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Get the best mortgage loan for you in California

When you decide to buy a home or refinance a mortgage in California, it's a big decision. You can trust first California Financial to find the loan program with the lowest possible interest rate that's best for you. With our proprietary system of paperless, electronic and online mortgage brokering, we can provide some of the lowest rates and terms available in California. Deal directly with us, we do not send you out to  other companies , we consider you our private client.  

Buying a new home in California can be a source of anxiety, frustration -- and a huge sense of accomplishment. You didn't pick the house that was best for someone else, you picked the one that's right for you! Trust us to make the process as smooth as it can be with, with status updates along the way. "Less paperwork and more personal attention" means you enter a frustration-free zone from application to decision. Getting the right mortgage loan here in California is like getting the keys to your new house! We can help you get there and we will help get you qualified as quickly as possible for your home loan.

Refinancing your mortgage loan in California has never been easier with us. If you thought refinancing meant getting buried under mountains of paperwork, think again! We make it easy and worry-free to reduce your interest rate and monthly payment. We are completely paperless and this allows for the most efficient and effective in the processing of your loan. Let our professionals guide you to the very best refinanced loan!

GET A  FREE RATE QUOTE NOW! or call 800-562-6770

Our mortgage professionals give you the personal attention you deserve and treat you with the respect as a private client. We understand you're making a commitment in buying a new home or refinancing a mortgage. So we make a commitment to you. We will help you qualify, apply and be approved for the right mortgage loan for you. Not anyone else!

Please call us today and allow us to help you refinance your home loan, qualify for the purchase of your new home or help you with any home loan needs you may have here in California. Find out now what we can do for you and how easy it is to get started.

Mortgage Rates Unchanged to Begin Week
5/21/2018 2:38 PM
Posted To: Mortgage Rate WatchMortgage rates held steady today, which is better than what could be said for most of last week when rates shot up to the highest levels in 7 years. Friday was the only day of improvement, but it was scarcely enough to undo the damage from the previous 4 days. That said, it did rai...Read More
Will "Freeing" Fannie/Freddie Improve Housing Finance?
5/21/2018 2:07 PM
Posted To: MND NewsWireIn a prior article we summarized the options the Trump Administration might utilize to reform the residential mortgage financing system should Congress continue to drop the ball. Two noted economists, Jim Parrott and Mark Zandi, writing for the Urban Institute, address the notion of shrinking Fanni...Read More
Lenders: Income Verification Needs for "Gig" Economy
5/21/2018 10:10 AM
Posted To: MND NewsWireLate last year Fannie Mae included questions in one of its National Housing Surveys about working in the "gig" economy. About a fifth of respondents claimed they earned at least some of their income through such employment. Gig-economy workers tend to have flexible work arrangements, working on sin...Read More
Automated Construction - Robot Frames Small Home in Two Days
5/21/2018 9:36 AM
Posted To: MND NewsWireLast week the National Association of Home Builders (NAHB) reported that severe shortages of construction tradespeople were slowing homebuilding and increasing costs. The shortages, as reported by NAHB"s new home builder members, affected all trades from rough carpenters to plumbers and masons. Now...Read More
MBS Week Ahead: Holiday-Shortened Week. Time For Consolidation?
5/21/2018 8:54 AM
Posted To: MBS CommentaryMuch like last week , this week's event calendar is limited in terms of top tier data and events, but nonetheless carries the potential for technical momentum. The underlying reasons are a bit different , however. Last week, the risk was that rates had been super flat and narro...Read More
Digital, Capital Markets Products; Regions Exits Correspondent
5/21/2018 8:12 AM
Posted To: Pipeline PressHello from the MBA Secondary Conference in NY! Lenders are talking about LO comp (“they need to share the margin pain, but no one wants to be the first to outright cut it”) and Amazon…but anyone afraid of Amazon creating a mortgage company should l...Read More
MBS RECAP: Nothing to be Mad About, But...
5/18/2018 3:43 PM
Posted To: MBS CommentaryBonds rallied today for the first time all week, and fairly well at that! 10yr yields fell more than 5bps and Fannie 3.5 MBS rose nearly 3/8ths of a point. Not much to be mad about there, right? Indeed, there's nothing to be mad about , but there are all sorts of reasons to rem...Read More
Temporary Factors Help Mortgage Rates... Temporarily
5/18/2018 2:31 PM
Posted To: Mortgage Rate WatchMortgage rates caught some small semblance of a break today. If it"s not apparent based on that assessment in conjunction with the headline, the improvements certainly left something to be desired, even though that"s to be expected, given the circumstances. Here"s what I mean by th...Read More
MBS Day Ahead: What Is a Short Squeeze And How Could It Help Us?
5/18/2018 8:21 AM
Posted To: MBS CommentaryThe notion of "positions" is extremely important to the bond market (and to any market for that matter). At the most basic level, a LONG position seeks to profit from prices rising (or yields falling) and a SHORT position seeks to profit from prices falling (or yields ris...Read More
Subservicing, Compliance, and Warehouse Products; Private Mortgage Insurance Trends
5/18/2018 8:18 AM
Posted To: Pipeline PressFolks heading to the MBA’s Secondary conference should know that there are 329 street-level newsstands in New York City. (The peak was 1,500 in the 1950s.) By law, the maximum price for anything at a newsstand is $10, meaning that newspapers are a significant p...Read More

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