Licensed in California
Mortgage Broker in California
I am licensed in California and I shop 175+ lenders on every file. Below is what the California market actually looks like right now, and the loans I write here.
I am licensed in California and I have been in the mortgage business since 2002. Before that I spent seventeen years inside a bank. I know what a bank's rate has baked into it, because I used to quote it.
Here is what the California market looks like right now, and then the loans I write here.
The California market right now
The median ZIP code in California sits at $694,777, up 0.8% over the last twelve months. Across 1543 ZIP codes the cheaper tenth run near $311,277 and the top tenth near $1,568,954.
| Largest metro | Median value | ZIP codes |
|---|---|---|
| Los Angeles-Long Beach-Anaheim | $946,324 | 360 |
| San Francisco-Oakland-Berkeley | $1,218,621 | 166 |
| Riverside-San Bernardino-Ontario | $525,444 | 147 |
| Sacramento-Roseville-Folsom | $556,682 | 116 |
| San Diego-Chula Vista-Carlsbad | $901,942 | 95 |
Priciest towns in the data: Atherton ($8,619,592) · Newport Beach ($5,535,443) · Beverly Hills ($5,272,263) · Montecito ($5,097,834) · Los Altos ($4,976,882).
Figures are Zillow's public home value index as of 2026-08-31. They are market data, not an appraisal of your house and not a quote.
What the loan limit means here
Large parts of California are high-cost counties, where the one-unit conforming limit rises above the $832,750 baseline toward $1,249,125. A loan that would be jumbo in most of the country is often conforming here, which changes both your rate and your down payment.
Loans I write in California
- Bank Statement Loans in California — Qualify on deposits instead of tax returns
- Self-Employed Mortgages in California — Five ways to qualify without clean returns
- DSCR Loans in California — Qualify the rental on its rent, not your income
- HELOC in California — Reach your equity and keep your first mortgage
- No-Appraisal HELOC in California — Online, no appraiser, funds in days
- Cash-Out Refinance in California — One new first mortgage, with cash out
- Fix and Flip Loans in California — Purchase plus rehab, released in draws
- Reverse Mortgages in California — Equity without a required monthly payment, 62+
- VA Loans in California — Nothing down, no mortgage insurance
- Home Purchase Loans in California — Pre-approval a listing agent will trust
- Zero Down and Down Payment Help in California — 100% financing routes that actually exist
- Temporary Rate Buydowns in California — A lower rate for two years, paid by someone else
- Manufactured and Barndominium Loans in California — Permanent foundation, titled as real property
Why a broker and not the bank
A bank has one shelf. If you do not fit it, you hear no, and nobody tells you that the lender down the street would have said yes. I compare 175+ lenders on every file and show you the options side by side with the APR on each.
If the deal you already have is better, I will tell you that too.
Get a free rate quote.
No application. No credit pull. A written comparison across 175+ lenders, with the APR on each.
Check your own ZIP
The market tool on this site covers 26,268 ZIP codes, including every one in California. Put yours in and see values, the twelve-month trend and what it means for your equity.
Zillow Home Value Index, all homes, smoothed and seasonally adjusted. A typical value for the middle of the market, not an appraisal and not a valuation of your home.
Let's look at your numbers
Questions people ask
Are you licensed in California?
Yes. I am licensed in 32 states including California, under NMLS #487617. You can verify that on NMLS Consumer Access, and the full state list is on my licensing page.
What is the median home value in California?
About $694,777 across 1543 ZIP codes, up 0.8% over the last twelve months. That figure comes from Zillow's public home value index, as of 2026-08-31.
Do I have to live in California to use you?
No. The property has to be in a state I am licensed in. Where you live does not matter, and a lot of my California work is for out-of-state investors.
Can you do investment property in California?
Yes. DSCR loans qualify the property on its rent rather than your income, they allow an LLC, and there is no cap on how many you own.
Let’s look at your numbers
Fifteen minutes. Your real numbers. No pressure.
Call or text my cell, or book a time. You’ll get a written comparison with real terms and an APR on every option, and if your current deal already wins, I’ll tell you.