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Best Mortgage Lenders in California June 2024

As the second-most expensive state to buy a home, it's no wonder so many Californians are curious about the best California home buyer programs to help make their dreams a reality. Read on to discover the best options for California mortgages, whether you're hoping to break into Los Angeles real estate, the San Francisco housing and property market, or get home financing anywhere else in the Golden State.

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Key Facts

  • Mortgage Types: Purchase, Refinance, Home Equity, Adjustable, Fixed
  • Min. Credit Score: 620
  • APR: Undisclosed
  • NMLS#: 3030

Pros

pros iconClosing costs rolled into loan automatically

pros iconSmartphone app

pros iconSyncs with your bank account for easy application process

pros icon98% of financial institutions supported for digital asset verification

Cons

cons iconCan’t have face-to-face interaction with loan officer; online only

cons iconNo alternative credit data considered

Ro©2000 – 2020 Quicken Loans, LLC. All rights reserved. Lending services provided by Quicken Loans, LLC., a subsidiary of Rock Holdings Inc. “Quicken Loans” is a registered service mark of Intuit Inc., used under license. Quicken Loans® (also doing business as Rocket HQ), Rocket Homes Real Estate LLC, and Rocket Loans® are separate operating subsidiaries of Rock Holdings Inc.
Each company is a separate legal entity operated and managed through its own management and governance structure as required by its state of incorporation and applicable legal and regulatory requirements. Loan Example: A $10,000 loan with a 5-year term at 13% Annual Percentage Rate (APR) would be repayable in 60 monthly installments of $228 each. The actual payment amount and year-end balance will vary based on the APR, loan amount, and term selected. In this case the total amount expected to pay by the borrower will be $13,680

  • check mark Fast, guided and simplified online process
  • check mark Lock in your rate for 90 days
  • check mark Unique support for first-time homebuyers
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Key Facts

  • Mortgage Types: Purchase, Refinance, adjustable, fixed, jumbo, FHA, VA, and USD
  • Min. Credit Score: 620
  • APR: Undisclosed
  • NMLS#: 1168

Pros

pros iconEasy online application process

pros iconTransparent information on their website

pros iconCustomized rates and quick pre-qualification

pros iconDiverse range of loan options

pros icon3% minimum down payment on offer

pros iconAccurate quotes given

Cons

cons iconLock fee of $500

The advertised rates also assume the borrower fully documents income, assets and liabilities, escrows for taxes and insurance, and there is no subordinate financing. * While SSN and hard credit pull are not typically required in order to review your available mortgage rates and get pre-qualified, if you choose to continue and submit a loan application, AmeriSave will then request your consent to pull a full credit report in order to proceed.

  • check mark Low rates: quick quote and credit approval
  • check mark Rate lock protection. Lock now before rates go up
  • check mark Over $100 billion funded. 22 years in business
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Key Facts

  • Mortgage Types: Purchase, Refinance, Jumbo, Fixed, Adjustable, FHA, VA, USDA
  • Min. Credit Score: 620
  • APR: Undisclosed
  • NMLS#: 167283

Pros

pros iconRate Lock

pros iconOnline application process

pros iconGood reputation for customer satisfaction

pros iconPre-approval available

Cons

cons iconFees could potentially be high

cons iconNo physical branches available

Rocket Mortgage Disclaimer: ©2000 – 2020 Quicken Loans, LLC. All rights reserved. Lending services provided by Quicken Loans, LLC., a subsidiary of Rock Holdings Inc. “Quicken Loans” is a registered service mark of Intuit Inc., used under license. Quicken Loans® (also doing business as Rocket HQ), Rocket Homes Real Estate LLC, and Rocket Loans® are separate operating subsidiaries of Rock Holdings Inc. Each company is a separate legal entity operated and managed through its own management and governance structure as required by its state of incorporation and applicable legal and regulatory requirements.

