California Conventional Mortgage Lender
Experience the Difference with Capital Home Mortgage California! At Capital Home Mortgage California, we’re passionate about helping California homebuyers and homeowners achieve their dreams. We specialize in providing outstanding Conventional Home Loans with:
- Competitive Interest Rates: Secure the best possible rate for your budget;
- Low Fees: Minimize upfront costs and maximize your savings;
- Exceptional Customer Service: Enjoy personalized guidance and support throughout the entire loan process.
Whether you’re a first-time homebuyer exploring city living or a seasoned investor seeking a lucrative opportunity in the countryside, our diverse range of California Conventional Home Mortgages can help you find the perfect financing solution.
We understand that buying a home is a significant milestone. That’s why we prioritize building strong relationships with our clients. At Capital Home Mortgage California, you’ll have dedicated contacts who will guide you through every step of the mortgage journey, ensuring a smooth and stress-free experience.
As a leading California Conventional Mortgage Lender, we manage the entire lending process in-house. Our streamlined approach, featuring in-house processing and underwriting, enables quick, efficient approvals and timely closings. We maintain full oversight of your application from start to finish, providing you with peace of mind throughout the process.
Ready to take the next step?
Call us today at (323) 767-8899 to schedule a free consultation with one of our experienced California Loan Officers. We’ll discuss your individual needs and explore the best mortgage options to help you achieve your homeownership goals.
California Mortgage Rates
What is A California Conventional Loan?
A California conventional mortgage is a type of home loan that is not insured or guaranteed by a government agency, such as the Federal Housing Administration (FHA) or the Department of Veterans Affairs (VA). Instead, conventional mortgages are offered by private lenders, such as banks, credit unions, and mortgage companies, and are typically secured by the property being purchased.
Benefits of California Conventional Mortgages
Conventional mortgages are popular among homebuyers in California who have a strong credit profile and a significant down payment. Some of the benefits of conventional mortgages include:
- Competitive Interest Rates: Conventional mortgages often offer competitive interest rates, which can help you save money on your monthly mortgage payments.
- Flexible Terms: Conventional mortgages are available in a variety of loan programs, including fixed-rate and adjustable-rate loans, which can help you choose the best loan for your needs.
- Higher Loan Limits: Conventional mortgages often have higher loan limits than government-backed loans, which can be beneficial for homebuyers in California’s high-cost housing markets.
- No Mortgage Insurance Requirements: If you put down 20% or more as a down payment, you may not be required to pay private mortgage insurance (PMI), which can save you hundreds or even thousands of dollars per year.
Types of California Conventional Mortgages
Conventional mortgages are available in a variety of loan programs, including:
- Fixed-Rate Mortgages: These loans offer a fixed interest rate for the life of the loan, which can provide stability and predictability in your monthly mortgage payments.
- Adjustable-Rate Mortgages: These loans offer an adjustable interest rate that can change over time, which can be beneficial for homebuyers who expect their income to increase in the future.
- Jumbo Mortgages: These loans offer higher loan limits than conventional mortgages, which can be beneficial for homebuyers in California’s high-cost housing markets.
- Conforming Mortgages: These loans conform to the loan limits set by Fannie Mae and Freddie Mac, which can provide more favorable terms and interest rates.
How to Qualify for a California Conventional Mortgage
To qualify for a California conventional mortgage, you’ll typically need to meet certain requirements, including:
- Good Credit: You’ll typically need a credit score of 620 or higher to qualify for a conventional mortgage.
- Significant Down Payment: You’ll typically need to make a down payment of 5% to 20% of the purchase price to qualify for a conventional mortgage.
- Stable Income: You’ll typically need to have a stable income and a low debt-to-income ratio to qualify for a conventional mortgage.
At Capital Home Mortgage, we’re committed to helping you achieve your dream of homeownership. Contact us today to learn more about California conventional mortgages and to get started on your path to homeownership.
