California Home Mortgage Lender
Welcome to Capital Home Mortgage California, a trusted California mortgage lender dedicated to providing homebuyers and homeowners with competitive mortgage rates and low fees. Our commitment to outstanding customer service ensures a smooth, stress-free experience.
We sincerely appreciate the opportunity to earn your business. We understand that buying a home is one of the most important decisions in life, which is why we offer dedicated points of contact throughout the entire mortgage process. This personalized approach helps ensure a seamless, on-time closing, so you can focus on the excitement of purchasing your new home, not the stress.
As a direct mortgage lender, Capital Home Mortgage California manages the entire lending process from start to finish. With in-house processing and underwriting, we provide quick, common-sense approvals and timely closings.
Give us a call today at (888) 620-7744 to speak with one of our knowledgeable California Loan Officers and get started on your path to homeownership!
California Mortgage Rates
California Real estate Market
The California real estate market is dynamic and often experiences unique trends due to its diverse regions, economic opportunities, and population. Here are some key factors shaping the current market:
Demand or Low Inventory: Major cities like Los Angeles, San Francisco, and San Diego are facing limited housing inventory, which keeps property prices high. Demand has stayed strong, even in the face of rising interest rates, driven by factors like job growth in tech and entertainment hubs and limited new housing development.
Home Prices and Affordability Challenges: California remains one of the most expensive states for real estate, with home prices well above the national average. Although recent trends show some cooling due to higher interest rates, affordability remains a challenge, particularly for first-time buyers. Many buyers are moving toward more affordable inland areas or out of state.
Interest Rates Impacting Buyer Behavior: Rising mortgage interest rates have cooled buyer enthusiasm compared to previous years, though demand remains steady. Higher rates impact monthly payments significantly, leading some buyers to delay purchases or consider adjustable-rate mortgages (ARMs) and other financing solutions.
Shift Toward Smaller, Suburban Markets: Remote work options have encouraged many Californians to consider suburban and even rural areas where housing is more affordable, leading to price appreciation in areas outside the major metros, such as the Inland Empire, Central Valley, and Northern California regions.
Rental Market Growth: Due to high home prices, many people are renting rather than buying. This trend has led to a robust rental market, especially in urban centers, with demand for both long-term rentals and short-term rentals in vacation hotspots.
Environmental and Regulatory Factors: California’s housing market is influenced by strict building regulations, environmental restrictions, and a strong focus on sustainability. These factors limit new construction, particularly in areas prone to wildfires, earthquakes, and water shortages, which further tightens the supply.
New Construction and Policy Changes: To address the housing crisis, the state is pushing policies aimed at increasing affordable housing and streamlining zoning laws. However, new construction is often constrained by regulatory hurdles, environmental concerns, and high construction costs.
California Home Loans
Capital Home Mortgage California is a full-service California Mortgage Lender that offers a complete line of home loans to meet all California Residents lending needs: California Purchase Home Mortgages, California Renovation Home Mortgages, California Construction Home Mortgages, California Manufactured Home Mortgages, California Rate and Term Refinance Home Mortgages and California Cash Out Home Mortgages.
California Purchase Home Mortgages
Purchase a California Home?
- Primary, 2nd Home, Investment
- Low Rates & Fees, No fee Options
- FHA, VA, USDA, Native American
- Conventional, Jumbo & Renovation
- Manufactured, Construction, Reverse
California REfinance Home loans
California Rate & Term Refinance
- Lower Monthly Payment
- Shorten Mortgage Term
- Streamline Options Available
- Appraisal Waivers Allowed
- VA IRRRL’s
California Rate and Term Refinance Home Mortgages are a type of refinance in which the borrower replaces the current mortgage with a new mortgage. The goal of a rate & term refinance is to obtain better loan terms, such as a reduced interest rate thereby lowering the monthly payment and/or a different loan duration to either lower the payments or shorten the mortgage term, which may or may not result in a lower monthly payment. Additionally, a rate and term refinance can be used to convert from one loan program to another possibly eliminating the need for mortgage insurance.