  • check mark Connect with lenders for $0
  • check mark Personalized recommendations
  • check mark Get rates from our providers
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Key Facts

  • Mortgage Types: Purchase, Refinance, Home Equity
  • Min. Credit Score: 620
  • APR: Varies
  • NMLS#: 6606

Pros

pros iconManual underwriting available to evaluate credit

pros iconOne of the few non-bank lenders offering equity lending and reverse mortgages

pros iconCan participate in the entire process online

pros iconEnglish and Spanish-speaking loan officers available

Cons

cons iconNot available in Hawaii or New York

cons iconDoesn’t work with down payment assistance programs in all states

New American Funding Disclaimer:© 2020 Broker Solutions, Inc. DBA New American Funding. All Rights Reserved. Corporate Office: 14511 Myford Road, Suite 100, Tustin, CA 92780.†14 business day guarantee only applies to purchase transactions. This guarantee does not apply to Reverse Mortgages, FHA 203k, VA, Bond, MCC, loans that require prior approval from an investor, or brokered loans.
The guarantee does not apply if events occur beyond the control of New American Funding, including but not limited to; appraised value, escrow or title delays, 2nd lien holder approval, short sale approval, or lender conditions that cannot be met by any party.
The 14 business day trigger begins when the borrower’s initial mortgage application (including income and assets documentation) is complete, and the borrower has authorized credit card payment for the appraisal. If New American Funding fails to perform otherwise, a credit of $250 will be applied toward closing costs.

  • check mark Low down payments required of around 3%
  • check mark Dedicated to serving minorities
  • check mark Mortgages tailored to your credit rating
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Key Facts

  • Mortgage types: Purchase
  • Min. credit score: 620
  • APR: Undisclosed
  • NMLS#: 46375

Pros

pros iconStreamlined online application process

pros iconAccess to an experienced home loan officer

pros icon$2,000 credit toward closing costs (under the 14-day closing guarantee)

pros iconCurrent standard rates and terms clearly listed online

pros iconOption to complete the closing process remotely (in certain states)

Cons

cons iconSpecific rates and terms not available without completing an application

cons iconLive chat feature is glitchy

cons iconFunding and approval times not clearly listed

Loans Provided by Warp Speed Mortgage, a dba of CalCon Mutual Mortgage LLC NMLS #46375 (www.nmlsconsumeraccess.org); 3838 Camino del Rio N Suite 305, San Diego, CA 92108. Corporate phone (877) 707-2050. For licensing information, go to: www.nmlsconsumeraccess.org © 2013 – 2021 Warp Speed Mortgage By refinancing your existing loan, your total finance charges may be higher over the life of the loan. (Reference: 10 VAC 5-160-60 (F)) All products are not available in all states. All options are not available on all programs. All programs are subject to borrower and property qualifications. Rates, terms and conditions are subject to change without notice. 14 Day Closing Guarantee

  • check mark A variety of mortgage loans and refinancing options
  • check mark $2,000 credit if the loan doesn’t close in 14 business days
  • check mark Get real-time interest rates & loan programs online without contacting a salesperson
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Key Facts

  • Mortgage types: Purchase, refinance
  • Min. Credit Score: 620
  • APR: 5.4%-7.2%
  • NMLS#: 1681273

Pros

pros iconSecure and private loan application process

pros iconNeat layout and easy navigation

pros icon3-minute application without hard check

Cons

cons iconLimited options for government backed home loans

cons iconCredible doesn’t operate in several large states

cons iconNo face-to-face customer support

cons iconPoor after sale services

Personal Loans Rate and Terms Disclosure: Rates for personal loans provided by lenders on the Credible platform range between 6.99% – 35.99% APR with terms from 12 to 84 months. Rates presented include lender discounts for enrolling in autopay and loyalty programs, where applicable. Actual rates may be different from the rates advertised and/or shown and will be based on the lender’s eligibility criteria, which include factors such as credit score, loan amount, loan term, credit usage and history, and vary based on loan purpose. The lowest rates available typically require excellent credit, and for some lenders, may be reserved for specific loan purposes and/or shorter loan terms. The origination fee charged by the lenders on our platform ranges from 0% to 12%. Each lender has their own qualification criteria with respect to their autopay and loyalty discounts (e.g., some lenders require the borrower to elect autopay prior to loan funding in order to qualify for the autopay discount). All rates are determined by the lender and must be agreed upon between the borrower and the borrower’s chosen lender. For a loan of $10,000 with a three year repayment period, an interest rate of 7.99%, a $350 origination fee and an APR of 11.51%, the borrower will receive $9,650 at the time of loan funding and will make 36 monthly payments of $313.32. Assuming all on-time payments, and full performance of all terms and conditions of the loan contract and any discount programs enrolled in included in the APR/interest rate throughout the life of the loan, the borrower will pay a total of $11,279.43. As of March 3, 2022, none of the lenders on our platform require a down payment nor do they charge any prepayment penalties.