Conventional purchase loans in California represent a popular choice for many homebuyers in the region. Unlike government-backed loans like FHA, USDA, VA, and Native American loans, which are typically restricted to primary residences, California Conventional Mortgages offer greater flexibility. They can be utilized for a wider range of property types, including primary residences, second homes, and investment properties.
- Freddie Mac or Fannie Mae Insured
- Primary, 2nd or Investment Homes
- Single and Multi Family
- Condo’s and Manufactured Homes
- MORTGAGE INSURANCE OPTIONS
- LOWER RATES & FLExIXBLE TERMS
- MAXIMUM LOAN AMOUNT – $766,550
- HIGH BALANCE (VARIES BY COUNTY)
California Conventional Refinance Loans are highly sought after due to their flexibility and potential for significant savings. These loans accommodate a diverse range of properties, including primary residences, investment properties, and second homes, offering borrowers more options than some government-backed programs. While typically requiring stronger credit scores, Conventional Refinance Loans often provide access to lower interest rates and may eliminate the need for private mortgage insurance (PMI) for borrowers with sufficient equity, potentially leading to substantial long-term savings.
- Freddie Mac or Fannie Mae Insured
- Primary, 2nd or Investment Homes
- Single and Multi Family
- Condo’s and Manufactured Homes
- Mortgage Insurance Options
- Lower Rates & Flexible Terms
- Maximum Loan Amount – $766,550
- High Balance (Varies By County)
Dreaming of California living? If you’re not drawn to new construction, perhaps the allure of a vintage property with its unique character or the sophistication of an established neighborhood resonates with you. Maybe you desire the convenience of a prime location close to the city. Renovating an older home can be the key to unlocking your California dream, allowing you to customize a space that perfectly reflects your vision and lifestyle while potentially securing a desirable location that might otherwise be out of reach.
- 95% LTV Primary Residence
- 97% LTV 1st Time Buyer Single Family
- 85% LTV on 1 Unit Investment
- 90% LTV on Second Home
- Minimum Credit Score 620
- Luxury Renovations are Eligible
- Maximum Loan Amount – $766,550
- High Balance (Varies By County)
Apply for a California Conventional Home Loan Now with Capital Home Mortgage
Navigating the current mortgage market can be challenging. At Capital Home Mortgage California, our experienced team can help you secure the best possible California Conventional Home Mortgage, even in a rising interest rate environment. Contact us today for a personalized consultation.
Call us today at (323) 767-8899 to speak with one of our California Conventional Loan Officers.
Why California is Choosing Capital Home Mortgage
Close On Time
Complete Control from Application to Funding
Competitive Rates & Fees
Direct Lender with Complete Mortgage Programs
Exceptional Service
Customer Support Application to Final Payment
California Mortgage Company Reviews
California Mortgage Team
California Mortgage Programs
California Purchase loans
Looking to Purchase a California Home?
Looking to Purchase a Home? We have the loan program for you… Call today to speak with a loan officer to discuss your personal mortgage options.
- Primary, 2nd Home, Investment
- Competitive Rates & Fees, No fee Options
- FHA, VA, USDA, Native American
- Conventional, Jumbo & Renovation
- Manufactured, Construction, Reverse
California Renovation Home Loans
Looking to Rehab a California Home?
Want the Charm of an Older Neighborhood? But want a new place or a fresh look? Why not a renovation loan? Purchase the Perfect Home and make it your own.
- Remodel, Renovate or Repairs
- FHA 203K Streamline
- FHA Full Documentation Rehab
- Fannie Mae Homestyle Reno
- Freddie Mac Home Choice Reno
California FHA Home loans
Great 1st Time California Homebuyers
FHA Home Loans are great for first time home buyers, buyers with less than perfect credit, or buyers needing less out of pocket. Call today to get started.
