California Purchase Home Loans
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California Purchase Mortgage Lender
Your California Dream Home Awaits! At Capital Home Mortgage California, we believe everyone deserves their perfect home. For over two decades, we’ve helped thousands of Californians navigate the path to homeownership with confidence and peace of mind.
A Partner You Can Trust
Your home purchase is more than just a transaction – it’s a milestone in your life story. Our dedicated mortgage advisors work alongside you every step of the way, offering personalized guidance and crystal-clear communication. We specialize in making the complex simple, with competitive rates, transparent fees, and a streamlined process that puts you in control.
Solutions Tailored to Your Needs
Whether you’re a first-time buyer or a seasoned homeowner, we offer a comprehensive suite of mortgage solutions:
- FHA Loans: Perfect for first-time buyers seeking lower down payments.
- VA Loans: Exclusive financing options for our active duty and veteran community.
- USDA Loans: Specialized programs for rural property purchases.
- Native American Home Loans: Dedicated support for Native American homebuyers.
- Conventional Loans: Traditional financing with competitive terms
The Capital Home Mortgage Difference
As a full-service California lender, we handle your entire mortgage journey in-house. Our local underwriting team makes swift, sensible decisions, while our processing experts ensure a smooth path to closing—no middlemen, no unnecessary delays – just straightforward service focused on getting you home.
Ready to Take the First Step?
Let’s discuss your homeownership goals. Our experienced loan officers are ready to help you explore your options and find the perfect financing solution. Call (323) 767-8899 to speak with a mortgage advisor today.
California Purchase Mortgage Rates
California Purchase Home Loans
Benefit from competitive California Purchase Mortgage Rates and a wide array of mortgage programs offered by Capital Home Mortgage California. A brief summary and key points to guide your home buying process are provided below.
- Down Payment: The initial payment made towards the purchase of the home, usually calculated as a percentage of the total purchase price.
- Interest Rates: The rate at which the lender charges you to borrow the money. Rates can be fixed (unchanging throughout the loan term) or adjustable (fluctuating over time).
- Loan Term: The duration of the loan, commonly 15 or 30 years, though other terms may be available.
- Closing Costs: Fees associated with finalizing the mortgage, including loan origination fees, appraisal fees, title insurance, and more.
- Pre-Approval vs. Pre-Qualification: Pre-qualification is an initial assessment of your ability to qualify for a loan based on self-reported information. Pre-approval involves a lender’s detailed review of your financial information and credit score to determine the specific loan amount you’re eligible for.
- Credit Score: A major factor in determining loan eligibility and interest rates. Higher credit scores often lead to lower interest rates.
- Private Mortgage Insurance (PMI): Required for conventional loans with less than a 20% down payment, PMI protects the lender in case the borrower defaults on the loan.
- Home Appraisal: Conducted by a professional to determine the fair market value of the property being purchased.
California Purchase Mortgage Loans
Capital Home Mortgage California is your full-service lending solution. As a comprehensive California Mortgage Lender, we offer a wide array of home loan programs to meet your diverse needs. Whether you’re a first-time homebuyer seeking an FHA Loan, a rural property buyer in need of a USDA Loan, a Native Californian interested in a HUD 184 Native American Loan, a veteran or active-duty service member requiring a VA Loan, a dream home seeker needing a Jumbo Loan for a larger property, a seasoned buyer exploring a Conventional Loan, or a borrower seeking alternative financing with a Non-QM Loan, we have the expertise and options to guide you.
Call us today at (323) 767-8899 to speak with a knowledgeable California Loan Officer.
California FHA Purchase Home Loans
A California FHA Purchase Home Mortgage is a mortgage insured by the Federal Housing Administration (FHA) and issued by an FHA-approved lender. Designed to make homeownership more accessible, FHA loans are particularly beneficial for low-to-moderate-income borrowers and first-time homebuyers. These loans offer several key advantages, including low down payment requirements, flexible credit score guidelines, and the ability to use gift funds. While primarily intended for those with lower incomes or limited savings, anyone can qualify for an FHA loan. Key eligibility requirements generally include a stable employment history and verifiable income.
California VA Purchase Home Loans
A California VA Home Purchase Loan is a valuable option for qualified veterans, active-duty service members, and select surviving spouses in California. These loans are issued by private lenders but backed by the U.S. Department of Veterans Affairs (VA). This government guarantee enables favorable terms, including the possibility of zero down payments and no requirement for private mortgage insurance (PMI), which can significantly reduce borrowing costs. VA home loans are widely available, offering competitive interest rates and more lenient credit standards than conventional mortgages, making homeownership more accessible for those who have served our country.
