Most Buyers Can Afford More Than They Think

Most Buyers Can Afford More Than They Think

by Chris Kobz, SVP & Director of California Employee Loan Program | Apr 29, 2025 | First Time Home Buyers, Home Buying

What if buying a home was easier — and more affordable — than you thought? Most buyers overestimate what it takes to qualify for a home. With the CELP Team, it only takes a few minutes to see what’s truly possible — and you can do it all from the comfort of your own...
Own a Home with No Down Payment – Let’s Explore Your Options!

Own a Home with No Down Payment – Let’s Explore Your Options!

by Chris Kobz, SVP & Director of California Employee Loan Program | Feb 20, 2025 | Down Payment Assistance, First Time Home Buyers, Home Buying, Real Estate

Thinking about buying a home but worried about the upfront costs? The California Employee Loan Team is trained and certified in all CalHFA programs, giving you access to exclusive assistance that can cover your down payment and closing costs. What is CalHFA and Why...
Why Buying Real Estate Young is the Ultimate Wealth-Building Move

Why Buying Real Estate Young is the Ultimate Wealth-Building Move

by Chris Kobz, SVP & Director of California Employee Loan Program | Nov 26, 2024 | First Time Home Buyers, Home Buying, Real Estate

Investing in real estate as early as possible is one of the smartest financial decisions you can make, especially if you’re in California, where programs like bond initiatives can help you purchase a home with no down payment. These opportunities make entering the...
First-Time Homebuyer Guide

First-Time Homebuyer Guide

by Chris Kobz, SVP & Director of California Employee Loan Program | Sep 18, 2024 | Down Payment Assistance, First Time Home Buyers, Home Buying

Buying a home for the first time can feel like a big leap, especially in California where home prices can be intimidating. But don’t worry—there are several programs available that can help make homeownership more accessible and affordable. Two of the main...
How Homeownership is Life-Changing for Many Women

How Homeownership is Life-Changing for Many Women

by Chris Kobz, SVP & Director of California Employee Loan Program | Apr 3, 2023 | First Time Home Buyers, Home Buying

Last month was Women’s History Month, and many of us spent time reflecting on the impact women have had in our lives. One thing you might not have considered during this past month is the impact that women have had on the housing market as well. In fact, since 1981,...
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HappyDog CELP

300 Salem Street, Chico, CA 95928   |   Go Rascal Inc. NMLS ID: 2072896

HappyDog is a registered DBA of Go Rascal Inc., a licensed mortgage broker. Loans are arranged through third-party lenders. All loans are subject to underwriting approval, terms and conditions may apply, and programs are subject to change without notice. We are an Equal Housing Opportunity mortgage broker. We do not discriminate based on race, color, religion, nation origin, sex, familial status, or disability. This website is intended for consumers in Arizona, California, Colorado, Oregon, Texas, and Washington only. Go Rascal Inc. does not conduct business as HappyDog in any states not listed.

Complaints may be directed to: (877) 699-0353 or Email us: celpteam@happydog.com.

NMLS Consumer Access

Equal Housing Opportunity