California Home Loan Refinance & Low Mortgage Rates Get Qualified For A Home Loan Today!
Home FREE RATE QUOTE Loan Application Loan Programs Get Pre Approved Mortgage Blog

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.

Q3 was "Rough Patch" for Housing; Q4 Indicators Not Positive
11/17/2017 4:29 PM
Posted To: MND NewsWireHousing activity in the third quarter of 2017 is described as "continuing its rough patch" in Fannie Mae"s latest edition of Economic Developments . The company"s economists say that activity pulled back across the board during the quarter. It was also the third in a row in which housing starts fel...Read More
MBS RECAP: Holiday Mode Engaged as Bonds Seek Center of Range
11/17/2017 4:28 PM
Posted To: MBS CommentaryWith today's modest gains, bond markets did exactly what they need to in order to keep the medium term momentum technicals perfectly flat (that flatness was discussed in the Day Ahead , if you'd like to read more about it). That commentary mentioned bonds being "done f...Read More
Mortgage Rates Unchanged Heading Into Holiday Week
11/17/2017 3:53 PM
Posted To: Mortgage Rate WatchMortgage rates barely budged today--not too surprising considering today"s bond market levels (which underlie rates) were roughly in line with yesterday"s. The average lender is quoting conventional 30yr fixed rates of 4.0% or slightly lower for top tier scenarios. Movement has bee...Read More
More Than Half of October Refis Were FHA/VA
11/17/2017 9:12 AM
Posted To: MND NewsWireThe interest rate for loans originated (closed) in October inched down 1 percentage point to 4.20 percent, the lowest rate thus far in 2017, and the sixth month in a row rates have declined. Ellie Mae also reported that the share of originations that were for refinancing moved up one percentage poi...Read More
Home Building Surges to Year"s Best Levels, Erasing Summertime Sadness
11/17/2017 8:59 AM
Posted To: MND NewsWireIt has been a while since all three measures covered in the residential construction report were strongly positive. In fact, certain metrics bordered on disconcerting during the summertime months. October"s numbers represent a major departure from that previously stagnant theme. The joint report fr...Read More
MBS Day Ahead: Bond Markets May Be Done For The Holidays
11/17/2017 8:35 AM
Posted To: MBS CommentaryTake a few steps back from the shorter-term charts (we tend to watch at 2-day chart for most lock/float purposes on MBS Live ) and a theme begins to emerge about bond market momentum over the past 2 months. There has been additional reinforcement of that them so far this week as Tu...Read More
HUD, FHA, VA, and Ginnie News; Wells Fargo Mgt. Upheaval
11/17/2017 8:22 AM
Posted To: Pipeline PressHere’s a tidbit for Happy Hour tonight. Currently, about 21 percent of filers take the mortgage deduction, but under the new framework only about 4 percent would, according to recent estimates from the Tax Policy Center. Here"s a good summary of how the current...Read More
MBS RECAP: Bonds Adrift, No Land in Sight
11/16/2017 4:17 PM
Posted To: MBS CommentaryBond markets are officially looking for inspiration, motivation, or even just something to pass the time. Today's events didn't seem to do the trick as trading levels drifted aimlessly throughout domestic hours. That's not to say bonds didn't move, however. The over...Read More
Mortgage Rates Slightly Higher
11/16/2017 3:36 PM
Posted To: Mortgage Rate WatchMortgage rates moved higher today, but the changes were minimal for most lenders. Bond markets (which underlie interest rates) have been searching for inspiration recently and largely coming up short. This morning contained several economic reports and the House passed its tax bill...Read More
Builder Confidence Nears Post Crash High
11/16/2017 9:38 AM
Posted To: MND NewsWireBuilder confidence increased for the second consecutive month after taking a hit in September from the late summer hurricanes. The National Association of Home Builders (NAHB)/Wells Fargo Housing Market Index (HMI) increased 2 points in November, hitting 70, the highest score since March . It was a...Read More

As Seen On