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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: Overblown Headlines Thwart Bond Bounce
9/29/2016 4:09 PM
Posted To: MBS CommentaryBond markets were weaker overnight and continued pushing toward the first of two important resistance levels (think "ceilings") during the domestic session. Before any of the day's drama set in, however, we managed to bounce before breaking that ceiling thanks to trad...Read More
Mortgage Rates Edge Higher, But Remain in Low Range
9/29/2016 3:29 PM
Posted To: Mortgage Rate WatchMortgage Rates were slightly higher again today, marking the second day spent pulling back from a nice move lower that followed last week"s Fed announcement. Although mortgage rates aren"t directly influenced by the Fed Funds Rate itself, quick changes in the expected course of cen...Read More
Wages Lag Home Prices; Affordability Suffers
9/29/2016 1:06 PM
Posted To: MND NewsWireThe lack of housing affordability is rising among the 414 U.S. counties tracked by ATTOM Data Solutions. ATTOM, the new parent company of RealtyTrac, said on Thursday that 24 percent of those counties were less affordable than their historic averages in the third quarter of 2016, up from 22 percent...Read More
Distressed Sales Increased in Only 8 States
9/29/2016 1:01 PM
Posted To: MND NewsWireSales of distressed homes, both lender-owned properties (REO) and short-sales continue to decline but are still at levels nearly four times what is considered "normal." CoreLogic reported on Thursday that distressed sales accounted for 7.8 percent of all home sales in June with sales of REO making ...Read More
Housing Inventory Issues Stifle Pending Sales
9/29/2016 9:51 AM
Posted To: MND NewsWirePending home sales were unable to sustain the slight upward tick experienced in July and resumed their downward trend in August, declining by 2.4 percent. It was the third time in four months that pending sales have failed to exceed the previous month"s numbers. The National Association of Realtors...Read More
Even if Refinancing Looks Like a No-Brainer....
9/29/2016 9:22 AM
Posted To: MND NewsWireWhy are so many people holding on to mortgages with high interest rates? Sentiment? Inertia? Apparently not. In the current issue of CoreLogic"s MarketPulse , Principal Economist Molly Boesel drills down into the universe of borrowers who are standing fast with their old loans, even though it looks...Read More
Freddie and Fannie in The News: Reform, Risk Sharing, and MI; Investor Updates
9/29/2016 8:54 AM
Posted To: Pipeline PressHow is it that we only have two days left in September, and that it is National Coffee Day already? Maybe you’ll receive a free or discounted cup at Krispy Kreme, Dunkin’ Donuts, McDonalds, or Peets. “Free” is definitely a great price, especia...Read More
MBS Day Ahead: A Second Day of Weakness Would Be a Bad Sign
9/29/2016 8:34 AM
Posted To: MBS CommentaryYesterday's moderate weakness in bond markets comes at at inopportune time for those hoping to see another push back to all-time lows (in either Treasuries or mortgage rates). Considering mortgage rates never quite made it to true all-time lows on this last go-round--not to men...Read More
MBS RECAP: Lots of Headlines, But Few Mattered
9/28/2016 4:33 PM
Posted To: MBS CommentaryIt was an interesting day for bond markets, mainly because there was such an immense amount of news that SEEMED like it should matter. The deluge of headlines failed to produce any meaningful reaction. And we're talking about top-shelf market movers like Yellen's congressio...Read More
Mortgage Rates Finally Break Recent Winning Streak
9/28/2016 3:57 PM
Posted To: Mortgage Rate WatchMortgage Rates finally took a break from their recent winning streak today. While there are a few lenders whose rates are just a hair lower than yesterday"s, most are slightly higher. Moreover, bond market weakness in the afternoon prompted several other lenders to issue mid-day re...Read More

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