Prequalified rates are based on the information you provide and a soft credit inquiry. Receiving prequalified rates does not guarantee that the Lender will extend you an offer of credit. You are not yet approved for a loan or a specific rate. All credit decisions, including loan approval, if any, are determined by Lenders, in their sole discretion. Lowest rate advertised is not available for all loan sizes, types, or purposes, and assumes a very well qualified borrower with an excellent credit profile.

To check the rates and terms you may prequalify for, Credible conducts a soft credit pull that will not affect your credit score. If you choose a lender and continue with your application, the lender will usually conduct a hard credit pull that may impact your credit score.

Debt consolidation and credit card refinancing involve using a new loan to pay off your existing balance. This does not eliminate debt, but replaces one debt with another. While personal loan rates generally are lower than credit card interest rates, you may pay more in origination fees and interest over the life of the loan depending on other loan terms. Please consult a financial advisor to determine if refinancing or consolidating is right for you.

Bonus disclosure:
“All bonus payments are by gift card.”

*Not all available financial products and offers from all financial institutions have been reviewed by this website

  • check mark Prequalify in just 3 minutes
  • check mark Actual rates from multiple lenders
  • check mark Complete the origination process online
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Key Facts

  • Mortgage Types: Purchase, Refinance, VA, FHA, USDA, Conventional Loans
  • Minimum Credit Score: 620
  • APR: 6.125%-7.002%
  • NMLS#: 1907

Pros

pros iconNo down payment needed

pros iconNo prepayment penalties

pros iconNo PMI

pros iconAvailable in all 50 states

Cons

cons iconVA fee of 2.3% of the purchase price (Veterans receiving compensation for a service-connected disability and select others do not pay the VA Funding Fee.)

cons iconOnly available to veterans, service members, and spouses

cons iconCan only be used for a primary residence

Mortgage Research Center LLC is NOT affiliated with any government agencies, including the VA.
This website has been developed by Mortgage Research Center LLC (MRC) to provide general information about mortgages and related matters. The materials posted in this website are not intended to create, and do not create, any relationship between MRC and the reader or viewer. The process of obtaining a mortgage loan is a serious one and should never be done without a licensed loan originator. This information is not intended to be, and is not valid as, a substitute for a licensed loan originator, licensed loan officer or other licensed lending professional. MRC is not a government agency, nor affiliated with any government agency, including the Department of Veterans Affairs, in any way. Customers with questions regarding our loan officers and their licensing may visit the Nationwide Mortgage Licensing System and Directory for more information.
Individuals featured are actual clients of Mortgage Research Center LLC or its affiliated companies. These individuals are expressing their personal views of Veterans United. The personal views of these individuals reflect their opinions and experiences with Mortgage Research Center LLC or affiliated companies. The individuals shown here may have been compensated by Veterans United or one of its affiliated companies for expressing their opinions relating to their Veterans United experience.

  • check mark A top VA purchase lender for 5+ Years
  • check mark Facilitated more than $16 billion in loans
  • check mark Submit your application to lock in a rate
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Key Facts

  • Mortgage types: Purchase, Refinance, Jumbo, Fixed, Adjustable, FHA, VA
  • Min. Credit Score: 620
  • APR: Undisclosed
  • NMLS#: 174457

