California Mortgage Loans Low California Mortgage Rates
Save money with a California Mortgage lender providing low mortgage rates for a variety of home loan & refinance programs. Borrowers get to work with local mortgage lenders in California that provide finance solutions to all types of borrowers.
Our lenders 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.
Nationwide Mortgages understands credit and the challenges that come with financing a California home in a high cost region. Refinancing to get cash out 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. With 30-year mortgage rates in California falling to 4% under the conforming programs, millions of homeowners continue to get in line to lower their monthly payments with lower interest rates. 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.
California Jumbo Loans
Cash Back Now
Refi Neg-Am Loans
Refinance with No Equity
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 up to 55% with Debt Relief
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.
With record low FHA mortgage rates, home purchase and refinance mortgages are very 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.
No Cost second mortgage for California loan applicants
Require a $20,000 draw at closing
Minimum loan amount is $20,000
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%
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.
30 Yr Amortization: First Mortgage programs are available with a 2/28 or 3/37 LIBOR ARM and 30/10 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 Mortgage Lenders
