La Palma


La Palma was incorporated on October 26, 1955. It was originally incorporated as Dairyland, and was one of three dairy cities in the region (the other two being Dairy Valley in Cerritos and Dairy City in Cypress) but when the dairies moved east in 1965, the name of the community was changed to La Palma, after the region's Spanish heritage and its main thoroughfare, La Palma Avenue.

The Civic Center and Central Park, now La Palma's premier gathering places, were among the first projects to be completed to better the community. The City's major redevelopment project, Centerpointe, added new commercial and light industrial uses in the early 1980s.

La Palma is a well balanced city which prides itself on a responsive municipal government and a strong sense of community. The City's small town character allows residents to live in quiet and friendly neighborhoods. With one of the lowest crime rates in Orange County, La Palma is a place where residents can rest easy and enjoy hometown living. The City has been ranked one of America’s Best Places to Live, by Money magazine in 2007, 2011, and 2013.

Mortgage Assistance and Mortgage Credit Certificate Program for the City of La Palma:

A Mortgage Assistance Program for low income first time homebuyers is administered by the Affordable Housing Clearing­house under contract with Orange County Housing & Community Services. The program provides down payment assistance, targeted at the population with incomes at or below 80 percent of the area median income. Contact the County of Orange for more details regarding eligibility for this program.

The Mortgage Credit Certificate (MCC) program is a Federal Income Tax Credit Program administered by the County of Orange. The MCC program was originally created by Congress through the Tax Reform Act of 1986. The program provides assistance to first-time homebuyers in the purchase of owner-occupied residential units. The MCC program increases the loan amount offered to a qualifying homebuyer and reduces federal income taxed by 15% of the annual interest paid on a home mortgage. The MCC program entitles qualified home buyers to reduce the amount of their federal income tax liability by an amount equal to a portion of the interest paid during the year on a home mortgage. This tax credit allows the buyer to qualify more easily for a loan by increasing the effective income of the buyer.  Since the borrower’s taxes are being reduced by the amount of the credit, this increases the take-home pay by the amount of the credit, thus enabling the buyer to qualify for a larger loan than would otherwise be possible. 

Note: Both the Mortgage Assistance Program and the Mortgage Certificate Program are currently on hold.

The WISH program is available for the City of La Palma.

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

Based on information from California Regional Multiple Listing Service, Inc. as of Feb 25, 2024 5:43: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.