California mortgage and investor loans

California at a glance for borrowers

• California taxes wage income, which matters when tax returns are used to qualify; bank statement and DSCR loans sidestep that.
• Community-property state: on FHA and VA loans, a spouse’s debts can count even if the spouse is not on the loan.
• California is a community-property state with high conforming and high-balance limits in many counties. Rent-control rules in some cities can affect the rent figure a DSCR lender will use.
• Major markets we see: Los Angeles, San Diego, Sacramento, Riverside, San Jose, San Francisco, Fresno, Bakersfield, Long Beach, Oakland, Anaheim, Irvine, Stockton, San Bernardino, Santa Ana, Chula Vista, Fremont, Santa Clarita, Modesto, Moreno Valley, Fontana, Oxnard, Huntington Beach, Glendale, Santa Rosa, Elk Grove, Ontario, Lancaster, Oceanside, Rancho Cucamonga, Garden Grove, Palmdale, Salinas, Hayward, Corona, Sunnyvale, Pomona, Escondido, Roseville, Torrance, Fullerton, Visalia, Orange, Pasadena, Victorville, Santa Clara, Thousand Oaks, Simi Valley, Vallejo, Concord, Berkeley, Clovis, Fairfield, East Los Angeles, Richmond, Antioch, Carlsbad, Downey, Costa Mesa, Murrieta, Ventura, Santa Maria, Temecula, West Covina, El Monte, Inglewood, Burbank, El Cajon, San Mateo, Daly City, Jurupa Valley, Rialto, Menifee, Norwalk, Vacaville, Chico, Hesperia, Vista, Carson, Compton, San Marcos, Arden-Arcade, Mission Viejo, Redding, Santa Monica, South Gate, Tracy, Chino, San Leandro, Westminster, Hemet, Indio, Santa Barbara, Citrus Heights, Hawthorne, Livermore, Whittier, Lake Forest, Merced, Newport Beach, San Ramon, Buena Park, Redwood City, Alhambra, Manteca, Lakewood, Mountain View, Folsom, Milpitas, Pleasanton, Tustin, Carmichael, Bellflower, Napa, Perris, Rancho Cordova, Upland, Alameda, Chino Hills, Apple Valley, Pittsburg, Dublin, Redlands, Turlock, Baldwin Park, Redondo Beach, Rocklin, Camarillo, Eastvale, Lake Elsinore, Union City, Walnut Creek, Yuba City, Palo Alto, Tulare, Yorba Linda, Davis, Lynwood, Lodi, Madera, South San Francisco, Castro Valley, Brentwood, Laguna Niguel, San Clemente, La Habra, Montebello, Porterville, Santa Cruz, Encinitas, Pico Rivera, Florence-Graham, Gardena, La Mesa, Monterey Park, San Rafael, Woodland, Cupertino, Gilroy, Petaluma, Santee, Hanford, Arcadia, Fountain Valley, Highland, National City, South Whittier, Diamond Bar, Huntington Park, Yucaipa, Colton, Paramount, San Jacinto, West Sacramento, Hacienda Heights, Beaumont, Glendora, Novato, Watsonville, Aliso Viejo, Placentia, Cathedral City, Covina, Delano, Palm Desert, Rosemead, El Dorado Hills, Azusa, Cypress.

