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C.A.R. approves 384 applications for its Mortgage Protection Program for first-time buyers. Association awarded $420,000 Ira Gribin grant to provide additional policies to first-time home buyers. LOS ANGELES, CA - August 4, 2009 - (RealEstateRama) -- More than 380 first-time home buyers have been approved for the CALIFORNIA ASSOCIATION OF REALTORS® Housing Affordability Fund (C.A.R.H.A.F.) Mortgage Protection Program (MPP). As of late July, 384 applications have been approved, and an additional 22 applications were in the pipeline awaiting approval.