Down Payment Assistance

Before I started helping people through the mortgage loan process 20-years ago, I was an EMT in Orange County and then a Firefighter/Paramedic in a Northern-California Fire Department. I left the department after injuries sustained in a drug lab fire.
Dan with Flag
~ Dan Sherbondy

Down Payment Assistance/Grants in California for Police, Fire, Teachers, Health Care

Qualifying Occupations in California include:

  • Peace Officers, Sheriff, Border Patrol Agents, Correctional Officers and others serving in a Law Enforcement capacity
  • Medical & Healthcare workers
  • Firefighters, CalFire, Paramedic, and Emergency Medical Technicians (EMTs), including administrative staff that supports firefighters
  • Current members of the California State Teachers Retirement System (CalSTRS) or University of California Retirement Plan (UCRP), employees of a California accredited Private, Charter or Public School District or California State University, Junior College or Private College, including school administration and staff.


  • There is NO first-time buyer requirement although first-time buyers are welcome
  • Very low 30-year fixed rates. The assistance is provided as a gift, that never has to be repaid.
  • Maximum loan amount of $625,000. The purchase price is different than the loan amount and can be higher. Make sense? If not, message me.
  • No income limits on some loans. You can make as much as you want and still get the grant.
  • Minimum credit score is 660 for FHA, and 640 for conventional. Maximum debt ratio is 45%. (Up to 50% for FICOs 680 and higher)
  • One to four unit properties are allowed, depending on the type of first mortgage. Newly constructed or existing homes are eligible.
  • The home buyer must intend to occupy the property as their primary residence.
  • Homebuyer is not required to remain in the home for any period of time after purchase and initial residency
  • Manufactured Homes converted to Real Property are allowed with a 680 middle score.very low

Text me any day until 9pm 702-326-7469 (702-DANS-HOW)

Down Payment Assistance in Las Vegas, Nevada

  •  NOT only for Public Safety but for civilians as well
  • As little as $500 out of pocket buys you a house
  • There is no first-time home buyer requirement in this program BUT borrower(s) cannot own home at time of closing.
  • Up to 5% of the Purchase Price for down payment or closing costs. 
  • Household income Maximum is $98,500
  • Up to $548,250 loan amount
  • Minimum score is 640
  • Max 45 debt-to-income (DTI) ratio
  • The most efficient way to contact me is via the form below:

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Dan Sherbondy
Senior Loan Officer
All Western Mortgage
(established in 1981)
“Dan The Loan Man”
702-326-7469 talk/text every day

Equal Housing Opportunity

Dan’s Licensing: NV MLD 45649, CA-DBO313289, CO-100516554  NMLS 313289
All Western Mortgage, 8345 W Sunset Rd Ste 380. Las Vegas, NV 89113
702-326-7469- TALK OR TEXT | | 702.369.0905 – Switchboard (Ask for Dan)

Company NMLS# 14210, NV Division of Mortgage Lending Lic# 204, CA Dept of Corporations Lic# 603F053, CA Dept of Real Estate Lic# 01893025, CO Division of Real Estate.