- Smaller Down Payments
- Flexible Underwriting Guidelines
- Higher Debt to Income Allowed
- Lower Credit Scores – Down to 500
- Down Payment Gifts Allowed
California va Home Loans
100% Financing for California Vets
Proudly Serving Active Duty servicemen and women, as well as, retired and disabled veterans. Call today to speak with a VA loan officer.
- No Mortgage Loan Limits
- Simple Qualifying
- Higher Debt to Income Allowed
- Lower Credit Scores – Down to 500
- Manual Underwriting Allowed
California Conventional Home loans
Flexibility for California Homebuyers
Conventional Home Loans are the best option for flexibility of property types and for mortgage loan terms. Call today to get speak to a loan officer.
- Primary, 2nd Home, Investment
- Single and Multi-Family Properties
- Variable Mortgage Insurance Options
- Low Rates & a Variety of Terms
- Renovation Programs Available
California Jumbo Home Loans
California Non-Confirming Home Loans
Jumbo Home Loans also called Non Conforming Home Loans are great options for buyers needing financing outside of agency limits. Call today.
- Primary & 2nd Homes
- Variety of Mortgage Programs
- Simple Qualifying for Veterans
- Investor Specific Guidelines
- Credit Score Minimums
California USDA Home loans
100% California Rural Home Loans
USDA Loans are a great option for families wanting to live outside of the city. Call today to speak with a loan officer to discuss your personal loan options.
- Primary Residences
- No Down Payment Required
- New Manufactured Homes Allowed
- Closing Costs / Repairs Rolled In
- Geographic and Income Limits Apply
California Native american Loans
California Hud 184 Home Loans
HUD 184 Home Loans are solely for Native American and offer a variety of benefits. Call today to speak with a loan officer to find out more.
- Primary Residence Only
- Manual Underwriting for All Loans
- No Credit Score Requirements
- Tribal Grants Allowed
- Purchase, Refinance, and Renovation
California Manufactured Home loans
Great California Alternative Housing
Manufactured Home Loans offer options to purchase an existing residence or build your dream home on your own land. Call today to speak to a Loan Officer.
- Existing Purchase or Refinance
- New Construction
- One Time Close Land/Home Combo
- Lock at Contract
- FHA, VA, USDA, Native American
California Reverse Mortgage Loans
Your California Home at Work
Reverse Mortgage Loans offer seniors options to use their home’s equity for cash or to eliminate payments. Call today to get speak to a Reverse Loan Officer.
- Primary Residence Only
- Simple Qualifying – Equity Based
- No Credit Score Requirements
- Minimum Age 62
- Purchase, Refinance, and Cash-Out
California Non QM Home loans
Making Carolina Mortgages Possible
Looking for Non Traditional Home Mortgage Loan? Contact a Loan Officer Today to discuss the alternative mortgage options currently available.
- Purchase, Refinance & Cash-out
- Primary, Secondary, Investment
- Full Doc Programs
- Alt Doc Programs
- Corporations OK
California One Time Close Home Loans
Build Your California Dream Home
Want to Build? But unsure of what the future looks like? Remove the risk with a One Time Close Construction Loan. Call today to see how a OTC loan works.
- Primary Residences Only
- One Time Close
- Lock Rate at Closing
- Traditional Final Mortgages
- No Payments During Construction
California Refinance Mortgage loans
California Rate & Term Refinance
Refinancing can be a hard decision and may result in finance charges that may be higher over the life of the loan. Consult with your loan advisor for details.
- Lower Monthly Payment
- Shorten Mortgage Term
- Streamline Options Available
- Appraisal Waivers Allowed
- VA IRRRL’s
California Cashout Mortgage Loans
California Equity Mortgage Loans
Cash-Out Mortgage Loans make use of the equity in your home. Refinancing may result in finance charges that may be higher over the life of the loan. Consult with your loan advisor.
- Debt Consolidation
- Investment Opportunities
- Home Improvement
- Dream Vacation
- Higher Education
CAlifornia Cities