Pros

pros iconCan choose face-to-face interaction by accessing over 150 affiliated loan stores in the United States

pros iconExperienced FHA and VA lender

pros iconFannie Mae HomeStyle home improvement and FHA 302K fixer-upper loans available

pros icon100% digital asset, employment, and income verification available

Cons

cons iconUSDA Rural Development loans not available

loanDepot Lifetime Guarantee (“Guarantee”) — Subject to the conditions and contact requirements outlined below, the Guarantee applies to the refinancing of an outstanding loan originated by loanDepot that is secured by the same property upon which that borrower previously received from loanDepot a loan and “loanDepot Lifetime Guarantee” certificate. The Guarantee is non-transferable and does not apply to loans obtained to purchase a new property, new loans that result in the creation of a separate lien on the current property (i.e., a “home equity loan”), renovation loans, bond loan programs and down payment assistance programs. The Guarantee also does not apply to loans applied for through third parties (e.g., Lending Tree) or originated through loanDepot’s Wholesale division. The Guarantee may only be used by submitting an application directly to loanDepot.

  • check mark Get 100% digital verification of income, employment, and assets
  • check mark Receive waived lender fees and reimbursed appraisal fees
  • check mark A wide range of mortgage types with fixed or adjustable interest rates
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Key Facts

  • Mortgage Types: Conforming/Non Conforming, FHA, Portfolio, Home Equity, Refi (cash-out & no cash-out).
  • Min. Credit Score: 620
  • APR: 4.25%-18%
  • NMLS#: 524995

Pros

pros iconFast closing period for a mortgage.

pros iconCashback of up to 3% is available on annual repayments

pros iconThe lender fee of $995 is waived if you hold an Axos Bank checking account

pros iconApplicants with average credit scores are considered for a mortgage

pros iconOffers difficult-to-find mortgages such as super jumbo loans

Cons

cons iconNo physical branches to discuss your mortgage needs

cons iconDiscounts are only available if you have an Axos Bank account

cons iconNo visibility of mortgage rates until after pre-qualification

Axos Bank® offers bank products and services. All deposit accounts through Axos Bank brands are FDIC insured through Axos Bank. All deposit accounts of the same ownership and vesting held at Axos Bank are combined and insured under the same FDIC Certificate 35546. All deposit accounts through Axos Bank brands are not separately insured by the FDIC from other deposit accounts held with the same ownership and vesting at Axos Bank. For more information, read our FDIC Notice. Axos Bank NMLS# 524995. For example, if you get approved for a $15,000 loan at 6.99% APR for a term of 72 months, you’ll pay just $256 per month for a total amount of $18,432.

 

  • check mark Get 3% cash-back on repayment annually
  • check mark A fast closing period for a mortgage
  • check mark Borrowers can avoid paying a $995 fee
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Key Facts

  • Mortgage Types: Purchase ,Refinance
  • Min. Credit Score: 620
  • APR: 6.087%-6.365%
  • NMLS#: 330511

Pros

pros iconBetter Mortgage offers a Low Price Promise

pros iconNo origination fees, lender fees, or commission fees

pros icon100% online-based and available 24/7

pros iconOnline application process

Cons

cons iconBetter Mortgage only works with customers who have credit scores above 620

cons iconIf applying for a loan with a co-borrower, underwriters use the lowest credit score for qualification purposes

cons iconNo government-backed loans such as USDA or VA mortgages

cons iconNot a great choice for investors

© 2020 Better Holdco, Inc. and/or its affiliates. All rights reserved.Home lending products offered by Better Mortgage Corporation. Better Mortgage Corporation is a direct lender. NMLS #330511. 120 Broadway, 5th Floor, New York, NY 10271. Loans made or arranged pursuant to a California Finance Lenders Law License. Not available in all states. Equal Housing Lender. NMLS Consumer Access. Better Real Estate, LLC is a Virginia Licensed Real Estate Firm with its principal office located at 312-F East Market St., Leesburg, VA 20176. License #0266029484. Equal Housing Opportunity. Better Settlement Services, LLC. 175 Greenwich Street, FL 59, New York, NY 10007. Homeowners insurance policies are offered through Better Cover, LLC, a Pennsylvania Resident Producer Agency. License #881593. 175 Greenwich Street, FL 59, New York, NY 10007. Better Cover is Registered in the U.S. Patent and Trademark Office. Better Mortgage Corporation, Better Real Estate, LLC, Better Settlement Services, LLC and Better Cover, LLC are separate operating subsidiaries of Better Holdco, Inc. Each company is a separate legal entity operated and managed through its own management and governance structure as required by its state of incorporation, and applicable and legal and regulatory requirements. Products not available in all states. The Better Home Logo is Registered in the U.S. Patent and Trademark Office

