Rule 424(b)(2)
                                          File Nos. 333-114270 and 333-114270-03
PRICING SUPPLEMENT NO. 24 DATED February 1, 2006
     (To  Prospectus  Dated  April 21,  2004 and  Prospectus  Supplements  Dated
February 7, 2005 and December 14, 2005)

                        COUNTRYWIDE FINANCIAL CORPORATION
                           Medium-Term Notes, Series A
                   Due Nine Months or More From Date of Issue
                     Payment of Principal, Premium, if any,
              and Interest Fully and Unconditionally Guaranteed by
                          COUNTRYWIDE HOME LOANS, INC.
                                Fixed Rate Notes


Trade Date:                February 1, 2006                   Book Entry:    |X|
Public Offering Price:     100.00%                            Certificated:  |_|
Agent Discount:            4.095248%     Principal Amount:           $53,926,000
Purchase Price:            95.904752%    Net Proceeds:            $51,717,596.56
Original Issue Date:       February 8, 2006  Specified Currency:    U.S. Dollars

Stated Maturity Date:      February 8, 2036
Interest Rate:             6.00%

Exchange Rate Agent:       N/A

Agent:                     Countrywide Securities Corporation

Minimum Denomination:      $1,000
     Interest  Payment  Dates:  Semi-annually,  on the 8th of each  February and
August, commencing August 8, 2006
Record Dates: 15 days prior to the Interest Payment Date

Redemption:                                               Repayment:

     Check box opposite  applicable  paragraph:  Check box  opposite  applicable
paragraph:
     |_| The Notes cannot be redeemed prior to maturity. |X| The Notes cannot be
repaid prior to maturity.
     |X| The  Notes  may be  redeemed  prior to  maturity.  |_| The Notes may be
repaid prior to maturity.
     Initial Redemption Date:  February 8, 2011        Optional Repayment Dates:
     Initial Redemption Percentage: 100%
     Annual Redemption Percentage Reduction, if any:

Estate Option:  Check box if the Estate Option is applicable  |X|


Additional/Other           Terms: The Notes may be redeemed on the 8th of each
                           February and August, in whole or in part, on or after
                           the Initial Redemption Date, upon 10 business days'
                           notice to the Holder.















         The Notes to which this Pricing Supplement relates will constitute
unsecured and unsubordinated indebtedness of Countrywide Financial Corporation
and will rank equally with other unsecured and unsubordinated indebtedness of
Countrywide Financial Corporation. As of September 30, 2005, Countrywide
Financial Corporation, on an unconsolidated basis, had no secured indebtedness
outstanding, $10,987,047,000 aggregate principal amount of unsecured and
unsubordinated indebtedness outstanding, which indebtedness ranked equally with
the other unsecured and unsubordinated indebtedness of Countrywide Financial
Corporation and will rank equally with the Notes to which this Pricing
Supplement relates, $500,000,000 aggregate principal amount of unsecured and
subordinated indebtedness outstanding and $235,913,000 of inter-company notes
payable. As of that date, Countrywide Home Loans, Inc. had $19,324,212,000
aggregate principal amount of secured indebtedness outstanding, including
$14,966,571,000 of inter-company borrowings, and $20,458,958,000 aggregate
principal amount of unsecured and unsubordinated indebtedness outstanding,
including $21,295,000 of inter-company borrowings, which indebtedness ranked
equally with the other unsecured and unsubordinated indebtedness of Countrywide
Home Loans, Inc. and will rank equally with the Guarantees to which this Pricing
Supplement relates.

         You should rely only on the information contained or incorporated by
reference in this Pricing Supplement and the accompanying Prospectus Supplements
and Prospectus. Countrywide Financial Corporation and Countrywide Home Loans
have not, and the Agent(s) have not, authorized any other person to provide you
with different information. If anyone provides you with different or
inconsistent information, you should not rely on it. Countrywide Financial
Corporation and Countrywide Home Loans are not, and the Agent(s) are not, making
an offer to sell these securities in any jurisdiction where the offer or sale is
not permitted.

         You should assume that the information appearing in this Pricing
Supplement and the accompanying Prospectus Supplements and Prospectus is
accurate as of the date on the front cover of this Pricing Supplement only. The
business, financial condition, results of operations and prospects of
Countrywide Financial Corporation and Countrywide Home Loans may have changed
since that date.