California USDA Purchase Home Loans
A California USDA Purchase Home Mortgage is a zero-down loan program offered by the U.S. Department of Agriculture (USDA) to assist eligible low-to-moderate-income homebuyers. USDA loans are categorized into two types: USDA-Guaranteed and USDA-Direct. USDA-Guaranteed loans are provided by private lenders and backed by the USDA, while USDA-Direct loans are offered directly by the USDA itself. To qualify for USDA financing, the property must be located in an approved rural area, and the household income must not exceed 115% of the area’s median household income for Guaranteed Loans.
California Conventional Purchase Home Loans
A California Conventional Purchase Home Mortgage adheres to the guidelines set forth by Fannie Mae and Freddie Mac. These loans can be used for primary residences, secondary homes, and investment properties. Typical eligibility requirements include a minimum credit score of 620, a stable income, and a minimum down payment. Also known as Conforming loans, they have capped loan limits that are adjusted annually on January 1st based on the median selling price within a specific local area.
California Native American Purchase Home Loans
A California Native American Purchase Home Mortgage, also known as a HUD 184 Home Loan, is a government-backed loan program specifically designed for registered California Native Americans. This program offers more lenient credit qualifications, allows for the use of tribal grants, and can even be used to finance both the purchase and renovation of a home.
California Jumbo Purchase Home Loans
A California Jumbo Purchase Mortgage is a loan that exceeds the standard conforming loan limits set by Fannie Mae and Freddie Mac. These loans are commonly used to finance high-value properties, including luxury homes, and have become increasingly popular as property values have risen. Jumbo loans offer flexibility with various options, including 30-year fixed-rate, 15-year fixed-rate, and adjustable-rate mortgages. High loan-to-value ratios are often available, such as 90% financing for up to $3,000,000, eliminating the need for private mortgage insurance (PMI).
California non qualified Purchase Home Loans
A California Non-Qualified Purchase Mortgage, often referred to as a Non-QM loan, is a type of mortgage that does not fully comply with the strict lending guidelines established by government-sponsored enterprises (GSEs) like Fannie Mae and Freddie Mac. These loans are specifically designed for borrowers who may not qualify for traditional mortgages due to factors such as irregular income sources or a high debt-to-income ratio.
California Home Purchase Loans
Looking to Purchase a California Home? We have the loan program for you… Call today to speak with a loan officer to discuss your personal mortgage options.
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- Primary, Secondary, Investment
- FHA, VA, USDA, Native American
- Conventional, Jumbo, Non QM
- Reverse, Renovation, Manufactured
California fixed rate Mortgage Loans
All Fixed Rate Mortgage Loans are designed to have equal payments for the specified term. These loans offer predictability and are deemed to be less risky for borrowers. Fixed Rate Mortgage Loans are available with all mortgage products and are typically offered in 15 year and 30 year terms. However, Fixed Rate Mortgage Loans are also offer in 10 year, 20 year and 25 year terms although less common due to demand.
California Adjustable Rate Mortgage Loans
Adjustable Rate Mortgage Loans known as ARM’s are available with most mortgage products although limited with FHA, VA and USDA. ARM’s are great fit for homebuyers who plan to sell or refinance their home between 1 and 10 years and are looking for the lowest possible payment. ARM’s offers lower rates during times where fixed rates are higher. An adjustable rate mortgage is fixed for a specific time then adjusts on a predetermined time period and a predetermined amount based on a financial index and a fixed margin.
California Purchase Home Loans
California one time close construction Purchase Home loans
A California One-Time Close Construction Home Mortgage streamlines the homebuilding process by combining the construction loan and the permanent mortgage into a single loan application and closing. This eliminates the need for two separate loan applications and closings, saving you both time and money. In contrast, traditional construction loans require a separate mortgage application and closing process after the construction is completed. Furthermore, One-Time Close loans can often be combined with other standard mortgage programs, such as FHA or VA loans, potentially resulting in significantly lower down payment requirements.
California Purchase Renovation Home Loans
Want a new California home? Don’t want to purchase a home from a builder? Prefer the charm of an older home, or the elegance of a mature neighborhood… Or just want the perfect location close to town? Making your dream home come true might just be in updating that older home. Capital Home Mortgage California offer all types of California Renovation Purchase Home Mortgage to make this happen. To put it simply, we will handle and will walk you through the complexities involved in a construction or rehab loan.
A California Manufactured Home Loan is a specialized mortgage designed to finance factory-built or prefabricated homes in California. These loans can cover both the manufactured home and the land it sits on (if you’re purchasing both), and they’re available through various programs including FHA, VA, conventional, and Fannie Mae’s MH Advantage program. While manufactured homes can be more affordable than traditional site-built homes, lenders typically have specific requirements regarding the home’s foundation, build date (usually must be after June 15, 1976), and whether it’s classified as real property rather than personal property. The loan terms and down payment requirements may differ from traditional home loans, often requiring slightly higher down payments and interest rates due to the unique nature of manufactured housing.
Why California is Choosing Capital Home Mortgage
Close On Time
Complete Control
Application to Funding
Competitive Rates & Fees
Direct Lender
Full Line of 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
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