 Close Your Own Loan »
Empowers homeowners to obtain a new home loan without paying a loan officer's commission.
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 First National Direct Funding »
Provides residential mortgage financing.
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 PDJ's Private Lenders Network »
Hard Money Loans are provided for rehabs, flips, and new construction. Trust deed investment opportunities are also offered.
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 Great American Funding Corp »
Mortgage broker with various home financing programs.
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 Portfolio Services Companies »
Provides commercial real estate financing, infrastructure bonds, whole loan trading, securitization, and advisory services.
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 Allied Commercial Funding Corp »
Providing funding for commercial real estate loans in California.
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 Delta Lending Group »
Provides residential mortgage financing and mortgage calculation tools.
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 Ultimate Funding Corp »
Provides residential mortgage financing for Irvine and the state of California.
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 Apex Associates »
Provides both residential and commercial loans for the state of California.
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 Residential First Mortgage »
Mortgage company offers residential mortgages to the California market.
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 Tierra Capital Corp. »
Real estate services corporation offers mortgage financing throughout California.
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 Delta Home Loans »
Provides residential mortgage financing.
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 Infoloan »
Offers various types of mortgage financing. Site includes buyer tips and information and several mortgage calculation tools.
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 Reverse Mortgage Store »
Provides reverse mortgages for seniors in California.
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 West Coast Mortgage »
Mortgage company offers real estate financing to southern California.
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 Loanspeed »
Has extensive experience in California refinances, mortgage rates, home loans, debt consolidation, and daily news explaining market conditions.
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 Dominion Corporation »
Offers healthcare and commercial real estate mortgage hard money loans, bridge loans, construction and development loan programs, as well as investment banking programs.
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 Resource Mortgage Company »
Provides commercial mortgages and apartment loans on all types of income-producing properties.
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 Cornerstone Mortgage Company »
Offers various types of loans. Combines closing, lender and third-party costs into a guaranteed fee based on a fixed good faith estimate.
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 Independence Mortgage Corporation »
Offers a variety of mortgage loans.
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 White Oak Financial »
Provides residential mortgage financing in Newport Beach and all of California.
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 Lighthouse Home Loans »
Provides residential mortgage and financial services within California.
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 Downey Savings »
Savings bank that offers mortgage loans, broker information, forclosures, mortgage calculation tools.
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 Western Capital Mortgage »
A full-service discount lender located in San Jose, California servicing many different states.
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 Nationwide Construction Loans, Inc »
Provides mortgages, and loans for land, remodeling and owner builder.
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 Southwestern Mortgage Company »
Mortgage Broker and direct lender helping clients obtain financing throughout California.
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 Quality Funding »
Provides a variety of residential and investment property loan packages. Features programs, rates, team members, FAQs, calculators. Based in El Dorado Hills.
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 Payless Home Loans »
Provides residential mortgage financing for Valley Center and all of California.
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 Carmel Mortgage Corp. »
Offers information on home buying, refinancing, home equity, and credit repair.
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 Churchill Mortgage Corporation »
Offers wide variety of financing options including traditional, acquisitions bridge, construction, structured financing, mezzanine, equity capital, institutional and cmbs pooled loans.
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 Thousand Oaks Financial »
Bay Area Loan Specialists Providing mortgage and refinancing services for the Bay Area, California.
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 Luxury Loans »
Provides luxury real estate financing.
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 CMA Real Estate Finance, Inc. »
Online mortgage calculators and loan prequalification form, secure application and daily mortgage and market commentary.
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 Paradise Financial »
Mortgage brokerage provides mortgage financing programs to the California market.
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 Harp Financial »
Online financial directory for mortgages, credit reports, credit cards, real estate, home improvement, kitchen and garden.
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 Centek Capital Group »
Residential loans and refinancing.
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 Nations Mortgage Banc »
Provides residential mortgage financing for California and the United States.
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 Lafayette Financial »
Provides hard money mortgages with private lender mortgages.
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 Certified Capital Corporation »
Private lender that writes equity based loans for land, commercial, income and residential properties.
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 Golden Empire Mortgage »
Provides residential mortgages.
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 Lincoln Funding »
Mortgage company offers a wide range of programs including first and second mortgages for purchasing or refinancing, home improvement loans, debt consolidation loans, and cash in hand loans.
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 Cypress Pointe Financial, Inc. »
Provides mortgage financing and subprime programs.
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 A3A Financial Group »
Offers FHA/VA, conventional and non-conforming loans for purchase and refinance.
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 Excel Funding »
Provides residential mortgage financing.
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 Ibis Capital, LLC »
Provides loan originators with mortgage software and calculator tools.
