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Home Purchase Qualifier Refinance Rate Checker

California-based mortgage company serving home buyers and homeowners in need of reliable mortgage financing

Whether you’re a first time buyer, a seasoned homeowner, refinancing an outstanding loan or consolidating debt, there are mortgage solutions for you. Buying a new home in California is a huge milestone but can also be a source of anxiety and frustration. We offer a wide variety of personalized mortgage solutions including FHA, VA, conventional loans and more.

Our founders have been serving California State, City and County Employees for over 20 years. We offer discounts to members of various associations, public employees and California veterans. Getting the right mortgage loan is no easy task but you can trust us to deliver the great rates, low fees and help you get qualified as quickly as possible.

Refinancing your home has never been easier with our abundant tools and resources at your disposal. We’ll help you explore options and guide you in the choice that’s right for you. With our personal & dedicated attention, you’ll be well on your way to a refinance solution that’s best in line with your vision of the future.

Our home loan lender provides all the tools you need with the utmost service and integrity you deserve. We understand that purchasing a home or refinancing a loan is a big commitment. That’s why we make a commitment to you.


Here’s how our home purchase loan process works:

    • Complete our simple mortgage pre-approval letter request
    • Receive options based on your unique criteria and scenario
    • Compare mortgage interest rates and terms
    • Choose the offer that best fits your needs

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Home Purchase Qualifier


To qualify for a mortgage, lenders typically require that you have a debt-to-income ratio of “28/36.”

This means that no more than 28% of your total monthly income (from all sources, before taxes) can go toward housing, and no more than 36% of your monthly income can go toward your total monthly debt (including your mortgage payment).

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