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California Mortgage Lenders
for Low California Mortgage Rates

Learn how to save money with lenders that compete for the best interest rates and home loan programs online. Sit back at home and compare our low rate purchase and refinance programs. Borrowers get to work with local mortgage lenders in California that provide finance solutions to all types of borrowers. Shop lenders that offer a vast range of loans such as, a fixed rate refinance, interest only home equity mortgages, jumbo purchase loans and debt consolidation financing. Simply put ---we help homeowners' get affordable home financing for loan applicants with low and high credit scores. Our California lenders provide conforming, jumbo, 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.

Check Out Our Aggressive California Mortgages Online for Great Fixed Rates

Preferred Loan Type:
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Shop local lenders who understand credit and the challenges that come with financing a California home in a high cost region. Did you know that refinancing to get cash out or adding another secure loan can help your credit rebound, and in most cases will help improve your credit scores with timely payments?

Compare Mortgage Lenders in California Today!

California Mortgage Lender

With 30-year mortgage rates in California falling near annual lows on conforming programs, millions of homeowners continue to get in line to lower their monthly payments with lower interest rates. Whether you are looking for a FHA loan, a military mortgage or a hard money loan, chance are that our California lenders will be able to meet your needs.

California Home Loans
  • California Jumbo Loans
  • Cash Back Now
  • Refi Underwater Loans with HARP
  • Refinance with No Equity
  • Debt Refinancing
  • Finance a House in CA
  • Combine multiple mortgages into one loan
  • Refinance Risky Negative Amortization Home Loans
  • Consolidate all your bills into one lower mortgage payment
  • Refinance your variable California mortgage rates
  • Save when with consolidating variable rate debt
  • Interest Only California Jumbo Mortgage Options
  • Convert your adjustable rates to a Fixed Rate Loan
  • Rebuild your credit and raise your fico scores
  • California Mortgage Refinance Discounts
  • Finance Home Improvements with FHA 203k Loans
  • Refinance adjustable home credit lines

Don't get burned by fly-by-night brokers! Talk to a California lender that specializes in California mortgage origination.

The current FHA mortgage rates are breaking records that make home financing in California even more attractive. With the new HARP 2.0, purchase and refinance mortgages are more appealing for borrowers who do not have enough equity to meet lending eligibility. Consider adding a second mortgage if you need quick cash for home renovation or bill consolidation. If you are turned down for an equity loan, consider a government loan from VA or FHA.

Borrowers in Southern California have been reporting struggles in their efforts to take out additional mortgages for cash. So many homeowners are underwater that most mortgage companies do not want to take chances on 2nd mortgages and credit lines. Read the article on Home Equity Loans in San Diego.

State of California at Risk to Go Bankrupt Believe it or not, cities and states in the U.S. can go bankrupt. Just like a business or homeowner, states do default on loans and the ripple effect is immense. The housing market has suffered for over 6 years in Southern and Northern California and many banks are quietly discussing the fall-out if the Golden State dries up.

After all, home values in the state are just starting to rebound and if record low rates in California are any indication, the housing sector could be rebounding ---Read the LA Times article on Cities and Bankruptcy Risks.

Mortgage Disclosure
3% mortgage rates in California are based on a 30-year fixed interest rate program for a loan amount less than $417,000. (APR 3.37%) This quoted rate was for a borrower with a 720 fico that agreed to pay $1,875 at closing for associated lending charges 9-09-12.


Our California Mortgage Lenders Work with Licensed Appraisers in Your Area.
San Bernardino Santa Clara San Luis Obispo
Sacramento Ventura Irvine
Riverside County Santa Barbara San Diego
Orange County San Francisco Los Angeles

NO COST Home Equity Line of Credit:

  • California mortgage lenders pay all 3rd party fees
  • No Cost second mortgage for California loan applicants
  • Must Have Qualifying Credit Score & Combined Loan to Value Requirements

30-Year Amortization Term

  • Four options available: 30-Year Fixed,
  • Maximum LTV 96.5%, Maximum CLTV 100%
  • California Loan Amounts to $1,800,000
  • 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 (see lender for availability)
  • 100% CLTV on Owner Occupied Properties (see lender for availability)
  • 80% on Non-owner Occupied Properties
  • Qualify at fully amortizing payment
  • 1-4 Units Condos and PUD's

California Mortgage Terms:

  1. 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.
  2. The Second Mortgage Loans are available with a 15,20, 25 and 30-Year fixed term and a 30/15-balloon term.
  3. Pricing is subject to change daily. Please refer to loan officer for updated interest rates by state.
  4. 30 Yr Amortization: First Mortgage programs are available with a 2/28 or 3/37 LIBOR ARM and 30/10 Balloon first
  5. Interest only is available on the 2/28, 3/27 and 30/30 first liens only (See California lenders for more info and underwriting criteria.)

Apply Online or Call our Friendly & Experienced California Mortgage Lenders

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This is not an advertisement for credit. See Privacy for Details. does not approve mortgage loans in California or any other of the 49 states online. This site does not offer debt consolidation, consumer counseling, foreclosure prevention or any other loan relief assistance in the State of California. Nothing on this web site contains an offer promise either to make an equity loan or that any participating California mortgage lender will guarantee any home loan for any purpose or on any specific terms. Home mortgages cannot be made online or be approved without an underwriter analyzing your credit score, debt to income ratio and combined loan to value.

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