California Cash out Home Loans
California Equity Mortgage Loans
- Debt Consolidation
- Investment Opportunities
- Home Improvement
- Dream Vacation
- Higher Education
California Construction Home Loans
Build Your California Dream Home
- Primary Residences Only
- One Time Close
- Lock Rate at Closing
- Traditional Final Mortgages
- No Payments During Construction
California Renovation Home Loans
Looking to Rehab a California Home?
- Remodel, Renovate or Repairs
- FHA 203K Streamline
- FHA Full Documentation Rehab
- Fannie Mae Homestyle Reno
- Freddie Mac Home Choice Reno
California Manufactured Home Loans
California Alternative Housing
- Existing Purchase or Refinance
- New Construction
- One Time Close Land/Home Combo
- Lock at Contract
- FHA, VA, USDA, Native American
A California Manufactured Home is a residential structure built off-site in a factory setting, then transported to its permanent location and placed on a foundation. Modern manufactured houses can be quite sophisticated in design and can offer amenities similar to site-built homes. They can be single-wide, double-wide, or even larger, and they’re constructed using materials and techniques that meet stringent quality standards. Manufactured Homes are built on steel chassis which offer a quicker construction and cost advantages. Contact us today to learn about California Manufactured Home Mortgages.
California Purchase Mortgages
Capital Home Mortgage California is a full-service California Mortgage Lender that offers a complete line of home loans. Whether you are a first-time purchaser seeking a California FHA Home Mortgages, looking for a rural property and needing a California USDA Home Mortgages, a Native Californian wanting to use the HUD 184 California Native American Home Mortgages , an active or retired veteran in need of a California VA Home Mortgages , wanting to purchase that dream home over conforming limits with a California Jumbo Home Mortgages, a seasoned buyer in need of a California Conventional Home Mortgages or looking for alternative financing with a California Non QM Home Mortgages we are here to assist.
Call today (888) 620-7744 to talk to one of our California Loan Officers.
California FHA Home Mortgages
1st Time California Homebuyers
- Smaller Down Payments
- Flexible Underwriting Guidelines
- Higher Debt to Income Allowed
- Lower Credit Scores – Down to 500
- Down Payment Gifts Allowed
California VA Home Mortgages
100% Loans for California Veterans
- No Mortgage Loan Limits
- Simple Qualifying
- Higher Debt to Income Allowed
- Lower Credit Scores – Down to 500
- Manual Underwriting Allowed
California USDA Home Mortgages
100% California Rural Home Loans
- Primary Residences
- No Down Payment Required
- New Manufactured Homes Allowed
- Closing Costs / Repairs Rolled In
- Geographic and Income Limits Apply
California Native American Home Mortgages
California Hud 184 Home Loans
- Primary Residence Only
- Manual Underwriting for All Loans
- No Credit Score Requirements
- Tribal Grants Allowed
- Purchase, Refinance, and Renovation
California Conventional Home Mortgages
Flexibility for California buyers
- Primary, 2nd Home, Investment
- Single and Multi-Family Properties
- Variable Mortgage Insurance Options
- Low Rates & a Variety of Terms
- Renovation Programs Available
California Jumbo Home Mortgages
California Non-Conforming Loans
- Primary & 2nd Homes
- Variety of Mortgage Programs
- Simple Qualifying for Veterans
- Investor Specific Guidelines
- Credit Score Minimums
California Non Qualified Home Mortgages
California Mortgages Possible
- Purchase, Refinance & Cash-out
- Primary, Secondary, Investment
- Full Doc Programs
- Alt Doc Programs
- Corporations OK
California Reverse Home Mortgages
Your California Home at Work
- Primary Residence Only
- Simple Qualifying – Equity Based
- No Credit Score Requirements
- Minimum Age 62
- Purchase, Refinance, and Cash-Out
A California Reverse Home Loans, also known as a home equity conversion mortgage, is a type of loan available to homeowners typically aged 62 or older, allowing them to convert part of the equity in their home into cash. Unlike a traditional mortgage where the borrower makes monthly payments to the lender, a reverse mortgage pays the homeowner, either through a lump sum, monthly payments, or a line of credit.
Why California is Choosing Capital Home Mortgage
Close On Time
Complete Control from Application to Funding
Low Rates & Low Fees
Direct Lender with Competitive Rates & Fees
Exceptional Service
7 Day a Week Support Application to Funding