Welcome to Capital Home Mortgage California, where we strive to provide California Home Loans to California homebuyers and homeowners at competitive rates and fees while providing outstanding customer service.  First, we’d like to thank you for the opportunity to earn your business.  We understand that purchasing a home is the most important decision of most people’s life, which is why Capital Home Mortgage California offers dedicated points of contact throughout the mortgage process.  This assures a stress-free and pleasant experience, with an on-time close.  After all, buying a home should be exciting rather than stressful.

Capital Home Mortgage California, as a direct California mortgage lender, manages the entire lending process from beginning to end.  Our in-house processing and underwriting enables for quick, reasonable approvals and timely closings.  We have complete control over everything from the application to the funding process.

Capital Home Mortgage California is a full-service California Mortgage Lender that offers a wide range of mortgage products as well as competitive California Mortgage Rates.  Whether you are a first-time purchaser seeking a California FHA Home Loan, looking for a rural property and needing a California USDA Home Loan, a Native Californian wanting to use the HUD 184  California Native American Home Loan, an active or retired veteran in need of a California VA Home Loan, or a seasoned buyer in need of a California Conventional Home Loan, we are here to assist.

Call today (323) 767-8899 to talk to one of our California Loan Officers.

California, is often referred to as the “Golden State.” and became the 31st state of the United States in 1850.  California and has a long Pacific coastline with beautiful beaches, cliffs, and coastal landscapes that make up over half of the US west coast.

California is the most populous state in the U.S making the economy diverse, with major industries including technology, entertainment, agriculture, tourism, and aerospace.  California has the largest economy of any U.S. state and is a global economic powerhouse.  The state is rich in natural resources, including agriculture (leading producer of fruits and vegetables), oil, and renewable energy sources. California experiences a varied climate, ranging from Mediterranean along the coast to arid in the interior and mountainous regions.

California, Real estate market is limited by high demand and short supply. Many areas experience high demand for real estate, driven by factors such as job opportunities, lifestyle, and climate. Limited land availability, especially in metropolitan areas, contributes to a competitive market. California has some of the highest home prices in the United States. Cities like San Francisco, Los Angeles, and San Jose are known for their expensive real estate markets. Urban areas, including major cities, often have higher property values due to the concentration of economic activities and amenities. Suburban areas are popular for those seeking a balance between affordability and proximity to urban centers.  Regions with a strong technology presence, such as Silicon Valley, experience a significant impact on the real estate market. Demand for housing in these areas is often driven by high-income tech professionals. Affordability can be a challenge in many parts of California, leading to discussions and initiatives aimed at addressing housing affordability issues.

California is home to many luxury real estate markets, attracting high-net-worth individuals. Areas like Beverly Hills and Malibu are known for their upscale properties. The rental market is also competitive, with high demand for apartments and rental homes. Rent prices can be relatively high, particularly in urban centers.
Despite challenges, the California real estate market has shown resilience and continues to be a significant driver of the state’s economy.

Thank you again for your interest in Capital Home Mortgage California and we look forward to providing your new mortgage.