Home Purchase in California
Purchase financing compared across multiple lenders: conventional, FHA, VA, jumbo and non-QM options to fit your budget and goals.
Is Home Purchase a fit for you?
- First-time and move-up buyers
- Buyers relocating to or within California
- Second-home buyers
- Investors buying 1-4 unit rentals
- Buyers in higher-priced areas who may need jumbo financing
Many Programs
Conventional, FHA, VA, jumbo and non-QM in one place.
Strong Pre-Approvals
A reviewed pre-approval helps your offer stand out.
Competitive Pricing
I compare pricing across lenders for your scenario.
Responsive Communication
I keep you, your agent and escrow updated through closing.
The Home Purchase Process
Consultation
Discuss goals, budget and timeline.
Pre-approval
Documents reviewed and pre-approval issued.
Offer accepted
We lock your rate when it makes sense.
Appraisal & underwriting
Conditions cleared and loan approved.
Close
Sign, fund and move in.
General Guidelines
General information only. Actual requirements vary by lender and scenario.
| Down payment | From 0% (VA) to 20%+; varies by program |
|---|---|
| Credit score | Varies by program and lender |
| Loan limits | Conforming and FHA limits vary by county |
| Mortgage insurance | Varies by program and down payment |
| Debt-to-income | Varies by program and lender |
| Closing timeline | Often 21-45 days; varies |
Today's Rates
Rates shown are for informational purposes, change daily, and are not a commitment to lend. Your rate depends on credit, loan amount, property and other factors.
Mortgage Payment Calculator
Loan Term30 Years
1.25% is a planning assumption, not a property-specific quote.
Enter any financed funding, guarantee or upfront insurance fee.
Estimated Monthly Payment
$2,689
Including taxes & insurance · $2,023 principal & interest
Payment Breakdown
- Principal & Interest
- $2,023
- Property Taxes
- $417
- Homeowners Insurance
- $250
- HOA Dues
- $0
- PMI
- $0
Loan Summary
- Base Loan Amount
- $320,000
- Financed Upfront Fee
- $0
- Total Financed
- $320,000
- Loan-to-Value
- 80.0%
- Total Interest (P&I)
- $408,142
Estimates only, not a loan offer or commitment to lend. Rates, taxes and insurance are editable planning assumptions. Program selection is not an eligibility determination. Mortgage insurance and upfront fees vary by program and lender; enter your quoted amounts. Actual payments may differ. VA loans have no monthly mortgage insurance.
Talk to Bill about your numbersHome Purchase FAQ
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Personalized guidance across California, with a real person.