Investor loans in California

Home loans in California

Cities

• Los Angeles, CA
• San Diego, CA
• Sacramento, CA
• Riverside, CA
• San Jose, CA
• San Francisco, CA
• Fresno, CA
• Bakersfield, CA
• Long Beach, CA
• Oakland, CA
• Anaheim, CA
• Irvine, CA
• Stockton, CA
• San Bernardino, CA
• Santa Ana, CA
• Chula Vista, CA
• Fremont, CA
• Santa Clarita, CA
• Modesto, CA
• Moreno Valley, CA
• Fontana, CA
• Oxnard, CA
• Huntington Beach, CA
• Glendale, CA
• Santa Rosa, CA
• Elk Grove, CA
• Ontario, CA
• Lancaster, CA
• Oceanside, CA
• Rancho Cucamonga, CA
• Garden Grove, CA
• Palmdale, CA
• Salinas, CA
• Hayward, CA
• Corona, CA
• Sunnyvale, CA
• Pomona, CA
• Escondido, CA
• Roseville, CA
• Torrance, CA
• Fullerton, CA
• Visalia, CA
• Orange, CA
• Pasadena, CA
• Victorville, CA
• Santa Clara, CA
• Thousand Oaks, CA
• Simi Valley, CA
• Vallejo, CA
• Concord, CA
• Berkeley, CA
• Clovis, CA
• Fairfield, CA
• East Los Angeles, CA
• Richmond, CA
• Antioch, CA
• Carlsbad, CA
• Downey, CA
• Costa Mesa, CA
• Murrieta, CA
• Ventura, CA
• Santa Maria, CA
• Temecula, CA
• West Covina, CA
• El Monte, CA
• Inglewood, CA
• Burbank, CA
• El Cajon, CA
• San Mateo, CA
• Daly City, CA
• Jurupa Valley, CA
• Rialto, CA
• Menifee, CA
• Norwalk, CA
• Vacaville, CA
• Chico, CA
• Hesperia, CA
• Vista, CA
• Carson, CA
• Compton, CA
• San Marcos, CA
• Arden-Arcade, CA
• Mission Viejo, CA
• Redding, CA
• Santa Monica, CA
• South Gate, CA
• Tracy, CA
• Chino, CA
• San Leandro, CA
• Westminster, CA
• Hemet, CA
• Indio, CA
• Santa Barbara, CA
• Citrus Heights, CA
• Hawthorne, CA
• Livermore, CA
• Whittier, CA
• Lake Forest, CA
• Merced, CA
• Newport Beach, CA
• San Ramon, CA
• Buena Park, CA
• Redwood City, CA
• Alhambra, CA
• Manteca, CA
• Lakewood, CA
• Mountain View, CA
• Folsom, CA
• Milpitas, CA
• Pleasanton, CA
• Tustin, CA
• Carmichael, CA
• Bellflower, CA
• Napa, CA
• Perris, CA
• Rancho Cordova, CA
• Upland, CA
• Alameda, CA
• Chino Hills, CA
• Apple Valley, CA
• Pittsburg, CA
• Dublin, CA
• Redlands, CA
• Turlock, CA
• Baldwin Park, CA
• Redondo Beach, CA
• Rocklin, CA
• Camarillo, CA
• Eastvale, CA
• Lake Elsinore, CA
• Union City, CA
• Walnut Creek, CA
• Yuba City, CA
• Palo Alto, CA
• Tulare, CA
• Yorba Linda, CA
• Davis, CA
• Lynwood, CA
• Lodi, CA
• Madera, CA
• South San Francisco, CA
• Castro Valley, CA
• Brentwood, CA
• Laguna Niguel, CA
• San Clemente, CA
• La Habra, CA
• Montebello, CA
• Porterville, CA
• Santa Cruz, CA
• Encinitas, CA
• Pico Rivera, CA
• Florence-Graham, CA
• Gardena, CA
• La Mesa, CA
• Monterey Park, CA
• San Rafael, CA
• Woodland, CA
• Cupertino, CA
• Gilroy, CA
• Petaluma, CA
• Santee, CA
• Hanford, CA
• Arcadia, CA
• Fountain Valley, CA
• Highland, CA
• National City, CA
• South Whittier, CA
• Diamond Bar, CA
• Huntington Park, CA
• Yucaipa, CA
• Colton, CA
• Paramount, CA
• San Jacinto, CA
• West Sacramento, CA
• Hacienda Heights, CA
• Beaumont, CA
• Glendora, CA
• Novato, CA
• Watsonville, CA
• Aliso Viejo, CA
• Placentia, CA
• Cathedral City, CA
• Covina, CA
• Delano, CA
• Palm Desert, CA
• Rosemead, CA
• El Dorado Hills, CA
• Azusa, CA
• Cypress, CA

Costs & taxes in California

• Closing costs in California
• Property taxes in California

FAQ