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Lending in California

Explore conventional and specialized mortgage programs available across California. We provide local financing and real estate insights for every county listed below.

Our California Locations

16501 Ventura Blvd STE 400

Encino, CA 91436

877-976-5669
8880 Rio San Diego Dr

San Diego, CA 92108

877-976-5669
Full Program Directory

Loan Programs Available in California

We offer a comprehensive suite of lending solutions. Whether you're looking for a standard home loan, investment capital, or commercial financing, we have a program tailored for California.

Residential Loans

Residential

Flexible residential financing with competitive terms for homebuyers.

Conventional Mortgages

Flexible residential financing with competitive terms for homebuyers.

Conforming Mortgages

Flexible residential financing with competitive terms for homebuyers.

Conforming Jumbo Mortgages

Flexible residential financing with competitive terms for homebuyers.

Non-Conforming Jumbo Mortgages

Flexible residential financing with competitive terms for homebuyers.

Jumbo Mortgages

Flexible residential financing with competitive terms for homebuyers.

Super Jumbo Mortgages

Flexible residential financing with competitive terms for homebuyers.

High Balance Conventional

Flexible residential financing with competitive terms for homebuyers.

Zero Down Conventional

Flexible residential financing with competitive terms for homebuyers.

Down Payment Assistance (DPA)

Flexible residential financing with competitive terms for homebuyers.

Reverse Mortgage

Flexible residential financing with competitive terms for homebuyers.

Jumbo Reverse Mortgage

Flexible residential financing with competitive terms for homebuyers.

Investment Property Loans

Flexible residential financing with competitive terms for homebuyers.

Second Home Loans

Flexible residential financing with competitive terms for homebuyers.

Manufactured Home Loans

Flexible residential financing with competitive terms for homebuyers.

Modular Home Loans

Flexible residential financing with competitive terms for homebuyers.

Condotel Loans

Flexible residential financing with competitive terms for homebuyers.

Non-Warrantable Condo

Flexible residential financing with competitive terms for homebuyers.

Construction Loan (Residential)

Flexible residential financing with competitive terms for homebuyers.

One-Time Close Construction

Flexible residential financing with competitive terms for homebuyers.

Renovation Loan (Homestyle)

Flexible residential financing with competitive terms for homebuyers.

Physician/Doctor Loan

Flexible residential financing with competitive terms for homebuyers.

Foreclosure/REO Loans

Flexible residential financing with competitive terms for homebuyers.

Short Sale Loans

Flexible residential financing with competitive terms for homebuyers.

Mortgage Refinance

Cash-Out Refinance

Rate & Term Refinance

Streamline Refinance

First-Time Homebuyer Programs

Adjustable-Rate Mortgage (ARM)

5/1 ARM

7/1 ARM

10/1 ARM

Multi-Family Loan

Physician Loan

Condo Loan

Assumable Mortgage

Debt Consolidation Mortgage

Home Improvement Loan

Non-QM Loans

Bank Statement Loans

Alternative documentation solutions for self-employed or unique borrower profiles.

1-Year Income NonQM

Alternative documentation solutions for self-employed or unique borrower profiles.

P&L Only Mortgages

Alternative documentation solutions for self-employed or unique borrower profiles.

1099 Only Mortgages

Alternative documentation solutions for self-employed or unique borrower profiles.

WVOE Only Mortgages

Alternative documentation solutions for self-employed or unique borrower profiles.

Asset Depletion/Utilization

Alternative documentation solutions for self-employed or unique borrower profiles.

No Income Verification

Alternative documentation solutions for self-employed or unique borrower profiles.

Stated Income Loans

Alternative documentation solutions for self-employed or unique borrower profiles.

NonQM Loans

Alternative documentation solutions for self-employed or unique borrower profiles.

DSCR (Investor Cash Flow)

Alternative documentation solutions for self-employed or unique borrower profiles.

Cross-Collateral DSCR

Alternative documentation solutions for self-employed or unique borrower profiles.

Foreign National Loans

Alternative documentation solutions for self-employed or unique borrower profiles.

ITIN Mortgages

Alternative documentation solutions for self-employed or unique borrower profiles.

Full Doc Non-QM

Alternative documentation solutions for self-employed or unique borrower profiles.

NINA (No Income No Assets)

Alternative documentation solutions for self-employed or unique borrower profiles.

No Ratio DSCR

Alternative documentation solutions for self-employed or unique borrower profiles.

Crypto-Backed Mortgage

Alternative documentation solutions for self-employed or unique borrower profiles.

Bad Credit Mortgage

Alternative documentation solutions for self-employed or unique borrower profiles.

Post-Bankruptcy Mortgage

Alternative documentation solutions for self-employed or unique borrower profiles.

Rental Property Loan

Interest-Only Mortgage

Balloon Mortgage

Self-Employed Mortgage

No-Doc Mortgage

40-Year Mortgage

50-Year Mortgage

Portfolio Loan

Hard Money Loans

Hard Money

Fast-closing, asset-based financing for real estate investors and rescue scenarios.

Fix and Flip Mortgages

Fast-closing, asset-based financing for real estate investors and rescue scenarios.

Construction Hard Money

Fast-closing, asset-based financing for real estate investors and rescue scenarios.

Vacant Land Hard Money

Fast-closing, asset-based financing for real estate investors and rescue scenarios.

Raw Land Hard Money

Fast-closing, asset-based financing for real estate investors and rescue scenarios.

Residential Hard Money

Fast-closing, asset-based financing for real estate investors and rescue scenarios.

Bridge Loans

Fast-closing, asset-based financing for real estate investors and rescue scenarios.

Hard Money Cash Out

Fast-closing, asset-based financing for real estate investors and rescue scenarios.

Auction Loans

Fast-closing, asset-based financing for real estate investors and rescue scenarios.

