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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.

1% Down Payment Impossible After Freddie"s Guideline Change
7/27/2017 1:22 PM
Posted To: MND NewsWireFreddie Mac has announced a change in requirements for its Home Possible Mortgages, including Home Possible Advantage Mortgages. The changes involve lender gifts and grants , and will be effective for loans with settlement dates on and after November 1 unless otherwise noted. Gifts or grants from t...Read More
J.D. Power Mortgage Servicer Satisfaction Rankings
7/27/2017 1:16 PM
Posted To: MND NewsWireThe mortgage servicing industry, which took a beating in the public mind during the housing crisis, has somewhat rehabilitated its image in recent years. However, a recent survey by J.D. Power indicates the improvements have stalled, and in fact the perception of the servicer brand has declined. Th...Read More
Multifamily Sector Slowing But Still Strong in 2017
7/27/2017 9:39 AM
Posted To: MND NewsWireFreddie Mae is projecting that 2017 will be another good year for multi-family housing. The company, a major presence in financing multifamily housing, released its Multifamily Mid-Year Outlook on Wednesday. The Outlook, authored by Steve Guggenmos, Freddie Mac Multifamily vice president of researc...Read More
State Law Changes Impacting LOs, Notaries, POAs; Fed Funds on Hold
7/27/2017 9:10 AM
Posted To: Pipeline PressHave you been chipped yet? A Wisconsin company is holding a “chip party” to implant chips into its employees so they can buy snacks with a wave of the hand. Is having your complete credit information on it far behind? In technology more specific to mortga...Read More
MBS Day Ahead: Let"s Try This Again: It"s a Tradeflow-Driven Market
7/27/2017 8:40 AM
Posted To: MBS CommentaryWhat is a tradeflow? We have a primer that attempts to answer that question on MBS Live ( this one ), but even after reading that multiple times, you wouldn't be alone in continuing to view the topic as esoteric, confusing, and perhaps a bit frustrating. One problem is that &qu...Read More
MBS RECAP: Bonds Battle Back After Fed Foregoes Surprises
7/26/2017 5:44 PM
Posted To: MBS CommentaryToday's focus was understandably on the Fed Announcement, and indeed, most of the movement followed it. But interestingly enough, the biggest volume spikes occurred at other times, and that helps explain the day's paradoxical movement. So what's the paradox? Quite simpl...Read More
Mortgage Rates Steady to Slightly Lower After Fed
7/26/2017 4:06 PM
Posted To: Mortgage Rate WatchMortgage rates were steady to slightly lower today, despite fairly substantial movement in underlying bond markets. Bond prices ultimately do more to inform mortgage rates than anything else. Prices moved higher today by an amount that would typically result in effective rates fall...Read More
Differences Between Current and Previous FOMC Statements
7/26/2017 1:02 PM
Posted To: MBS Commentary(Additions underlined, deletions struck through) Information received since the Federal Open Market Committee met in May June indicates that the labor market has continued to strengthen and that economic activity has been rising moderately so far this year. Job gains have moderated...Read More
New Homes Sales Fall Short of Expectations
7/26/2017 9:09 AM
Posted To: MND NewsWireNew home sales pulled out a slight month-over-month gain in June only because estimates of sales in May were revised down. The U.S. Census Bureau and the Department of Housing and Urban Development said today that sales of newly constructed homes were at a seasonally adjusted annual rate of 610,000...Read More
MBS Day Ahead: Why Today Could Matter: A Lesson From an Old Fed Announcement
7/26/2017 8:43 AM
Posted To: MBS CommentaryRemember 2015? The Fed spent the whole year talking about hiking rates for the first after spending years at 0% and ultimately didn't get around to it until December. But perhaps the most interesting phrase in any of the year's Fed announcements was seen in the October Anno...Read More

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