*Terms apply

  • check mark One Day Mortgage. Lock a rate, get a Commitment Letter in 24 hrs. Terms apply.
  • check mark Apply 100% online, on your schedule
  • check mark Close 17 days faster than industry average
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Key Facts

  • Mortgage Types: Purchase, Refinance
  • Min. Credit Score: 580
  • APR: Undisclosed
  • NMLS#: 1016597

Pros

pros iconHome buyers and sellers can save money by using the platform

pros iconCuts down on agent commission fees and offers a refund at closing

pros iconOffers an interest rate matching guarantee or $500 in cash (not available in Nevada)

pros iconCan use a Homie Loan mortgage on any real estate platform, including Zillow and Trulia

Cons

cons iconNo cash refund for buying a home listed on Homie’s platform; cash refund can only be used for closing expenses

cons iconNo financing for 5%-down Jumbo loans or adjustable-rate mortgages (ARMs)

cons iconLimited information available regarding mortgage rates, terms, and fees

Homie Loans, LLC (“Homie Loans”), Investors Title Insurance Agency, Inc. d/b/a Homie Title (“Homie Title”), Daniel Eskelson Insurance Agency Inc. d/b/a Homie Insurance (“Homie Insurance”), and any of Homie Technology Inc.’s affiliated Real Estate Brokerages (Homie We’ve Got Your Back, LLC [Utah] and Homie LLC [Arizona], collectively “Homie”) have a business relationship in that all are owned by Homie Technology Inc., a Delaware Corporation, and that each may refer to you the services of another.

Because of this relationship, the referral of a customer, including you, by any of these affiliated companies to another may provide Homie Technology Inc., Homie, Homie Loans, Homie Title, Homie Insurance, their affiliates, and their employees a financial or another benefit.

You are NOT required to use either Homie Loans, Homie Title, Homie Insurance, or Homie. You may use them individually or together. By using Homie, Homie Loans, Homie Title, or Homie Insurance, you agree that your information may be shared between the two companies regarding the home-buying or home-selling transaction.

  • check mark Discount brokerage offering competitive mortgage loans
  • check mark Simple, online application process with pre-qualification option
  • check mark Buyer’s rebate up to 50% of the agent’s commission fee
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Key Facts

  • Mortgage Types: Purchase, Refinance,
  • Min. Credit Score: 620
  • APR: 6.21%-8.51%
  • NMLS#: 1374724

Pros

pros iconWorks with respectable lenders

pros iconSimply online application process

pros iconBorrowers get access to a dedicated loan officer

pros iconQuick closing times usually

Cons

cons iconNo VA Loans

THE WEB PAGE CONTENT ON OR AVAILABLE THROUGH THIS WEBSITE ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. WE MAKE NO REPRESENTATION OR WARRANTY REGARDING THE WEB PAGE CONTENT OR ITS USE THEREOF. THE WEB PAGE CONTENT ON OR AVAILABLE THROUGH THIS WEBSITE COULD INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS AND COULD BECOME INACCURATE BECAUSE OF DEVELOPMENTS OCCURRING AFTER THEIR RESPECTIVE DATES OF PREPARATION OR PUBLICATION. WE HAVE NO OBLIGATION TO MAINTAIN THE CURRENCY OR ACCURACY OF ANY WEB PAGE CONTENT ON OR AVAILABLE THROUGH THIS WEBSITE.

