Licensed California Mortgage Broker · NMLS #2030045

Know your next best move on a California mortgage.

Buying, refinancing, self-employed, or investing — answer a few questions and see the loan path, rate range, and monthly number that actually fit you.

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Soft credit check — checking your rate won't affect your score.
Los Angeles County · 30-yr fixed
Today's example scenario
6.875% rate · 7.01% APR
Loan amount$640,000
Down payment25%
Est. monthly P&I$4,204
FICO band740+
Illustrative example only — not an offer or rate lock. Assumes owner-occupied purchase, 740 FICO, 30-yr fixed. Your rate will vary.
4.9 · 1,243 verified reviews
17 yrsLending across California
$2.4BFunded since 2009
38Loan programs compared
NMLS #2030045Licensed CA broker · DFPI
Start where you are

Four paths. One that's yours.

Tell us your situation and we'll route you to the right programs, calculators, and a broker who knows them cold.

FHA · VA · Conventional Buy a Home First place or fifth — see exactly what you qualify for in today's California market. Start buying Lower rate · Cash out Refinance Model the real monthly savings and break-even before you commit a dollar. Check savings Bank statement · 1099 Self-Employed Qualify on your cash flow, not just your tax returns. Built for founders & freelancers. See your options DSCR · No income docs Investor / DSCR Finance rentals on property cash flow. Compare DSCR terms across lenders. Compare DSCR
How it works

From "where do I start" to clarity in three steps.

1

Tell us your situation

A two-minute, no-pressure questionnaire routes you by goal — purchase, refi, self-employed, or investor.

2

See your real options

Compare programs, rate ranges, and monthly numbers side by side — every figure shown with its assumptions.

3

Move with a broker

Work one-on-one with a licensed California broker who runs it to close. No call-center handoffs.

Decision tools

Run the numbers before you talk to anyone.

All calculators

Affordability

Income$185k
Down$120k
Estimate budget →

Refinance savings

Balance$520k
New rate6.50%
See savings →

DSCR ratio

Rent$4,200
PITIA$3,280
Check DSCR →

Payment estimator

Price$850k
Term30 yr
Estimate payment →
Learning center

Understand the decision, not just the rate.

Investor

DSCR loans in California: how investors qualify on rent alone

9 min read · Updated Jun 2026
First-time buyer

FHA vs. conventional in a high-cost county: which one wins?

7 min read · Updated May 2026
Self-employed

Bank-statement loans: qualifying when your tax returns don't tell the story

8 min read · Updated May 2026
Your next step

See your California rate in about 3 minutes.

No credit impact. No obligation. Just a clear read on your best move — and a broker ready when you are.

Get My Rate Talk to a Broker