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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.

MBS RECAP: Trade Fears Hitting Stocks; Stocks Try to Take it Out on Bonds
3/23/2018 4:25 PM
Posted To: MBS CommentaryBonds showed both their hands early today. The first was seen in the overnight session when decent overseas buying demand pushed yields below the incredibly solid 2.80% floor. Sellers stepped in quickly and pushed yields back into weaker territory for the start of the domestic sess...Read More
Mortgage Rates Sideways to Slightly Higher Despite Stock Rout
3/23/2018 3:57 PM
Posted To: Mortgage Rate WatchMortgage rates were just barely higher in many cases today, although underlying bond markets recovered enough ground by the afternoon to suggest Monday"s rates will recoup those losses. The only catch is that other factors can have an effect on bonds between now and then. If bond m...Read More
Mortgage Profits Plummeted in Fourth Quarter
3/23/2018 12:10 PM
Posted To: MND NewsWirePer loan profits of Independent mortgage banks and mortgage subsidiaries of chartered banks fell dramatically in the fourth quarter of 2017. The Mortgage Bankers Association (MBA) reported a net gain of $237 on each loan they originated down from $929 per loan in the third quarter of 2017. As bad a...Read More
New Home Sales Still Falling, Prices and Inventory Up
3/23/2018 11:34 AM
Posted To: MND NewsWireThere was much better news in February than in January regarding new home sales. Those sales had been reported down by 7.8 percent on top of a 9.3 percent decline in December. Sales pulled out of that nosedive last month, eking out an 0.6 percent increase from January. In addition, the January numb...Read More
Not Everyone Benefits from Home Price Gains
3/23/2018 10:14 AM
Posted To: MND NewsWireMortgage rates have increased 49 basis points since the first of the year, with the 30-year fixed rate mortgage (FRM) standing at 4.44 percent on March 15 according to Freddie Mac"s Primary Mortgage Market Survey. Given the robust economic fundamentals, Freddie Mac"s economists expect the Federal R...Read More
Digital Lender Products; Update on Vendors; Rates Edge Higher
3/23/2018 8:14 AM
Posted To: Pipeline PressThe Census Bureau defines millennials as those born between 1982 and 2000, which means this year their age ranges from 18 to 36. Many will argue that a 36-year old doesn’t have a lot in common with a current high school senior, but the Bureau has lumped them to...Read More
MBS Day Ahead: Without a Rally, Bonds Build a Stronger Case For Resistance
3/23/2018 7:31 AM
Posted To: MBS CommentaryThe past 2 days represented a nice little run for bonds, but unfortunately it may end up looking like one of those fool's errands that was destined to hit an unmovable brick wall. Actually, in this case, it would be more like a brick floor for rates. I'm speaking, of course...Read More
MBS RECAP: Stocks and Bonds Riding Same Train For Mostly Different Reasons
3/22/2018 4:38 PM
Posted To: MBS CommentaryToday was simple and straightforward in one sense. Stocks and bond yields (rates) were both moving lower, and that's something the two have been known to do when investors are moving away from "risk." But the underlying reasons for the move lower only overlapped a lit...Read More
Mortgage Rates Back at This Week"s Lows
3/22/2018 4:04 PM
Posted To: Mortgage Rate WatchMortgage rates continued lower today on a combination of global reaction to yesterday"s Fed Announcement and apprehension over new tariffs on China. The Fed Announcement was positive due to Jerome Powell"s press conference--an event that happens late enough in the day that overseas...Read More
Black Knight: Prepayments are Falling, Hurricane Effect Lingers
3/22/2018 9:51 AM
Posted To: MND NewsWireAs interest rates rise and refinancing declines, the impact is beginning to manifest in the loan prepayment rate . The single month mortality rate (SSM) followed a 15 percent decline in January with another 9 percent loss in February. Black Knight says, in its "first look" at February loan performa...Read More

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