Dana Point


Incorporated in 1989, the City of Dana Point is named after Richard Henry Dana Jr. (1815-1882), a Harvard-trained lawyer, seaman, and author of the classic sea journal, Two Years before the Mast (1840). In his journal, Dana documents his voyage from Boston around Cape Horn to California on the merchant ship, Pilgrim. Therein, Dana describes the area once known as Capistrano Bay, as "the most romantic spot in California." Today, Capistrano Bay is known as Dana Point.

On January 1, 2009, the City of Dana Point celebrated its 20th anniversary. In commemoration of the date, the Dana Point Historical Society hosted a reenactment of the city hood establishment ceremony.

Dana Point Harbor provides slips and mooring for over 2,500 boats along with over 50 specialty shops and restaurants. The Harbor attracts thousands of visitors annually for shopping, sport fishing, walking, bicycling, parasailing and a host of recreational activities. The Dana Point Harbor is also considered the gateway to Doheny State Park, one of California’s most popular beach facilities. The 62-acre State Park offers camping, picnicking, swimming, surfing, bicycling, tide pool exploration and more.

Located in southern Orange County, California, Dana Point is approximately half way between Los Angeles and San Diego, and is bordered by the cities of Laguna Niguel and Laguna Beach to the north, San Juan Capistrano to the east, and San Clemente to the south.

The County’s Mortgage Assistance Program provides silent second loans to aid low income first-time homebuyers, with annual incomes not exceeding 80% of the Area Median Income (AMI). The loans are designed to help pay for down payment and closing costs to purchase a home. The 3% simple interest, deferred payment loan has a term of 30 or 45 years depending on the funding source and a maximum loan amount of $40,000.  Homebuyers must occupy the property as their primary residence.  There is a 1% minimum down payment required, and the total sales prices shall not exceed 85% of the Orange County median sales price for all homes. All applicants are required to attend a homebuyer education workshop.

The Federal Housing Administration has been helping homeowners since 1934. FHA loans can help potential homeowners with low down payments, low closing costs, and easy credit qualifications. Down payments can be a little as 3.5%, allowing more people to qualify for housing.

The Orange County Housing Trust also provides low-interest second mortgages to qualified first-time homebuyers and down payment assistance grants to members of the Orange County workforce who wish to move closer to their place of employment.  Second mortgages up to $110,000 are available to first-time homebuyers with incomes up to 160% of the area median income.

The NeighborWorks HomeOwnership Center of Orange County provides services and training for clients looking to purchase and maintain their home. Services range from providing comprehensive homeownership education to a wide-range of down payment assistance loans and grants. Neighborhood Housing Services partners with lenders and realtors to offer a selection of affordable mortgage products and real estate services that assist homebuyers avoid excessive down payments.

The WISH Program is available in the City of Dana Point.

For additional information and find out how to qualify, please contact Andres Morales at (949)306-9260. You may also email directly at ThankYou@AndresCanHelp.com.

Based on information from California Regional Multiple Listing Service, Inc. as of Sep 29, 2023 7:44:am. This information is for your personal, non-commercial use and may not be used for any purpose other than to identify prospective properties you may be interested in purchasing. Display of MLS data is usually deemed reliable but is NOT guaranteed accurate by the MLS. Buyers are responsible for verifying the accuracy of all information and should investigate the data themselves or retain appropriate professionals. Information from sources other than the Listing Agent may have been included in the MLS data. Unless otherwise specified in writing, Broker/Agent has not and will not verify any information obtained from other sources. The Broker/Agent providing the information contained herein may or may not have been the Listing and/or Selling Agent.