We are a California Mortgage lender providing a variety of home loan and mortgage refinance programs. Borrowers can choose from fixed rate refinance, interest only home equity, second mortgages, 100% jumbo purchase loans and debt consolidation financing. We help homeowners’ get home financing with good & bad credit. Our California lenders provide conforming, jumbo, bad credit, FHA, VA and negative amortization home mortgage options to ensure the lowest possible mortgage payment. California mortgage rates have dropped to 30-year lows so don’t miss out on the home financing bonanza!
Local applicants are invited to shop and compare California mortgage loans, rates, loan quotes, news articles and for helpful insight for consumers in the Western Unites States.
Low Rate Home Loans
California Jumbo Loans
Cash Back
Refi Neg-Am
Pay Option
Interest Only
Nationwide Mortgages understands credit and the challenges that come with financing a California home in a high cost region. Refinancing or adding a California home equity loan can help your credit rebound, and in most cases will help improve your credit scores with timely payments. If our California lenders are unable to meet your needs, our friends and FHA Home Loan Services may be able to provide a California home loan that makes sense for you.
Combine multiple mortgages into one loan
Refinance Risky Negative Amortization Home Loans
Consolidate all your bills into one lower mortgage payment
Minimum loan amount is $20,000
Must Have Qualifying Credit Score & CLTV Requirements
40-Year Amortization Term
Four options available: 40-Year Fixed,
Maximum LTV 100%, Maximum CLTV 100%
Loan Amounts to $1,500,000
100% LTV Full Doc minimum 580 Credit Score
95% LTV Stated Doc minimum 620 Credit Score
Maximum Debt to Income - 55% up to 90% LTV;
Documentation Types - Full, Limited and Stated Income
Interest Only
Stated Income Mortgage
100% CLTV on Owner Occupied Properties
90% on Non-owner Occupied Properties
Qualify at fully amortizing payment
1-4 Units Condos and PUD's
California Mortgage Terms:
First Mortgage Product is available with a 2/28 or 3/27 LIBOR ARM, a 15/15 and 30/30 fixed term, and a 30/15-balloon term. The 2/28, 3/27 and 30/30 terms are available with an Interest Only option with some restrictions.
The Second Mortgage Loans are available with a 15,20, 25 and 30-Year fixed term and a 30/15-balloon term.
Pricing is subject to change daily. Please refer to loan officer for updated interest rates by state.
40 Yr Amortization: First Mortgage programs are available with a 2/38 or 3/37 LIBOR ARM and 40/30 Balloon first
Interest only is available on the 2/28, 3/27 and 30/30 first liens only
Apply Online or Call our Friendly & Experienced California Lenders
