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California Home Loans
Need a loan to buy a home?
We are a Direct Lender and offer conventional, conforming and FHA loans to purchase a primary residence, second home, vacation, or 2 - 4 unit property in CA.
If you're in the market to buy a new home in California, we offer low interest rates with fast and efficient closings — many times in as little as 2 weeks! With loan interest rates as low as they've been in 40 years, there's never been a better time to buy a home.
A Variety of Home Loans For California Real Estate
We provide many other California home loans through our broker division to meet both your financial goals and your budget:
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- Loans for veterans (VA, CalVet)
- CA state employee loans (CalPERS)
- CA teacher loans (CalSTRS)
- Fixed rate home loans and ARMs
- FHA Loans with low down payment and credit scores as low as 620
- FHA 203k and Fannie Mae Home Renovation Loans -- purchase and renovate a fixer-upper for your primary residence OR investment property
- Primary homes, second homes, vacation and investment 1 - 4 units
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- Manufactured Home Loans (must be newer than 1976, permanently attached to a HUD-approved foundation on land you OWN, not lease or rent). We do not finance mobile homes or manufactured homes on leased land or in parks. Must be assessed as real estate, not personal property.
- 100% financing in designated areas of CA with the Cal Rural Home Loan
- Jumbo & Super-Jumbo Loans to $20 million. Interest-only and 40-year terms to $5 million
- Hard money loans available with poor credit, cash-equity purchases of second homes and investment 1-4 unit homes. Self-employed, previous bankruptcy, foreclosure are OK with hard money!
- Loans to business entities -- LLC, LLP, Corporations OK.
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Getting a loan to buy a home doesn't need to be difficult and stressful. The keys to a successful transaction are:
- Being preapproved early on. Have all of your income, banking, and asset documentation ready when you apply. Having up-to-date documentation is the key to having your loan approved in a timely manner.
- Being comfortable with your lender. Work only with someone you like and trust. Your loan officer should take the time to evaluate your circumstances, credit, budget, and answer any questions you have. You should be presented with options when applicable.
- Knowing what your total monthly payment will be, including principal and interest, property taxes, insurance, and any homeowner association fees. Equally important is knowing what your net ownership cost will be -- that is, the adjusted monthly cost after your allowable deductions for interest and taxes are credited to you, divided by 12 months.
- Knowing what your total loan fees will be. A complete and honest accounting of the total cost to you is important, and required under the law.
I can provide you with a no-cost, no obligation quote for your home loan today — just call me, or fill out my online Inquiry form and I'll match your qualifications and budget to a new home loan that works for you!
Get your a personalized Mortgage Analysis Report — see & compare the benefits in writing
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