Mortgage rates are still making headlines!
Mortgage rates have dropped but is it enough to keep the housing market from coming to a stand still?
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Self Employed Loan Programs
For 1099 recipients, P&L users or qualify using assets.
Bank Statement Programs
See how you can qualify without having to show tax returns.
Investor DSCR or Rental Income Loans
Perfect for investors who want tenant rent to cover mortgage.
Prime Jumbo and Super Jumbo Mortgages
For high-income earners who make $250,000+ a year.
Reverse Mortgages
For homeowners to leverage the equity in their home.
FHA Home Loans
Popular for first-time homebuyers.
Refinancing
Replace your current home loan with a new one.
Conventional Mortgages/Conventional High Balance
A loan not guaranteed or insured by the federal government.
Fixed-Rate Mortgages
Offers predictability for your budget.
VA Home Loans
Guaranteed by the U.S. Department of Veterans Affairs.
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“ Luis is great person he help a lot with my difficult case of refinancing i am recommending to all my friend “
Seanna Lackey - July 14, 2021
We make mortgage possible for you, no matter how you need to qualify.
Self employed borrowers qualify using bank statements, assets or P & L, while investors can qualify using the rents only, even for short term rentals!
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Choose the option that's right for you.
CURRENT CALIFORNIA
Mortgage Rates
All mortgage rates displayed are provided by Zillow based on borrowers with credit scores between 680-740 and represent averages and trends. Please consult with us to receive a personalized rate for your specific situation.
FHA Loans
Last Updated: 03/22/2022
RATE
3.74%
APR
4.775%
1W CHANGE
0.25%
1W CHANGE
0.11%
Conventional Loans
Last Updated: 03/22/2022
RATE
3.96%
APR
4.432%
2W CHANGE
0.20%
1W CHANGE
0.25%
VA Loans
Last Updated: 03/22/2022
RATE
3.49%
APR
3.735%
1W CHANGE
0.13%
1W CHANGE
0.12%
See more mortgage rates on Zillow
Which Loan works best for the way you live and work?
We are committed to making mortgages easier to understand. We believe in special attention and detailed explanations, so you can feel comfortable with the decision you make for your mortgage.
Mortgage Calculators
Conventional mortgages are ideal for buyers with good credit and money to put down. They typically require a higher down payment, usually 5%-20%, and also have higher income and credit score requirements than government loans. Typical fixed-rate loans have a term of 30 or 15 years
FHA loans are designed to benefit first-time homebuyers and buyers with less than perfect credit and not a lot of money to put down. FHA loan limits vary by county. Click here to see the loan limits in your area.
Not sure how much of a home you can afford? Enter your personalized information below to get a good ballpark figure of the type of home you can afford today!
Curious about refinancing your home in California? Rates are historically low and now may be the right time to start saving money every month!
If you are a veteran or a current member of the U.S. military, you can apply for a VA Loan, which currently offers up to 100% home financing. Thank you for your service!
$1,583.33
MONTHLY PAYMENT
Principal & Interest
$1,275
Monthly Taxes
$208.33
Monthly HOA
$50
Monthly Insurance
$50.00
Monthly Mortgage Insurance
$177
*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice
Down Payment ($)
5%
Annual Taxes ($)
1%
Interest Rate (%)
5%
Want a copy of the Results?
Your calculations are on the way to your inbox!
$1,583.33
MONTHLY VA PAYMENT
Principal & Interest
$1,275
Monthly Taxes
$208.33
Monthly HOA
$50
Monthly Insurance
$50.00
$255,375.00
Purchase Price
$250,000
VA Funding Fee
$5,375
*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice
Down Payment ($)
5%
Annual Taxes ($)
1%
Interest Rate (%)
5%
Want a copy of the Results?
Your calculations are on the way to your inbox!
$477 /mo
Refinancing could save you
New monthly payment
$1,194
Refinance fees
$1,000
Lifetime Savings
$23,671
*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice
Want a copy of the Results?
Your calculations are on the way to your inbox!
$245,644
You can afford up to
Monthly Payment
$1,333
Principal & Interest
$1,125
Tax
$125
Insurance
$83
*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice
Want a copy of the Results?
Your calculations are on the way to your inbox!
$1,583.33
MONTHLY PAYMENT
Principal & Interest
$1,275
Monthly Taxes
$208.33
Monthly HOA
$50
Monthly Insurance
$50.00
*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.
Down Payment ($)
5%
Annual Taxes ($)
1%
Interest Rate (%)
5%
Want a copy of the Results?
Your calculations are on the way to your inbox!
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