California Home Loans

Securing California home loans is easier said than done. Mortgage companies in California are increasingly reluctant to lend to ordinary people at affordable rates with a reasonable deposit attached. Since 2007, Capstone Direct has worked to provide hardworking Californians with the funding they need to make their next move a reality. Whether you need to get on the real estate ladder, renovate your existing home, remortgage, or purchase a second home, we will support you in getting the funding you need. Already, our organization has funded over $2 billion in home loans in California. We offer a selection of California home loans at competitive rates, including fixed-rate, jumbo loans, and even FHA loans. Capstone Direct is not a middleman but a direct lender, getting you the most competitive market rates. Your next stop on your homeownership journey starts here.  

Finance Your Home in California

COVID-19 led to the national mortgage rate dropping to all-time lows. For the first time, millions of Americans could access low borrowing costs. While mortgage rates are now rising across the country, they are still low in California by historical standards. Now has never been a better time to obtain a mortgage in California. Make your homeownership dreams a reality with the help of Capstone Direct. Take advantage of affordable mortgage rates by applying for your mortgage through us, and you could save hundreds of dollars every month. Over the term of your mortgage, you could save thousands. Understanding whether you qualify for a California mortgage is critical to evaluating your ability to purchase your dream home. Credit scores, debt-to-income ratios, and more all play into your eligibility. Turn to the team at Capstone Direct for your mortgage application needs. We work hard to find the financing options to fit your unique situation. We offer a range of California mortgage options, including conventional, VA, FHA, and more. Capstone Direct can also help you navigate the unique California home finance programs that could assist you with your down payment. Some of these programs include:

  • Chenoa
  • Dream Makers Grant
  • First-time homebuyer programs
  • Tax credits

Don’t stress yourself trying to understand the terms of these California mortgage programs. Get help from Capstone Direct and let our team take care of everything for you. From San Diego to San Francisco and everywhere in between, our team has the local knowledge necessary to help you understand what your options are.

Types of California Home Loans

What are the best home loans in California for you? There are so many options for new and existing homebuyers. Understanding which ones make the most sense for you is a challenge. After all, you aren’t a mortgage lender in California, but we are. Here’s an overview of some of the loan options you could be eligible for now.

Fixed-Rate Loans

The fixed-rate loan is the standard type of mortgage available in the Golden State. You are presented with an interest rate, and this interest rate never changes. It gives you certainty and predictability over your payments until the end of your mortgage term. Since mortgage rates are so low in California in 2022, fixed-rate loans are among the most popular mortgages.

Adjustable-Rate Loans

Adjustable-rate loans see your rate changing alongside national mortgage rates. You are gambling that the rates will stay low for the foreseeable future. If you only plan on staying in your existing home for the next few years, adjustable-rate loans from Capstone Direct are the best option for you.

FHA Loans

Federal Housing Administration (FHA) loans are popular California home loans among first-time homebuyers because they are insured by the government and require a 3.5% down payment. The FHA’s requirements are highly forgiving and only require credit scores from 620 and up, depending on your circumstances. FHA loans also allow you to receive your down payment as a gift from friends or family members. You can also make a smaller down payment if you agree to pay an annual mortgage premium on top of your principle. If you struggle to get your down payment together, let Capstone Direct help with your FHA loan.

Jumbo Loans

Are you struggling to find an affordable home in California? These American jumbo home loans in California are unique to the state due to the price of real estate across the state. If you need to borrow a bigger loan that exceeds conventional loan limits, jumbo loans allow you to borrow loans of up to $3 million. Buyers looking to purchase in areas like Los Angeles, Napa, San Benito, San Francisco, or Santa Clara will likely need a jumbo loan to fund their home purchase.

VA Loans

If you are a veteran, you have access to the best value mortgage in the country. The U.S. Department of Veterans Affairs (VA) allows organizations like ours to reward veterans for their sacrifices with more favorable loan terms than are available to anybody else. Eligible applicants, including widows of fallen heroes, can receive a mortgage at a lower rate. Additionally, the value inherent within VA loans comes from the fact you are not required to make any down payment at all, and it will not require you to pay any additional fees to do this.

Reverse Mortgages

Are you a homeowner above the age of 62? Then you could tap into your home’s equity using a reverse mortgage. Borrowers are protected from eviction in all circumstances, and reverse mortgages only become due when they move out or upon the borrower’s death. Suppose you need California home loans to assist with healthcare expenses, home improvements, or emergencies. In that case, you can choose to receive your equity as part of a single lump sum or monthly repayments. With Capstone Direct, we help seniors take advantage of the home equity they have already built up to move or increase their homes’ value.

California Mortgage Refinancing

Refinancing your existing mortgage can make sense. With mortgage rates in California still hovering near all-time lows, there has never been a better time to refinance and benefit from lower interest rates. These California mortgage loans enable you to get rid of your existing mortgage and take on another one. Some of the reasons why refinancing with Capstone Direct include:

  • Lower your monthly repayment
  • Pay off your loan faster
  • Offload your FHA mortgage insurance
  • Convert from an adjustable-rate to a fixed-rate mortgage
  • Tap into your home’s equity
  • Consolidate your debt

Refinancing couldn’t be easier. You need less documentation than traditional California mortgage loans and closing times are much faster. No appraisals are required, plus they’re available for FHA and VA loans.

Why Capstone Direct?

Capstone Direct prides itself on its values. These are part of our R.I.S.E philosophy that enables us to shine and get you the best deal on your mortgage. Here’s why Capstone Direct excels in every aspect:

  • Relationships – We work to build reliable, long-term relationships with our clients, vendors, and business partners. Our philosophy is about good business and ensuring that everyone we work with can rely on us.
  • Integrity – Unlike other lenders, we embrace the values of honesty, transparency, and responsibility. Capstone Direct is the lender you can trust to get you the best deal.
  • Service – If you’re tired of long waiting times on your mortgage applications, choose us. We pride ourselves on fast response times and frictionless communication.
  • Expertise – We are not just mortgage specialists but California mortgage experts. Our agents are intimately acquainted with the current state of the mortgage market throughout the Golden State.

Tackling the complexities of the housing market makes buying a home all the more challenging. We understand how intimidating the buying process can be.  We have helped thousands of borrowers secure California home loans. Spend less time worrying about your mortgage and more time worrying about your dream home. Rely on Capstone Direct for a streamlined, modern approach to obtaining the financing you require to bring your move to life.  

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