Loans &
calculators
Know your monthly payment and budget, then let us compare lenders to find the right rate and program for you.
Mortgage calculators
Know your monthly payment and budget before you talk to a lender.
Monthly Payment Calculator
For estimation only. Actual payments are determined by your lender. California property tax is typically 1.1%–1.3% depending on local assessments.
Affordability Calculator
Based on a 30-year fixed loan including property tax and insurance. Actual approval depends on credit, income documentation and loan program.
Loan programs we can help with
The right fit for your residency, income type and property use.
Conventional
As little as 3%–5% down for well-qualified owner-occupants.
FHA / VA
Government-backed loans with lower down payment and credit requirements.
Jumbo
For homes above conforming loan limits.
Foreign national / non-QM
For overseas buyers, newcomers and self-employed borrowers.
Investor DSCR
Qualify on rental income instead of personal income.
Refinance
Lower your rate, shorten your term or take cash out.
From consultation
to funding
The loan process can feel complex — we guide you through each step.
06stepsConsultation
We review your income, credit and plans to find the right direction.
Pre-approval
Gather documents and get a pre-approval letter to make strong offers.
Compare & lock
Compare lenders’ rates and terms, then lock your rate.
Application
We help prepare documents and track underwriting.
Appraisal & approval
Appraisal and final approval — clear to close.
Signing & funding
Sign loan documents, fund and close.
Get pre-approved first —
so you can offer the moment you find the one.