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California Mortgage Lenders & Brokers

Mortgage Lenders & Brokers in California

California Mortgage Lenders & Brokers – Because of its coveted coastal location off the Pacific Ocean, California has exceptionally consistent warm weather throughout the year across the majority of the state. As a result, purchasing a home in California is a dream many Americans hold. What makes this dream feasible are the many qualified mortgage lenders in this state. This article will introduce you to the most reputable mortgage lenders and brokers in California as you prepare to buy your dream home and apply for a house loan.

Getting To Know The Golden State

California aka The Golden State is undoubtedly one of the most well-known states in the United States. On September 9, 1850, it became the 31st state to join the union, and by the early 1960s, it had amassed the largest population among all the states. With its distinct history and culture, California is unique in the best possible way. Boasting the fifth-largest economy in the world, California has all it takes to be a sovereign state. 

The state is also home to some of the most iconic and widely known tourist destinations and recognizable sites in the world. A handful of these most amazing landmarks include the fabled Golden Gate Bridge, Disneyland, Hollywood, Universal Studios, Malibu, Yosemite, Muir Woods, Alcatraz Island, Lake Tahoe. All of these and more make California one of the most visited places in all of North America.

 In addition, California is also known for Coachella (one of the biggest music festivals in the U.S). Silicon Valley is considered the tech hub of the nation and attracts some of the best brains in the world to come to work and live here. Stanford and the University of California at Berkeley at two of the best known education centers around the globe. The best wines in the world are grown and made in Napa Valley, also considered the wine connoisseur’s paradise. And, then you have the best of surfing (amazing beaches line the entire California coast), and skiing. Squaw Valley offers the best slopes around the world for skiing and was the location for the 1960 Winter Olympics. 

Affordable Places To Live In California

California is considered the most idyllic and utopian state to live in by millions of Americans. Check out a few of the places that you may not be aware of:

1. Eureka

Even though the gold rush is long over, travelers still make their way to Eureka. The city is only a few hours south of the Oregon border, and natural beauty abounds in this area because of its fantastic location near many national forests and the seaside. You can locate “Old Town” in the city’s heart, a historic district with hundreds of Victorian structures.

2. Oxnard

Want to experience residing by SoCal beaches without the accompanying costs? Try Oxnard, it has a 20-mile-long shoreline and is situated right on the Pacific. With opportunities for activities like kayaking, surfing, and whale watching, the water is undoubtedly the main draw.

3. Redlands

Redlands is the center of the “IE,” or Inland Empire, which is less than two hours from Los Angeles. The highlights of the city include its outdoor amphitheater, fantastic brewery, and quick access to mountains and parks. Many of the work prospects in the area are in education because of the nearby University of Redlands.

4. Chico

The city is known for its wonderful weather, charming downtown, and abundant hiking. Additionally, you are not too far from the ocean—certainly close enough for a family vacation or two. A significant industry in the city, in addition to education, is healthcare.

5. Temecula We highly recommend you head to this city between Los Angeles and San Diego. It is a haven for leisure enthusiasts with the biggest casino in California, more than 40 wineries, and numerous golf courses. A historic downtown district and two weekly farmers’ markets are also available to locals.

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The Real Estate Market In California

  • Number of Single Family Homes Sold: According to data gathered by CAR from more than 90 local realtor organizations and MLSs across the state, the number of single-family homes sold in California reached a seasonally adjusted annualized rate of 344,970 in June. 
  • Median Home Price: The statewide median home value in June was $863,390, which was up 5.4% from June 2021 
  • Housing Demand: According to the California Association Of Realtors (CAR), the housing market in California has seen housing demand levels moderate overall after 2 years of steep increases. 

Top Mortgage Lenders In California

There are so many options in the mortgage market when it comes to accessing loans, one of the largest investments in the lives of most Americans. Working with a knowledgeable mortgage broker or lender can save you a lot of time and money throughout the loan as well as effort during the application process. Below we have listed some of the best home loan company options in the state of California.

1. Reliance Financial (Best Mortgage Lenders in California)

Reliance Financial is an industry-leading mortgage lenders in California, with an excellent reputation built through years of service. We provide prompt and responsive service, options and alternatives for any homebuyer’s needs and wants, and personalized help in order to fully meet your needs.  We put a lot of emphasis on transparency and convenience for our homebuyers and homeowners. You can apply for your home loan within minutes at our website.  

