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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: Small Ray of Hope Amid Scary Sell-Off
1/19/2018 6:27 PM
Posted To: MBS CommentaryToday's sell-off brought 10yr yields to their highest levels since the middle of 2014 (when they were on their way down following the taper tantrum. With this, bonds have weakened substantially for each of the past 3 weeks. That's where the small ray of hope comes in. Becau...Read More
Worst Week Since June for Mortgage Rates
1/19/2018 5:24 PM
Posted To: Mortgage Rate WatchMortgage rates remained at 9-month highs today, with most lenders in worse shape than yesterday. In the morning, the sky hadn"t yet fallen, the average lender was right in line with yesterday"s 9-month highs, but at least we weren"t any worse off than yesterday. Things changed in t...Read More
Auction Fever Heats Up Home Sale Prices
1/19/2018 11:44 AM
Posted To: MND NewsWireThe bidding wars are back . With home prices and sales back to or above pre-crisis levels and the inventory of available homes at records lows, CoreLogic"s Shu Chen says that a large and increasing share of homes sold at or above their listing prices in 2017. In September that share was back to ear...Read More
FHFA Director Watt Weighs in on Financial Reform Debate
1/19/2018 10:30 AM
Posted To: MND NewsWireBloomberg News is reporting on a proposal from Federal Housing Finance Agency (FHFA) Director Melvin Watt regarding the future of Fannie Mae and Freddie Mac (the GSEs). The two former companies, which have been in conservatorship under FHFA since 2008, are at the heart of the current debate on hous...Read More
Urban Institute Weighs in on the Rent vs. Own Under New Tax Bill
1/19/2018 8:33 AM
Posted To: MND NewsWireWhile recently passed Tax Cuts and Jobs Act will benefit the take-home pay of most Americans, and allow them to save up to buy a home if they wish, other factors will offset that benefit . This will make renting look more attractive than homeownership to many. Two analysts, Laurie Goodman and Edwar...Read More
MBS Day Ahead: Buyers Still Alive, But Still Waiting to Charge
1/19/2018 8:13 AM
Posted To: MBS CommentaryYesterday's recap is a good read if you didn't happen to catch it. Here's a link. In general, there are 2 things going on with rates right now. 1. confirmed uptrend beginning in mid-December and still intact 2. lurking buyers potentially getting closer to buying after a...Read More
Report From NEXT; Lender and Investor Freddie/Fannie Changes: Part Three
1/19/2018 8:00 AM
Posted To: Pipeline PressAs if we don’t have enough measures of housing and real estate prices, here’s another one. The RE/MAX National Housing Report tells us what most already knew: The median home price rose 8.1% year-over-year, with 50 of the report’s 54 markets posting...Read More
MBS RECAP: Not The Kind of "Interesting" We Were Looking For
1/18/2018 3:49 PM
Posted To: MBS CommentaryWell... at least things are interesting . The winter holidays are always a challenge from an analytical and market-watching standpoint. It seems like a vast oversimplification (indeed, I didn't believe it was true when someone tried to educate me years ago), but "new year ...Read More
Be Careful With News on Mortgage Rates Today
1/18/2018 2:45 PM
Posted To: Mortgage Rate WatchIt"s Thursday, which means Freddie Mac released its weekly update on mortgage rates . This is typically not that big of a deal because mortgage rates don"t tend to move enough in the short term to expose the shortfalls of Freddie"s methodology. To be perfectly fair to Freddie, thei...Read More
A Request; Should Fannie and Freddie Update Their Credit Requirements?
1/18/2018 11:27 AM
Posted To: MND NewsWireThere is a rather unusual request up on the Federal Housing Finance Agency"s (FHFA"s) website. Two FHFA analysts, saying that the issue of updating the credit score requirements for Fannie Mae and Freddie Mac (the GSEs) is among the most difficult they have faced, are personalizing an earlier forma...Read More

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