Shop California Mortgage Options
& Compare Rates for FREE!

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 CalPERS, FHA, VA, conventional loans and more.

Our founders have been serving CalPERS members and public employees of California for over 20 years. We offer discounts to CalPERS members and special home loan programs for public employees and California veterans. Getting the right mortgage loan is no easy task but you can trust us to deliver the best rates 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.

CalStateLender.com 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.

THE CALIFORNIA HOME PURCHASE LOAN PROCESS

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

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).