Foreclosure Bailout Loan

Fast-closing, asset-based financing for real estate investors and rescue scenarios.

Land Loan

Lot Loan

Bridge Loan

Commercial Loans

DSCR Investment

Debt Service Coverage Ratio loan for real estate investors. No personal income verification required.

Conventional Commercial

Standard commercial real estate financing for multifamily, retail, office, and industrial properties.

Hard Money / Bridge

Short-term asset-based financing for quick closings, rehabs, or transitional properties.

Commercial

Professional financing for income-producing properties and business expansion.

Commercial Construction

Professional financing for income-producing properties and business expansion.

Commercial Hard Money

Professional financing for income-producing properties and business expansion.

Apartment Financing

Professional financing for income-producing properties and business expansion.

Hotel Loans

Professional financing for income-producing properties and business expansion.

Retail Property Loans

Professional financing for income-producing properties and business expansion.

Office Building Loans

Professional financing for income-producing properties and business expansion.

Industrial Property Financing

Professional financing for income-producing properties and business expansion.

Conduit Loans

Professional financing for income-producing properties and business expansion.

Commercial Bridge Loans

Professional financing for income-producing properties and business expansion.

SBA Mortgages

Professional financing for income-producing properties and business expansion.

SBA 7a

Professional financing for income-producing properties and business expansion.

SBA 504

Professional financing for income-producing properties and business expansion.

SBA Express

Professional financing for income-producing properties and business expansion.

Mixed Use Loans

Professional financing for income-producing properties and business expansion.

Multifamily Loans

Professional financing for income-producing properties and business expansion.

Warehouse Line of Credit

Professional financing for income-producing properties and business expansion.

Equipment Financing

Professional financing for income-producing properties and business expansion.

Invoice Factoring

Professional financing for income-producing properties and business expansion.

Business Line of Credit

Professional financing for income-producing properties and business expansion.

Merchant Cash Advance

Professional financing for income-producing properties and business expansion.

Startup Business Loan

Professional financing for income-producing properties and business expansion.

Franchise Loan

Professional financing for income-producing properties and business expansion.

Medical Practice Loan

Professional financing for income-producing properties and business expansion.

Dental Practice Loan

Professional financing for income-producing properties and business expansion.

Veterinary Practice Loan

Professional financing for income-producing properties and business expansion.

Asset Based Lending

Professional financing for income-producing properties and business expansion.

Mezzanine Financing

Professional financing for income-producing properties and business expansion.

Preferred Equity

Professional financing for income-producing properties and business expansion.

Joint Venture Financing

Professional financing for income-producing properties and business expansion.

Ground Up Construction

Professional financing for income-producing properties and business expansion.

Land Development Loans

Professional financing for income-producing properties and business expansion.

Agricultural/Farm Loan

Professional financing for income-producing properties and business expansion.

Winery/Vineyard Loan

Professional financing for income-producing properties and business expansion.

Church/Religious Facility Loan

Professional financing for income-producing properties and business expansion.

Gas Station/C-Store Loan

Professional financing for income-producing properties and business expansion.

Self-Storage Facility Loan

Professional financing for income-producing properties and business expansion.

Mobile Home Park Loan

Professional financing for income-producing properties and business expansion.

Assisted Living/Senior Care Loan

Professional financing for income-producing properties and business expansion.

Cannabis Real Estate Loan

Professional financing for income-producing properties and business expansion.

Auto Repair Shop Loan

Professional financing for income-producing properties and business expansion.

Restaurant Loan

Professional financing for income-producing properties and business expansion.

Owner Occupied Commercial Real Estate

Professional financing for income-producing properties and business expansion.

Blanket Loan

Government Loans

FHA Mortgages

Stable, government-backed financing options for specific eligibility groups.

FHA Purchase 3.5% Down

Stable, government-backed financing options for specific eligibility groups.

FHA Streamline Mortgages

Stable, government-backed financing options for specific eligibility groups.

FHA 203k Rehab Loans

Stable, government-backed financing options for specific eligibility groups.

FHA DPA (100% Financing)

Stable, government-backed financing options for specific eligibility groups.

FHA High Balance Mortgages

Stable, government-backed financing options for specific eligibility groups.

FHA Reverse Mortgages

Stable, government-backed financing options for specific eligibility groups.

FHA Profit & Loss Only

Stable, government-backed financing options for specific eligibility groups.

FHA VOE Only

Stable, government-backed financing options for specific eligibility groups.

FHA Self-Employed

Stable, government-backed financing options for specific eligibility groups.

VA Mortgages

Stable, government-backed financing options for specific eligibility groups.

VA Purchase 100% Financing

Stable, government-backed financing options for specific eligibility groups.

VA IRRRL (Streamline)

Stable, government-backed financing options for specific eligibility groups.

VA Native American Direct

Stable, government-backed financing options for specific eligibility groups.

USDA Direct Mortgages

Stable, government-backed financing options for specific eligibility groups.

USDA Guaranteed Mortgages

Stable, government-backed financing options for specific eligibility groups.

USDA Home Improvement

Stable, government-backed financing options for specific eligibility groups.

Energy Efficient Mortgage (EEM)

Stable, government-backed financing options for specific eligibility groups.

Fannie Mae HomePath

Stable, government-backed financing options for specific eligibility groups.

Government Mortgages

Stable, government-backed financing options for specific eligibility groups.

VA Jumbo Loan

Second Liens Loans

HELOC (Home Equity Line of Credit)

Equity-based second mortgages to unlock property value without refinancing the first.

Closed-End Second Mortgages

Equity-based second mortgages to unlock property value without refinancing the first.

HELOAN (Fixed Equity Loan)

Equity-based second mortgages to unlock property value without refinancing the first.

Home Equity Loan

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