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 Liberty Financial »
Offers various types of mortgages in California.
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 Pacific Financial »
Provides residential mortgage financing for Calabasas and all of Southern California.
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 Sun Pacific Mortgage »
Offers mortgage financing to borrowers and sellers with high ratios and credit problems.
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 American Financial Services »
Full-service mortgage broker offering mortgage loans, refinancing, home equity loans, and commercial loans.
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 Schools Financial Credit Union »
Mortgage lender offers mortgage programs for residential properties in California.
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 Lending San Diego »
San Diego mortgage lender specializes in mortgage financing and real estate in San Diego.
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 Associated Brokers Mortgage Lending, Inc. »
Specializes in residential mortgage financing in northern San Diego County.
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 Partners Mortgage Co »
Provides residential mortgage financing for Sacramento and all of California.
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 Southland Home Finance »
Mortgage consultation, and mortgage lending.
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 R. B. Financial Services Inc. »
Real estate broker provides construction financing to the California market.
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 Lightning Commercial Funding, Inc »
Specializing in Small Business Loans and Commercial Financing, Very Educational based site with complete knowlegebase, including real estate math.
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 First Time Home Buyer Center »
Provides first time buyer assistance including mortgage loans and real estate representation.
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 First Rate Mortgage »
Provides mortgage loans.
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 Pfeiffer Financial »
Mortgage company offers home financing products to the California market.
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 Cherry Creek Mortgage Co. »
Offers employment opportunities for mortgage loan consultants.
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 Stratis Financial »
Provides residential mortgage financing. Features online loan application and status, financial calculators, and daily market updates.
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 E-Constructionloans.com »
Real estate broker provides construction loans.
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 1st Western Group, Inc. »
Providing agricultural lending including Farmer Mac and Farm Service Agency real estate loans.
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 CenCal Mortgage »
Provides mortgage products and services for Paso Robles, Atascadero and San Luis Obispo.
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 Unique Funding Inc. »
Provides residential and commercial mortgages for California and the nation.
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 Sterling Financial »
Mortgage lender in the Sacramento California area.
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 Oceanside Mortgage »
Provides residential mortgage lending in Huntington Beach and all of California.
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 Realty Provider »
Loan center offering mortgages, and home equity loans.
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 Express Refinance »
Provides residential mortgage refinancing products.
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 Nation Mortgage »
Provides residential mortgage financing for Pasadena and the state of California.
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 NewLoan4YOU.com »
Home loans, refinancing, FHA home loans, VA home loans, and zero down home loans.
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 Oak Valley Mortgage »
California Home Loans and Refinancing
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 Placer Financial Services »
Provides residential mortgage financing for Sacramento and the state of California.
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 Rancho Santa Fe Mortgage Corp. »
Mortgage company offers home financing products to the California market.
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 WestCal Mortgage »
Mortgage company offers home financing programs to the California market.
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 Polonsky.com »
Rich Polonsky provides residential and investment mortgage financing for San Mateo and the state of California.
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 Patagonia Finance »
Broker of California Residential Home Mortgages and Commercial Mortgages in All 50 States
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 Vitek Mortgage »
Offering mortgage financing for the Sacramento area and Northern California.
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 Calco Financial »
Mortgage lender offers full-service real estate financing.
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 Performance Funding Corp. »
Providing home mortgages and refinancing services.
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 Discount Rate Mortgages »
Information on loans for construction, land / lot, spec and building.
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 Greatland Financial Hard Money Lender »
Greatland Financial is your direct mortgage lender specializing in real estate private money loans and hard money loans for homes, commercial and apartment.
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 Phoenix Mortgage Corporation »
Provides residential mortgage financing in the state of California.
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 Powerhouse Mortgage »
Provides residential mortgage financing for Downey and the state of California.
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 Summit Mortgage »
Specializing in hard to get loans.
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 Investor Data Exchange »
Due-diligence agency and information exchange club for the private placement investor.
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 Union West Financial »
Mortgage planning practice specializing in equity repositioning.
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 SBM Mortgage Company »
Provides residential mortgage financing for Los Angeles and all of California.
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 San Diego Mortgage Broker »
Full service mortgage broker that specializes in the San Diego area.
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 Nanette LaDuca Boose, Loan Specialist »
Providing refinance, consolidate credit card debt, and new home loans.
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 Pacific Inland Financial, Inc. »
Provides residential mortgage financing for Soquel and the state of California.
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 Skyline Financial »
A direct discount lender offering a variety of conventional and non-conventional financing programs for purchases and refinances.
