California home financing
Conventional loans in California
A familiar mortgage option with details worth comparing.
Conventional financing can serve a range of California purchase and refinance needs. The right structure depends on the property, occupancy, loan amount, credit, income and funds available for closing.
Start with your general goal. Email opens your email app; send your message from there. Please use the application portal for financial documents.
Review the full borrower profile
Lenders evaluate qualifying income, credit history, existing debts, assets and the source of closing funds. Self-employed borrowers should discuss which business and personal records are needed. An initial conversation can help identify documentation questions before an application is reviewed.
Consider the property and occupancy
Eligible primary homes, second homes and investment properties can have different requirements. Single-family homes and some two- to four-unit properties may qualify, depending on the program. Condominiums can involve additional project review.
Compare the complete loan offer
Consider the rate, APR, closing costs, loan term, payment and mortgage insurance where applicable. Conforming loan limits vary by location and year; a larger financing need may call for a jumbo discussion. A conventional loan is not automatically the lowest-cost choice for every borrower.
Questions before we talk
Can a first-time buyer use a conventional loan?
Potentially. First-time and repeat buyers can discuss conventional options, subject to eligibility.
Can I refinance a conventional mortgage?
We can compare available refinance options with your current loan, costs and plans for the property.
Serving California borrowers, including Kern County and Southern California. Call (661) 342-7800 in Kern County or (805) 908-8337 in Southern California.
Talk through conventional loans with Sasha.
Start with a conversation about your goal, property and timing. Read client experiences with Team Windes.
Email opens your email app. The application opens Loanzify in a new tab. Please submit financial records through the application portal when requested.
All loans are subject to credit, property and underwriting approval. Programs, documentation, eligibility and terms vary by lender and may change. This is not a commitment to lend.