California Home Mortgages

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California Home Mortgages

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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 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
Capital Home Mortgage California is committed to providing California homebuyers with a comprehensive range of California Purchase Home Loans. We understand that purchasing a home is one of the most significant decisions in a person’s life and can often feel stressful. That’s why we offer dedicated points of contact to guide you through the homebuying process, ensuring you are well-informed about the different loan options available. Our goal is to make your homebuying experience smooth and efficient, helping you evaluate your options and select the loan that best fits your individual needs. At Capital Home Mortgage California, we strive to make the process as quick and easy as possible, while ensuring you make the best financial decision for your future.

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 Cash-Out Refinance Home Mortgages differ from rate and term refinances in that they allow homeowners to borrow against the equity in their homes by refinancing their current mortgage for an amount greater than the existing loan balance. The homeowner receives the difference in cash or can use the funds to consolidate date that is paid at closing.  The other main differences is that cash-out refinances have lower loan to value limits than rate and term refinances and can have slightly higher rates.

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 Construction Home Mortgages are distinct from a traditional construction home loan in combining the construction loan and the permanent mortgage into a single loan.  This means you only have to go through the application and closing process once, saving time and money.  A traditional construction home loan requires you to apply for a separate mortgage after the construction is completed.  A One time close loan also can be combined with other standard mortgage products resulting in much smaller down payments.

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
Want a new California home?  Don’t want to purchase a home from a builder?  Prefer the charm of an older home, or the elegance of a mature neighborhood… Or just want the perfect location close to town?  Making your dream home come true might just be in updating that older home. Capital Home Mortgage California offer all types of California Renovation Home Mortgages to make this happen.  To put it simply, we will handle and will walk you through the complexities involved in a construction or rehab loan.

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
A California FHA Home Loans is a mortgage insured by the Federal Housing Administration or “FHA” and issued by an FHA-approved lender.  FHA loans are designed for low-to-moderate-income applicants and first time homebuyers who need a smaller down payment.  However, FHA home loans can be used by anyone.  FHA home loans feature a low down payment, flexible credit score requirements and the ability to use gift funds for the down payment.  Other eligibility requirements for a California FHA home loan is consistent employment history and documented income.

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
A California VA Home Loans is a mortgage option for qualified veterans, active-duty service members, and select surviving spouses in California.  These loans are made by private lenders but are guaranteed by the United States Department of Veterans Affairs, allowing for favorable terms such as no down payment and no private mortgage insurance (PMI).   VA home loans are widely available, with competitive interest rates and liberal credit standards.

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
A California USDA Home Loans is a zero down mortgage program provided by the US Department of Agriculture (USDA) to assist low-to-moderate-income buyers. USDA home loans are classified into two types: USDA-Guaranteed and USDA-Direct.  The USDA-Guaranteed Home Loan is made available by a private lender and guaranteed by the USDA, whereas the USDA-Direct home loan is made available directly by the USDA.  To be eligible for USDA financing, the residence must be located in an approved rural area and household income cannot exceed 115% of the median household income in your area for Guaranteed Loans.

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
A California Native American Home Loans, also known as a HUD 184 Home Loan, is a government mortgage loan specifically for registered California Native Americans.  This loan offers easier credit qualifications, tribal grants and can be used to renovate the home along with the purchase.

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
A California Conventional Home Loans adhere to Fannie Mae and Freddie Mac requirements.  These loans can be used for primary residence, secondary and investment properties. Typical eligibility requirements include a minimum credit score of 620, a stable income, and a minimum down payment.  Conventional Home Loans are also called Conforming loans and have capped loan limits that are updated annually on January 1st base on the median selling price within a local area.

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
A California Jumbo Home Loans is a mortgage that exceeds the standard conventional loan limits.  These loans are widely utilized to finance luxury properties and have grown in popularity as values have continued to increase.  Jumbo loans frequently include fixed-rate durations such as 30-year and 15-year and adjustable-rate alternatives. Financing of up to $3,000,000 is offered at 90% with no PMI (Private Mortgage Insurance).

California Non Qualified Home Mortgages

California Mortgages Possible

  • Purchase, Refinance & Cash-out
  • Primary, Secondary, Investment
  • Full Doc Programs
  • Alt Doc Programs
  • Corporations OK
A California Non-Qualified-Home Loans, also known as a Non-QM loan, is a form of mortgage loan that does not meet the government-sponsored enterprise (GSE) requirements for a qualified mortgage.  Borrowers who fail to meet the tight standards of a qualifying mortgage, such as those with irregular income or a high debt-to-income ratio, are perfect candidates for this sort of loan.

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

California Mortgage Team

Dale-Gremillion

Dale Gremillion

Sr Loan Officer
NMLS #210325
Conor-Hayhurst

Conor Hayhurst

Branch Manager
NMLS #743506
Shawna Johnson

Shawna Johnson

Manu / Reno / OTC
NMLS #1631859

California Mortgage Company Reviews

California Cities

Los Angeles Home Loans

San diego Home Loans

Fresno Home Loans

Sacramento Home Loans

San jose Home Loans

San francisco Home Loans

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