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 eHomeLoanExpress »
Provides residential mortgage financing.
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 Residential First Lending »
offering purchase loans, refinance loans, and home equity loans in California.
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 CloseProbate.com »
Helps attorneys, executors, and heirs finance probate estate and trust-owned property.
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 Westside Loans »
Providing mortgage loan services.
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 Sunrise Vista Mortgage »
Mortgage company offers real estate financing to Sacramento, CA.
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 Trace Capital Group, Inc. »
Provides home owners with easy to understand financing solutions.
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 Roger Taylor, General Mortgage Corp »
Provides residential mortgage financing for San Diego and the state of California.
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 Lyndel Funding »
Provides fixed and adjustable rate mortgage loans for income producing apartment and commercial real estate.
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 Watson Capital Mortgage »
Mortgages in Bay Area CA
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 Reverse Mortgages California »
California Reverse Mortgage Lender provides seniors access to many programs from multiple reverse mortgage sources.
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 Great Western Mortgage »
Mortgage banker broker offers various mortgages.
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 Pacific Capital Mortgage »
Structures many types of real estate financing, including commercial and residential loans.
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 Shea Mortgage »
Provides mortgage financing for Arizona, California, Colorado and North Carolina.
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 Trust One Mortgage Corporation »
Mortgage banker offering conventional and non-conventional loan programs.
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 Platinum Funding Inc. »
Financing residential and commercial mortgages nationwide.
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 1 Stop Lending and Realty »
Providing mortgage and financing services for the Santee area.
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 Pyramid Capital Investments Co. »
Provides residential mortgage financing for Newport Beach and all of California.
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 Venture West Funding »
Specialists in home construction loans.
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 Master Lenders Financial »
San Diego home loans and mortgages for residential purchase and refinance transactions.
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 Pacific West Mortgage »
Provides residential mortgages and finance services in California and nationwide.
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 LaSalle Financial Services »
Provides residential mortgage financing. Features loan officers, programs, rates, FAQs, online application. Based in Oakland, CA.
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 American Equity Mortgage »
Provides loan consultation and refinancing for residential, vacation homes and income property in Marin County and the Bay area. Site contains current interest rates, news, online application.
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 Main Stream Financial »
Provides residential mortgages financing for Santa Maria, Lompoc, and Grover Beach, California.
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 Tri-Valley Lending »
Providing mortgage services throughout California.
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 CB Investments »
Provides residential and commercial real estate financing, credit reports, real estate outlook.
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 Orange Coast Funding »
Provides residential mortgage financing in Newport Beach and all of California.
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 SMC Loan »
Providing mortgage services in California.
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 Home Approved Loan »
Offers mortgage refinance loans, cash out mortgages and home equity lines of credit to California borrowers.
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 Reverse Mortgages California »
Contains valuable information on Reverse Mortgages in California including program reviews, a reverse mortgage calculator, a quote form and Frequently Asked Questions.
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 Optionwide Home Loans »
Offers assorted loans and mortgage options to all homebuyers and homeowners with varying credit and financing needs throughout California.
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 California Mortgage Home Loan Brokers »
Loan services including real estate purchase mortgages, mortgage refinancing, sub-prime and home equity loans, second mortgages, hard money lending, construction and commercial loans.
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 Tri West Mortgage, Inc »
Provides residential mortgage financing for Orangevale and the state of California.
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 California Pacific Rim Financial »
Provides wide variety of residential mortgage financing loans.
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 Emortgages.com »
Provides residential mortgage financing products.
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 Mid Valley Financial Services »
Provides residential and commercial mortgage financing for Fresno.
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 S&L Home Loans, Inc »
Provides commercial and residential mortgages in California.
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 Aventine Funding »
Facilitates conventional and private residential and commercial mortgage loans.
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 Dave Meis, Venture West Funding »
Provides apartment or multi-family financing.
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 Powell Financial Services, Inc. »
Provides residential mortgage financing for San Diego and all of California.
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If you know that you will be moving in 3 to 5 years, you might want to consider refinancing to a 3 or 5 year ARM (adjustable rate mortgage). These loans typically have a much lower rate that a traditional fixed rate loan such as a 30 year fixed, but they do have a fixed rate for the first 3 or 5 years of the loan. This will enable you to benefit from the lower rate, but you won't ever have to worry about the risk of a rate adjustment because you will be selling the home before the fixed-rate period ends.
If you want to make sure the interest rate your lender offers you is the rate you get when you close the loan, ask about a mortgage lock-in (also called a rate lock or rate commitment). Any lock-in promise should be in writing. Make sure your lender explains any costs or obligations before you sign.