↕

Program eligibility & resources

Eligibility is based on the property’s location. Use the map as a quick reference, then share the program flyer with your buyers.

Los Angeles County Community Advantage Program eligibility zones

*A general overview of Los Angeles County eligibility zones (highlighted areas). For other counties or specific address inquiries, contact Justin at (949) 298-7060.

How the Community Advantage Program works

For buyers, the program can shave hundreds off the monthly payment through a discounted rate and no PMI. For agents, it lets you place a conventional offer. Eligibility is based on the property’s location and is not restricted to first-time buyers.

  • Must be a primary residence
  • 640 minimum credit score
  • Property must be in an eligible area
  • 3% down for first-time buyers · 5% down for repeat buyers
  • Discounted rates of up to 1.5% based on borrower qualifying factors
  • Fixed-rate loans for 15, 20 & 30-year terms, plus Temporary Buydown
  • No mortgage insurance · follows conventional loan qualifications
↓ Download program flyer (PDF) Email Justin Call (949) 298-7060