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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.

Mortgage Rates
MBS RECAP: Range Holds as Risk Appetite Returns
2/27/2017 4:34 PM
Posted To: MBS CommentarySeveral events helped get investors back in a riskier mood to begin the new week. Overnight reports of the "status quo" candidate polling better in the French election helped the momentum get underway. During domestic hours, economic data was weaker overall, but generally...Read More
Mortgage Rates Slightly Higher
2/27/2017 3:47 PM
Posted To: Mortgage Rate WatchMortgage rates moved slightly higher after a strong run to the lowest levels of the year as of last Friday. In general, financial markets moved toward safer investments (like bonds) heading into the weekend. When demand for bonds increases, rates move lower. As the new week got und...Read More
CoreLogic"s Case For Improving Property Tax Estimates
2/27/2017 9:36 AM
Posted To: MND NewsWireThe Truth-in-Lending/RESPA (TRID) rules implemented in late 2015 have placed increased pressure on the accurate forecasting of estimation of non-mortgage related costs for the loan estimates that must be provided to borrowers. Dom Lalisse, CoreLogic"s Director of Product Management, says this is es...Read More
Highest Home-Buying Demand in Years Stifled by Tight Inventory
2/27/2017 9:24 AM
Posted To: MND NewsWireTight inventories are again being blamed for a downturn in home sales, this time January"s ones. The National Association of Realtor"s® (NAR"s) Pending Home Sale Index (PHSI) declined by 2.8 percent from December, reaching the lowest level in a year. The PHSI is a forward-looking indicator base...Read More
Rent Trends Continue to Help Lenders; FHA and Ginnie Changes in the Marketplace
2/27/2017 9:03 AM
Posted To: Pipeline PressIf you’re a lender in only one state, just think about the state and federal regulations you must deal with, not to mention the investor or agency rules. If you’re a nationwide lender, you can grapple with 49 other rules and regulations. If you service lo...Read More
MBS Week Ahead: Decision Time For The Range as Data Ramps Up
2/27/2017 7:31 AM
Posted To: MBS CommentaryThe past 5 business days of bond market rallies brought yields right to the lower edge of 2017's range . We had been tracking these movements in terms of a "consolidation range" (i.e. converging lines connecting higher lows and lower highs) but the most recent strengt...Read More
MBS RECAP: Bonds Briefly Touch 2017"s Best Levels For No Apparent Reason
2/24/2017 4:33 PM
Posted To: MBS Commentary"For no apparent reason" is a bit of an overstatement. There are several plausible reasons that bonds could be rallying as well as they are at the moment-- not the least of which being the extent to which they sold off at the end of 2016. The rationale for the 2016 sell-o...Read More
Mortgage Rates in Line With 2017 Lows
2/24/2017 3:26 PM
Posted To: Mortgage Rate WatchMortgage rates moved lower for 3rd straight day (and the 5th time in the past 6 days). That makes this the best winning streak of the year and it brings rates to the lowest levels of the year (matching February 8th and a few days in early January). From here, you"d have to go back ...Read More
New Home Sales Up Less Than Expected; Prices up 7.5% Annually
2/24/2017 9:53 AM
Posted To: MND NewsWireSales of newly constructed homes, had a strong start in 2016 but flattened out toward the end of the year and ended with a dismal December. Now 2017 has also started on a positive note. The Census Bureau and the Department of Housing and Urban Development reported sales were up in January by 3.7 pe...Read More
Banks and Lenders Adjusting Business Models; Radian President to Retire; Upcoming Events
2/24/2017 9:21 AM
Posted To: Pipeline PressBoss: "Working hard here, Jimmy?" Jimmy: "Yep, ever since I heard you coming down the stairs!" Mortgage banks are working hard, but banks and other financial institutions have the inside track when it comes to offering other products – more a few paragraphs dow...Read More

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