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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.

Rates Rise but Refi Share Unchanged
9/22/2017 11:26 AM
Posted To: MND NewsWireRefinancing accounted for 35 percent of all mortgages originated in August, unchanged from July, but down from 47 percent at the beginning of the year. Ellie Mae"s says, in its Origination Insight Report for the month, that refinancing is holding up especially well among conventional loans where th...Read More
UI Praises HARP Benefits, Lessons
9/22/2017 10:14 AM
Posted To: MND NewsWireSometimes government gets it right. The Urban Institute (UI) clearly thinks that the Home Affordable Refinance Program, at least in its second iteration , was one of those times. The history of HARP, as the program is known, is the subject of a post in UI"s Urban Wire blog credited to four UI analy...Read More
Agency Conforming Changes; Market Exec on Cost to Originate
9/22/2017 8:37 AM
Posted To: Pipeline PressWelcome to the autumn equinox. How about this? There have been no public CFPB enforcement actions or consent orders dealing with QM, ATR, or TRID. Zero, zip. Has the CFPB realized that companies are genuinely trying to adhere, and that having 100% TRID error-free ori...Read More
Home Equity Increases, Average Gains Vary Wildly
9/22/2017 8:18 AM
Posted To: MND NewsWireRising home prices continue to fuel fast growth in household equity. CoreLogic said on Thursday that owners of mortgaged properties in the U.S. (roughly 63 percent of all homes) gained an aggregate of $766 billion in additional equity between the second quarter of 2016 and the same quarter this yea...Read More
MBS Day Ahead: Despite North Korea Headlines, Same Showdown on Tap
9/22/2017 7:59 AM
Posted To: MBS CommentaryWith a dearth of economic data on the calendar, bond traders were set to take cues from other traders, technical levels, and perhaps a big-ticket headline or two. Today begins with just such headlines . As has been the case for several market moving headlines of late, today's c...Read More
MBS RECAP: Bonds Generally Hold Ground, Complicating The Outlook
9/21/2017 3:40 PM
Posted To: MBS CommentaryIn a sick way, it would have been easier to see additional weakness in bond markets today. At least that would have jived with past precedent of "course corrections" from the Fed resulting in a shift in the prevailing momentum. Arguably, yesterday's Fed announcement w...Read More
Mortgage Rates Find Some Support
9/21/2017 2:44 PM
Posted To: Mortgage Rate WatchMortgage rates have been higher almost exclusively for the past 2 weeks. Yesterday was no exception as the Federal Reserve released a rate hike forecast that was slightly more optimistic than markets were expecting. By yesterday afternoon, the average 30yr fixed mortgage rate was a...Read More
3 Trends That Will Drive The Mortgage Market in 2018 - Freddie Mac
9/21/2017 11:36 AM
Posted To: MND NewsWireHard to believe it"s already that time again, but Freddie Mac"s Economic and Housing Research Group are out with their forecast for 2018. The headline is that they expect the economic environment to remain favorable for housing and mortgage markets, with moderate economic growth of about two percen...Read More
Pacific Division Prices Down in FHFA Report
9/21/2017 8:48 AM
Posted To: MND NewsWireHome prices increased by 0.2 percent from June to July according to the Federal Housing Finance Agency"s (FHFA"s) House Price Index (HPI). The previously reported May to June gain was unchanged at 0.1 percent. Analysts expected a more aggressive increase . Those polled by Econoday had reported a co...Read More
MBS Day Ahead: Bond Sell-Off"s Grinch-Like Heart Growing 2.28 Sizes
9/21/2017 8:43 AM
Posted To: MBS CommentaryRemember when the Grinch's heart grew 3 sizes? No, I mean, do you really remember watching that movie for the first time and the feeling you had when you saw the Grinch finally on the cusp of doing something redeeming? Fans of low rates might be having a similar feeling today. ...Read More

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