Licensed Mortgage Lender in California
Licensed Mortgage Lender in California
California Home Loans Done Right. Licensed, Trusted, and Ready to Close.
Direct Rate is a licensed California mortgage lender with 500+ five-star reviews. California is one of the most complex mortgage markets in the country - high prices, competitive jumbo lending, and a large military population that deserves VA loan expertise. Our team has the programs and the experience to get it done.
Why California Buyers and Homeowners Choose Direct Rate
- Licensed California mortgage lender - NMLS ID 2320473
- 500+ five-star reviews from homeowners across the country
- Experienced in California's high-cost markets and jumbo lending
- VA loan experts - California has one of the largest military populations in the US
- All 9 loan programs available - one lender for every situation
- Pre-approvals ready in 24 hours with a complete file
- Clear communication and no surprises from application to closing
Every Loan Program Available in California
One lender. Every program. We find the right fit for you.
Conventional Mortgage
Competitive rates. PMI removable at 20% equity. Best for buyers with solid credit.
FHA Home Loans
3.5% down. Flexible credit. Great for first-time buyers in California.
VA Home Loans
0% down. No PMI. For eligible veterans and active-duty military in California.
USDA Home Loans
0% down in eligible California areas. More communities qualify than most people think.
Fixed Rate Mortgages
One rate. One payment. Locked in for the life of your loan.
Jumbo Loans
California's high home values regularly exceed conforming limits. This is our specialty.
Mortgage Refinancing
Lower your rate, access equity, or remove mortgage insurance.
Reverse Mortgages
For California homeowners 62+ looking to access equity in retirement.
FHA 203k Renovation
Buy a fixer-upper and finance the renovations in one single California loan.
Jumbo Loans Are Common in California - We Know How to Get Them Done
In many California markets - Los Angeles, San Francisco, San Diego, and the Bay Area - home prices regularly exceed the standard conforming loan limit. A significant portion of California purchases require jumbo financing and our team structures these loans every day.
- Conforming loan limit for most California counties: $766,550
- High-cost California counties have limits up to $1,149,825
- Loans above these limits require jumbo underwriting
- Strong credit, income documentation, and reserves required
- Our team structures jumbo loans for California buyers every day
Serving California Veterans and Military Families
California is home to some of the most active military installations in the United States. Bases we serve:
- Camp Pendleton - Oceanside
- Naval Base San Diego - San Diego
- Edwards Air Force Base - Kern County
- Naval Air Station Lemoore - Fresno area
- Travis Air Force Base - Fairfield
- Fort Irwin - San Bernardino County
0% down. No monthly mortgage insurance.
Competitive rates. If you have earned the VA benefit, our team will make sure you get every advantage it offers.
Call Now (210) 909-6999 →Serving All of California
We are licensed to lend throughout the entire state of California.
Don't see your city? We serve all of California. Get in touch and we will help.
See What Your Monthly Payment Could Look Like in California
Use our free mortgage calculator to get a quick estimate - then speak with a licensed advisor to get your real numbers.
Common Questions About Getting a Mortgage in California
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Ready to Qualify in California?
From high-cost coastal markets to inland communities, our local expertise helps you close faster.