California Mortgage News & Loan Programs

Expert insights and loan programs from 40 years financing California homes. Explore mortgage news, market trends, and find the right financing solution for your property.

California mortgage rates forecast 2025-2026 showing Fed rate cut impact and Treasury purchase timing for Bay Area, Sacramento, Los Angeles, and San Diego homebuyers

Featured

When California Mortgage Rates Will Actually Improve After the Fed Cut

By Rodney Roloff • Market Updates • Dec 11, 2025

The Fed cut rates 0.25%, but when will California mortgage rates actually improve? The $40B Treasury purchase starting December 13 matters more than the cut itself. Here's the timeline and whether you should wait or act now.

Explore California Loan Programs

Expert guidance for every type of California mortgage financing

Purchase Loans

FHA Loans in California | 3.5% Down for First-Time Buyers

FHA loans in California make homeownership possible with just 3.5% down payment and flexible credit requirements. Perfect for first-time buyers who need an affordable path to owning a home in California's competitive market.

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Purchase Loans

VA Loans in California – Buy With 0% Down for Veterans

VA Loans in California provide veterans and active-duty service members with exceptional home financing opportunities that are simply unmatched by other loan programs. Whether you're buying your first home or thinking about refinancing, these benefits are designed specifically for those who've served our country.

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Purchase Loans

Jumbo Loans in California | Luxury Home Financing Specialists

Jumbo Loans in California provide luxury home financing for properties exceeding conforming loan limits. As jumbo loan specialists, we shop multiple lenders to find you competitive rates and terms for high-value homes throughout California's premium markets.

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Commercial Loans

DSCR Loans in California | No Income Verification

DSCR loans in California provide investment property financing based on rental income, not personal income. We offer debt service coverage ratio loans with no income verification, competitive terms, and portfolio lending capabilities.

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Special Income Documentation

Bank Statement Loans California | Self-Employed Mortgages

Bank statement loans in California allow self-employed borrowers to qualify using 12-24 months of bank deposits instead of tax returns, calculating income from actual cash flow for business owners with substantial write-offs.

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Construction & Renovation

Fix & Flip Loans in California | Short-Term Financing

Fix & flip loans in California (also called hard money rehab loans or house flipping loans) provide short-term financing for real estate investors renovating properties for resale. We offer 85% LTV + 100% rehab costs with zero-down options through cross-collateralization.

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Refinance Loans

Cash-Out Refinance in California — Access Your Home Equity

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Purchase Loans

USDA Loans in California – Buy Rural Homes with 0% Down Payment

USDA loans in California offer zero-down rural homeownership through the Section 502 Guaranteed Loan Program. Designed for decent, safe, and sanitary dwellings in eligible areas throughout California's rural communities and small towns.

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