Expert mortgage guidance across the Golden State
California is the largest housing market in the United States — and one of the most complex. High home prices, a diverse lending environment, and state-specific programs create a market where preparation and the right professional relationships make a significant difference. Whether you're buying your first home in Sacramento, refinancing in Los Angeles, or building a rental portfolio in the Inland Empire, our team connects you with mortgage professionals who know California.
#1
Largest US Housing Market
LA, SF, SD, Sacramento
Key Cities
Among highest nationally
Median Home Price
Financing for every type of California borrower
Buying a home in California
California's entry barrier is real — median home prices in most coastal metros far exceed conforming loan limits, pushing many buyers into jumbo loan territory. But programs exist to help: CalHFA offers down payment assistance and first-time buyer loans, and there are income-based programs specific to California counties. We connect buyers with lenders who know these programs and can help you identify the most viable path into homeownership in your specific market.
Learn more about buying your first homeRefinancing in California
California homeowners who purchased several years ago are sitting on significant equity. Refinancing to lower a rate, access cash for home improvements, or remove PMI are all common goals. We connect you with refinance professionals who understand California's escrow-based closing process, county transfer taxes, and PACE loan considerations if any are attached to your property.
Explore refinancing optionsInvesting in California real estate
California's landlord-tenant laws are among the most tenant-protective in the country, and rent control ordinances apply in many cities. At the same time, rental demand is consistently strong across most markets. Investors entering California need lenders and advisors who understand AB 1482, local rent control maps, and how these factors affect investment underwriting. We make those connections.
Learn more about investor lendingCalifornia-specific considerations
Every state has its own rules, costs, and market norms. Here's what matters most when financing a property in California.
Jumbo loans are common
In most California metro areas, the average home price exceeds conventional conforming loan limits, meaning buyers often need jumbo financing. Jumbo loans have different reserve requirements, stricter qualification standards, and fewer program options. Not every lender offers competitive jumbo products — we connect you with those who do.
Prop 13 and property tax caps
California's Proposition 13 caps annual property tax increases at 1% of purchase price plus a small inflation adjustment. This means a homeowner who bought years ago pays far less in taxes than someone buying the same house today. When evaluating a purchase, your taxes will reset to approximately 1–1.25% of your purchase price — budget accordingly.
Escrow-based closings
California uses escrow companies (not attorneys) to handle closings. The escrow process typically takes 30–45 days for purchases. Understanding how California escrow works — and what you need to submit and when — helps keep your transaction on schedule.
California resources
Also serving nearby states
Ready to get started in California?
Tell us about your situation and we'll connect you with a licensed mortgage professional who knows the California market.