YOU ACKNOWLEDGE AND AGREE THAT WE ARE NOT, AND SHALL NOT BE, RESPONSIBLE FOR THE RESULTS OF ANY DEFECTS THAT MAY EXIST IN THIS WEBSITE OR ITS OPERATION. AS TO THE OPERATION OF THIS WEBSITE, WE EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. WE MAKE NO REPRESENTATION OR WARRANTY THAT (A) THE OPERATION OF THIS WEBSITE WILL MEET YOUR OR ANY OTHER USER’S REQUIREMENTS; (B) ACCESS TO THE WEBSITE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR FREE OF ERRORS, VIRUSES OR OTHER HARMFUL COMPONENTS; OR (C) ANY DEFECTS IN THIS WEBSITE WILL BE CORRECTED. YOU AGREE THAT YOU, AND NOT US, WILL BEAR THE ENTIRE COST OF ALL SERVICING, REPAIR, CORRECTION OR RESTORATION THAT MAY BE NECESSARY FOR YOUR DATA, SOFTWARE PROGRAMS OR COMPUTER EQUIPMENT BECAUSE OF ANY VIRUSES, ERRORS OR OTHER PROBLEMS YOU MAY HAVE AS A RESULT OF USING OR VISITING THIS WEBSITE.

  • check mark Access to a dedicated loan officer
  • check mark Deals with reputable lenders
  • check mark Offers fast time to funding

Current Mortgage Rates in California

Mortgage rates in California currently sit above recent historical lows. California mortgage rates are in the range of:

Fixed-rate mortgages:

  • 30-year: Rates currently fall between 6.40% and 7.01%, with an average around 6.65%.
  • 15-year: Rates are generally lower, averaging around 5.85%.
  • 5-year ARM: This adjustable-rate option comes with higher risks but potentially lower initial rates, averaging around 7.14%.
  • FHA loans: Backed by the Federal Housing Administration, these can offer lower credit score requirements and interest rates. They currently average around 6.25% for 30-year terms.
  • VA loans: VA loans typically offer favorable rates and terms for veterans and active-duty service members. They currently average around 6.00% for 30-year terms.
  • Jumbo loans: Rates tend to be slightly higher for loan amounts exceeding conforming loan limits. They currently average around 6.40% for 30-year terms.

3 Best California Home Buyer Programs

CalHFA FHA Loan Program

The CalHFA FHA Loan Program offers a 30-year fixed-rate first mortgage insured by the FHA.

Who Is It Available To? To qualify for the CalHFA program, applicants must occupy the property as their primary residence, can’t have non-occupant co-borrowers, and must complete homebuyer education counseling while meeting the specified income limits.

Income Limits: Varies by county. Find your county here to learn more.

Is It Only for First-Time Homebuyers? Yes.

Loan Options? Yes. 

Is There Down Payment and Closing Cost Assistance? Yes. 

Dream For All Shared Appreciation Loan

The Dream For All Shared Appreciation Loan is designed to provide down payment assistance to first-time homebuyers. It's meant to be combined with the Dream For All Conventional primary mortgage. Then, upon the eventual sale or transfer of the property, the homebuyer reimburses the initial down payment loan along with a portion of the home's increased value.

Who Is It Available To: People with a Dream For All Conventional Mortgage.

Income Limits: The borrower income must be less than or equal to 80% AMI using the HomeReady Lookup Tool

Is It Only for First-Time Homebuyers? Yes.

Loan Options? Yes. 

Is There a Down Payment and Closing Cost Assistance? Yes.

CalHFA VA

CalHFA VA extends its lending support to eligible military personnel, veterans, and their qualified spouses, offering a 30-year, stable-rate VA mortgage with the flexibility to borrow up to the 2023 high-cost conforming loan limit of $1,089,300—and there's no down payment requirement. 

Who Is It Available To? Eligible military personnel, veterans, and their qualified spouse. 

Income Limits: Varies by county. Find your county here to learn more.

Is It Only for First-Time Homebuyers? Yes. 

Loan Options? Yes. 

Is There Down Payment and Closing Cost Assistance? Yes.

In Closing: The Best California Home Buyer Programs

These California home buyer programs are top choices for first-time buyers, veterans and military families, and most other people hoping to get their first mortgage. Most programs offer competitive rates and various loan options to meet the needs of different borrowers. 

Browse the Lendstart blog for more mortgage resources, including the best options for first-time homebuyers and a comparison of the best 10-year mortgage rates.