Welcome to the Golden State!  We are excited at the opportunity to assist you in finding some of the lowest California mortgage rates available.  National Rate Finder has teamed up with CaliforniaRates.net, a California mortgage website to make it easy for Californians to finance their home whatever their circumstance.  The real estate market on the west coast has become a buyer’s market, and it is more important than ever that you have a resource to turn to that will give you access to reputable California mortgage lenders that can take you from application to close with no worries or hassles.  In order to make sure that you get the best California mortgage rate quote for your situation, it is a good idea to start gathering together any paperwork that is going to be needed for your mortgage professional to assess your loan qualifications.  Specifically, you should locate your last two years of tax returns, your last two years of W-2s, your most recent pay stubs (covering 30 days of pay), and your most recent bank statements. 

Upon your contact with one of our California mortgage lenders, you may also want to let them run your credit report.  This will accomplish two things.  It will allow your mortgage representative to see all three of your credit scores (from Equifax, Experian, and TransUnion), and it will also allow them to see your debts.  However, if you currently pay child support, or alimony, this may very well not show on your credit report and it is your legal obligation to disclose the specifics of these payments.  All of this information will be used to determine what the lowest rate is for your situation.  

California Jumbo Mortgages
California real estate is some of the most expensive in the country and for good reason.  This great state has a lot to offer, from the beauty of the terrain and vast coastline, to its temperate climate and great people.  If you are working with a California real estate agent in and around the major cities or on the coast, there is a very good chance that you are going to require a California jumbo mortgage.  There are times when the loan amount is only slightly above the conventional mortgage limit.  In cases like these, your mortgage consultant may recommend a conventional first mortgage with a  “piggyback” second mortgage to avoid the slightly higher interest rate that go hand-in-hand with California jumbo mortgages.  However, if the loan amount is high enough, it will be in your best interest to take out a jumbo loan.

California Refinance
Are you looking to take some cash out of your home, or avoid that pending interest rate adjustment on the adjustable rate mortgage (ARM) you took out a few years back?   CaliforniaRates.net can take care of all of your California refinance needs.  Even if you think that a California refinance may not be right for you, it is advisable to take just a few minutes to fill out the application to make absolutely sure that you are in the best California mortgage loan possible.  It could be costing you thousands of dollars in interest, and you may not even know it. 

Get Started Now
There is never any obligation when disclosing your information on our application.  Our California mortgage lenders are second-to-none, and don’t have to use high-pressure sales tactics because their service speaks for itself.  We only work with the best because it is important for us that you come back again, and tell your friends, family, and colleagues about CaliforniaRates.net.  Whether you are looking to purchase a home to live amongst the stars in Hollywood, or refinance that condo you own in Fresno, simply click on the link below and get started today!