Reliance Financial has the most affordable rates and extensive expertise in FHA, VA, Conventional, USDA, Jumbo, Home Equity Line of Credit, and Reverse mortgage loan programs, making it the ideal choice for acquiring the financing you need. Additionally, we are accessible to you before, during, and after the loan’s closure. You will receive full assistance from us at every step of the home financing journey. 

We cherish our clients’ relationships with us. Our enthusiasm and dedication to serving you will always remain the same.

Email – sales@reliancefinancial.com

02:48 17 Jun 23
Scott Wise and his team at Reliance Financial, Dublin, CA, achieved a smooth, 9-day close for the purchase of a SFR on 6/13/2023. His professionalism and customer care are exemplary and his encyclopedic knowledge of the lending process [a DSCR loan, in this case] was key to this transaction's success. Mr. Wise is a "doer" and represents the best in the lending and real estate industries. INCLUDE him in YOUR team. RECOMMENDED! - SW
Caroline YehCaroline Yeh
03:47 19 Apr 23
Last year I purchased a home and Reliance Financial Mortgage was instrumental in helping me through the process. Lucky Sandhu, and the team at Reliance Financial Mortgage made it easy and stress-free. They were always available to answer my questions and they were patient and understanding as I navigated the process.I was particularly impressed with the level of communication from the team at Reliance Financial Mortgage. They kept me updated on my loan status every step of the way and they were always available to answer my questions.I would highly recommend Reliance Financial Mortgage to anyone who is looking to buy a home. They are a great team of professionals who will make the home buying process as easy and stress-free as possible.I would not hesitate to use Reliance Financial Mortgage again if I ever need to buy a home in the future. Thanks Lucky and team for all your support and help!
Parth PatelParth Patel
23:56 03 Apr 23
When it comes to our mortgage lending needs there is no other place we will go to other than Reliance Financial. As first-time homebuyers, we needed a lot of guidance and an honest approach to addressing our questions and needs. Lucky and his team did an excellent job on making sure we felt comfortable and relaxed from start-to-finish. I recommend Lucky and his team to all homebuyers, especially first-time homebuyers! This is a team you can trust and count-upon.
Ninderjit SandhuNinderjit Sandhu
00:54 08 Dec 22
As a real estate agent, I have trusted Lucky and his team for several transactions including my own home purchase and refinance. The entire Reliance Financial team works like a family to help guide my customers with the best loan options for them including helping answer their questions on qualification. Several of my customers are self-employed and they require additional hand holding. Lucky and his team are always there to guide them properly and patiently and ensure the best outcomes for my homebuyers. When it comes to mortgage lending, I deeply trust Lucky and Team Reliance Financial to take of my customers.
Phillip ApleyPhillip Apley
23:52 19 Oct 22
Well let me start by saying that buying a home was one of the most stressful things I've ever done lol. However Scott Wise from Reliance Financial did as much as humanly possible to alleviate it! We were approved by 2 other lenders first, and both of these lenders didn't do their due diligence and would have cost us some serious money had we gone with them. But Scott from day 1 was thorough and transparent. He would break things down visually and explain things. He would search for the best options for us and ultimately delivered on EVERYTHING he said he would! He was very patient with me and answered all questions or concerns as soon as any came up. I can't recommend him enough!! Go with someone you can trust. If you don't believe me go ahead and get some numbers from others and then bring them to Scott and watch him beat them substantially!
Cecilia ApleyCecilia Apley
17:52 11 Oct 22
Reliance Financial exceeded our expectations as first time home buyers! Scott Wise worked deliberately to help us find the perfect mortgage loan for me and my family. He found us the best rate and was transparent since our initial conversation. He was so knowledgeable of the options that we had and showed us numbers with no hesitation. His ability to break it down and explain the different loans, rates etc. provided us with peace of mind. We knew we had made the best decision as he and the team guided us through the process. We will for sure be using them for any future need and highly recommend you do so as well!
Michael CastiglioneMichael Castiglione
20:50 09 Aug 22
Lucky and the team at Reliance Financial have absolutely mastered the entire mortgage process from start to finish, making it beyond easy to obtain a mortgage. They provide blazing speed with loan approvals within hours and reach clear to close consistently in two weeks. It's because of their focus on the client experience that makes every client feel special and comfortable working with them. I cannot say enough good things about Reliance Financial!
Jaya GuptaJaya Gupta
05:25 01 Apr 22
Excellent experience and amazing customer serviceWe worked with Lucky Sandhu on an investment real estate deal. He is very knowledgeable, transparent and a pleasure to work with. He takes the time to educate and answers any and all your questions. He helped us find the best rates and made sure that he personally guided us through the process.He also has an excellent and very responsive team. They were always on top of all the items and made sure that the appraisal and closing happened before time, even though we had a very tight deadline! Any time we had questions, we got a response immediately from them.They will be our go to partners going forward. Highly recommend Lucky and his team!
Munir SayaniMunir Sayani
22:52 30 Mar 22
RelFin team were amazing to work with! The process as a first time homebuyer can be difficult to navigate but Lucky, Katrina and team did an great job in making the process transparent and easy to understand! All the while being quick to respond and going the extra mile! They provided unbeatable rates and were patient in helping me come to a decision I was comfortable with. I am very happy that I got a chance to work with RelFin and would definitely recommend them!
Manaswini KoustubhManaswini Koustubh
17:35 22 Oct 21
Excellent service by Reliance FinancialWe had an amazing experience working with Lucky and his team at Reliance Financial for our mortgage loan on our new home! Being first time home buyers in the US, we had a lot of questions and concerns, Lucky explained us all the steps in detail and helped us make an informed decision, that made us close our deal on time. They are very good both with emails and are always available to work on our requests. It wouldn't have been a smooth sail with our new place if it was not for Lucky and his fantastic team. Thank you Reliance Financial. Highly recommend this team to anyone currently browsing for mortgage financing!!
Sidak SandhuSidak Sandhu
05:22 29 Nov 18
I have worked with Lucky Sandhu on several real estate deals, both personal and investment (in State and out of State) over several years. He has always been very professional, knowledgeable and just a good person to work with. He takes the time to educate you and answers all your questions. My main take away from dealing with Lucky is, he does not over promise and under deliver. We have always had a candid honest discussion on various topics around real estate. He has been a great partner in helping us build our real estate portfolio. Thinking back, we could not have purchased our first home without Lucky's personal help and guidance.He is a CPA, who has graduated from one of the best universities in the world with an extensive network in the Bay Area. He thinks like a business man and is genuine, humble and overall very passionate and knowledge about the real estate field. Highly recommended.

