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.

MBS RECAP: One Of Those Calm Days That Almost Makes You Wonder
2/22/2018 4:25 PM
Posted To: MBS CommentaryMBS gained a quarter of a point today and 10yr yields fell more than 3bps despite stock market gains (albeit from yesterday's weak closing levels) and ample corporate bond market issuance. That might lead to some small amount of optimism or relief were it not for the fact that ...Read More
Mortgage Rates Just Slightly Lower
2/22/2018 3:48 PM
Posted To: Mortgage Rate WatchMortgage rates fell modestly today as underlying bond markets experienced a rare absence of volatility. Rather than view this as some sort of turning point for what has been a fairly relentless march to higher ground, these days are best seen as periodic corrections/consolidations ...Read More
MBS Day Ahead: 2 Charts That Help Explain the Big Picture
2/22/2018 8:47 AM
Posted To: MBS CommentaryThere's nothing significant on the econ calendar today, and bonds are starting out by retreating (in a good way) back into the center of the ongoing uptrend. On days like today, bond analysis has to look to the bigger picture (because there's not much to say about today). I...Read More
Training and Resources; Economy Continues to Move Rates Higher
2/22/2018 8:12 AM
Posted To: Pipeline PressJobs & housing drive the economy, and yesterday we learned that Existing Home Sales fell 3.2% in January, according to NAR . Lawrence Yun, NAR"s Chief Economist said: “The utter lack of sufficient housing supply and its influence on higher home prices muted...Read More
MBS RECAP: Fed Minutes or Same Old Trend. Either Way, Bonds Didn"t Like It
2/21/2018 5:29 PM
Posted To: MBS CommentaryThe Fed released the minutes from its late January meeting today. Markets thought about them for 20 minutes and then tanked. What's up with that?! Looking at rate volatility as a factor of Fed policy can be tricky business. On the one hand, it would be easy to argue that the Fe...Read More
Mortgage Rates Hit New 4-Year Highs
2/21/2018 4:35 PM
Posted To: Mortgage Rate WatchMortgage rates continued higher today following the release of the Minutes from the Federal Reserve"s (aka "The Fed") most recent policy meeting. The Fed was slightly more upbeat than markets expected, saying that most members agreed that a stronger economy increased the likelihood...Read More
Existing Home Sales Decline, Inventory Still a Big Issue
2/21/2018 10:16 AM
Posted To: MND NewsWireSales of existing homes fell again in January, the second consecutive month-over-month decline. Sales of pre-owned single-family homes, townhomes, condos, and cooperative apartments were down 3.2 percent compared to December, and the seasonally adjusted annual sales in December, already estimated a...Read More
MBS Day Ahead: Markets Expecting a Challenging Auction and Hawkish Fed Minutes
2/21/2018 8:39 AM
Posted To: MBS CommentaryToday's key events arrive in the afternoon in the form of a 5yr Treasury auction at 1pm and the release of the FOMC Minutes at 2pm. Not to be confused with the Fed Policy Announcement, the Minutes simply provide a more detailed account of the meeting 3 weeks prior that culminat...Read More
Flagstar"s Expansion; News Regarding Freddie and Fannie
2/21/2018 8:12 AM
Posted To: Pipeline PressWhy couldn’t the sesame seed leave the gambling casino? Because he was on a roll. In an admittedly weak segue, rolls are made in kitchens, and LOs may want to pass this link along to their Realtor clients: here are the top trends this year in kitchens. top tren...Read More
Mortgage Apps Finally Feeling Effects of Higher Rates
2/21/2018 7:24 AM
Posted To: MND NewsWireMortgage application volumes suffered their worst losses of 2018 last week. The Mortgage Bankers Association (MBA) said both purchase mortgages and applications for refinancing were down significantly during the week ended February 16 compared to the prior week. MBA"s Market Composite Index, a meas...Read More

As Seen On