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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.

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MORTGAGE NEWS :
 
MBS RECAP: Yellen Passes Without a Trace. What Now?!
8/26/2016 2:01 PM
Posted To: MBS CommentaryAll eyes were on Yellen's 10am speech from Jackson Hole, then all eyes were closed as traders fell asleep from boredom. Yellen said nothing we didn't already know, although one headline (about the case for a rate hike being stronger) sent rates initially higher. Once market...Read More
 
Mortgage Rates Slightly Higher After Fed Speakers
8/26/2016 9:54 AM
Posted To: Mortgage Rate WatchMortgage Rates were unchanged to slightly lower this morning following the much-anticipated Jackson Hole speech from Fed Chair Janet Yellen. Markets were looking for clues about upcoming rate hikes, but true to form, Yellen played things close to the vest. Underlying bond markets i...Read More
 
PMI Insurers Winning FHA Smackdown
8/26/2016 8:08 AM
Posted To: MND NewsWireAmong the charts and tests summarizing most of the housing finance news that emerged during July, the latest issue of the Urban Institute"s (UI"s) Housing Finance Chartbook contained a few unique visualizations. First, loans featuring coverage by private market insurers (PMI) surpassed the market s...Read More
 
HARP Extended; Continued Conventional Conforming Changes
8/26/2016 8:05 AM
Posted To: Pipeline Press“Rob, have you seen any place where I can see individual lender stats for VA loans?” Sure. Here it is . Knock yourself out. For you CFPB watchers, it has ordered First National Bank of Omaha to provide $108 per head, or $27.75 million, in relief to roughl...Read More
 
MBS Day Ahead: Today Does Absolutely Nothing For Bigger Picture
8/26/2016 3:31 AM
Posted To: MBS CommentaryAll too many lookers on--myself included--have made far too much of today's Jackson Hole speech from Fed Chair Yellen (11am ET, we're led to believe). I'm here to make amends for that. It's not that Yellen's speech can't or won't matter. Indeed some of t...Read More
 
MBS RECAP: Markets Offer No Sign of Pre-Yellen Tilt
8/25/2016 3:14 PM
Posted To: MBS CommentaryAs we discussed this morning, sometimes markets will take a "lead-off" ahead of a big potential market mover if there's an underlying predisposition that traders have been 'hiding' (for lack of a better term). This has resulted in some surprisingly big moves a...Read More
 
Flat Mortgage Rates Meet Big Potential Volatility
8/25/2016 2:22 PM
Posted To: Mortgage Rate WatchMortgage Rates were unchanged , yet again, keeping alive an uncanny streak of lifelessness. That COULD change tomorrow after Fed Chair Yellen"s speech at the Jackson Hole symposium, but please note the emphasized word. This is always the case when it comes to big potential market m...Read More
 
New HARP Kills Cut-Off Date, But You Have to Wait
8/25/2016 12:57 PM
Posted To: MND NewsWireWhile implementation is a ways down the road, both Fannie Mae and Freddie Mac (the GSEs) will offer new streamlined refinance options aimed at borrowers with high loan-to-value (LTV) ratios. The Federal Housing Finance Agency (FHFA), conservator of the GSEs, announced on Thursday that the new produ...Read More
 
Cash Sales Retain Elevated Share of Market
8/25/2016 12:06 PM
Posted To: MND NewsWireWhile the both the investor share of home sales and the share represented by distressed properties are setting post-crash lows, the share of cash sales remains elevated . CoreLogic reports that in May cash sales represented 30 percent of home sales. While this was down 1.7 percentage points from Ap...Read More
 
Appraisal Trends; Fannie & Freddie - Never a Dull Moment
8/25/2016 8:08 AM
Posted To: Pipeline PressHow’d you like to work for a company that was in the press nearly every day – rarely in a good way? How’d you like to work for a company whose future is uncertain, and anyone with a keyboard can comment on it? How’d you like to be thought of a...Read More





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