2. ALB Commercial Capital

One of the top mortgage lenders in California, ALB Commercial Capital has a group of highly skilled loan advisors committed to offering the finest level of service. To meet the specific needs, objectives, and business strategies of each client, the company offers a variety of loan services for entrepreneurs, realtors, lenders, and brokers. The business provides bridging financing, SBA lending programs, and specialized loans for residential buildings and commercial real estate.

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3. Aragon Lending Team

Aragon Lending Team is a reputable mortgage lenders in California with a big client base in the Los Angeles area. The company provides mortgage refinancing, loan term extensions, and term reductions and modifications to help homeowners, homebuyers, and investors achieve their real estate goals. In 2002, Julie Aragon established the agency employing a meticulously planned out mortgage process. By leveraging user-friendly online and mobile tools that match loan programs to clients’ needs and financial situations, the brokerage speeds up the mortgage application process for its customers.

4. Morty

Morty is an online mortgage lenders in California that was conceived in 2016. The brokerage prides itself on a speedy online procedure with quick prior authorization validations and paperwork that take less than 15 minutes to complete. In its six-year history, it has executed more than $1.2 billion in loans. The brokerage may help borrowers access more than 1,500 loan options based on their specific needs. The brokerage’s mortgage product includes a noteworthy assurance that your closing date will be met on schedule. And in the unlikely case that doesn’t end up happening, the brokerage will either reimburse your appraisal charge or its full commission if Morty is to blame for the delay. 

5. Approve Los Angeles

Approve Los Angeles is a motrage lenders in California that serves the Los Angeles metro area. The business specializes in investment, residential, traditional, and business services. Additionally, it can help people who are willing for either buying or refinancing a house. The company has partnered with more than a hundred lenders offering a range of lending packages. The mortgage lender is aiming to solidifying connections with clients by instilling a sense of calm and trust.

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Choosing a mortgage lenders in California to help you with your homebuying needs is a choice that is entirely yours to make. You may have unique financial needs, or enjoy personal preferences, and want the level of service to match your needs and preferences. We hope to help you make the right choice. Towards that, at Reliance Financial we stand committed to providing you with responsiveness, speed-in-closing, transparency, and convenience. 

Every client is treated like family. Thus, we serve you with dedication and respect at Reliance Financial. We truly believe that morality and ethics are the foundations to our success, and we strive to be lenders that our customers can fully rely on.