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Stop Renting.
Start Building Wealth.
The California Dream For All Program Can Help You Get There.
If you’re a first-generation homebuyer in California and you’ve been thinking:
Hi, I’m Marcia Frater Your Trusted Local Mortgage Expert
Licensed Realtor since 1988 • Lending Professional since 2000.
I guide clients through the mortgage process with clarity, honesty, and care — making financing straightforward so you can focus on finding and enjoying your dream home.
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With decades of real estate experience and deep lending expertise, I provide personalized solutions designed to truly fit your goals — not just today, but long term.
What Is the Dream For All Program?
The California Dream For All Shared Appreciation Loan is designed to help first-generation homebuyers overcome the biggest barrier to homeownership: the down payment.
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Here’s What Makes It Powerful:
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It’s paired with a Conventional First Mortgage
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Provides a Shared Appreciation Loan of up to 20% for down payment and/or closing costs
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Offers a 30-year fixed-rate loan
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Helps reduce your upfront out-of-pocket costs
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This means you may be able to buy a home sooner — without draining your savings.
How Dream For All Financing Works
Who it’s for:
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First-generation homebuyers
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Buyers meeting income and household eligibility guidelines
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California residents ready to purchase a primary residence
How it works:
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A Conventional First Mortgage covers the majority of the purchase price
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The Dream For All Shared Appreciation Loan provides up to 20% for down payment/closing costs
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You benefit from a fixed rate and long-term stability
Why now:
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Housing prices aren’t getting cheaper
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Building equity beats waiting
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Programs like this have limited funding and strict guidelines
Homeownership may be closer than you think.
If you think Dream For All could be right for you, let’s review your situation together.