Securing a Mortgage for Your California Home with Central Mortgage Funding

California’s allure is undeniable, offering diverse landscapes from stunning beaches to majestic mountains, and even serene forests and deserts. If you’re ready to invest in your dream home in this vibrant state, Central Mortgage Funding is here to guide you.

Whether you’re eyeing a home in Los Angeles, San Francisco, Sacramento, or San Diego, our expert mortgage consultants are equipped to tailor a loan program that aligns perfectly with your financial aspirations.

Already own a home in California? We’re also adept at assisting with mortgage refinancing!

California Mortgage Rates and Trends

Since 2020, due to COVID-19, national mortgage rates have reached historic lows, enabling countless Americans to benefit from reduced borrowing costs.

Mortgage rates in California have followed this downward trend, although they are now gradually rising. Nevertheless, they remain low compared to historical norms. It’s advisable for all homeowners, regardless of when you secured your mortgage, to consider a free mortgage review with Central Mortgage Funding. A lower interest rate could translate into substantial monthly savings.

Various factors, including your debt-to-income ratio and credit score, can impact mortgage rates. At Central Mortgage Funding, we are committed to customizing a loan program that suits your unique needs. Our range of mortgage options for California home buyers includes FHA, VA, Conventional, USDA, and more.

Down Payment Assistance

Many down payment assistance programs are available for prospective home buyers in California. If you’re considering purchasing a home, let us help you explore the available options and grants*.

Don’t forget to ask your mortgage consultant about:

  • Closing cost assistance
  • Dream Makers Grant
  • First-time home buyer incentives
  • Forgivable and non-forgivable second mortgages
  • Tax credits

*The actual assistance amount can vary based on factors such as the purchase city, credit score, and other financial requirements. Down payment assistance programs are city and/or state initiatives, not funded by Central Mortgage Funding. A homebuyer education course may be required before applying.

Refinancing Your Mortgage

  • Is your current mortgage payment or interest rate higher than you’d like?
  • Are you struggling with high-interest debt?
  • Want to pay off your mortgage sooner?

If you’ve answered yes to any of these, now is the perfect time to schedule a free mortgage review with one of our California mortgage consultants. Our team is ready to educate you on the benefits of mortgage refinancing, potentially leading to savings of up to $1,000 a month! With Central Mortgage Funding, you can select a loan term that’s right for you, starting at ten years.

Why Choose Central Mortgage Funding?

As a national mortgage lender, Central Mortgage Funding is committed to making homeownership more accessible and affordable. We offer competitive rates with no upfront fees, and our experienced consultants work diligently to create the ideal loan program for your financial goals. With most of the lending process available online, getting started is more convenient than ever.

Our relationship with our clients goes beyond the transaction. We view each customer as part of the Central Mortgage Funding family, ensuring your home buying journey is as smooth and stress-free as possible. We’re also here to assist with refinancing for better rates or cash-out options. Post-closing, we remain available to address any mortgage-related questions. We look forward to building a lasting relationship with you!

Building Your Home Loan Together

To speak with a California mortgage consultant at Central Mortgage Funding, call (833) 302-1032. We’re dedicated to customizing any loan in the industry to meet your needs, ensuring you receive the best service, lowest rates, and fastest closings. Experience how effortless the process of mortgage refinancing or buying a new home can be with us!

Central Mortgage Funding is an Equal Housing Lender; Lic# 60DBO-87877

Ready to talk?

Are you unsure on the path you should take to home ownership? Our Loan Specialists are here to help you through the entire process. They will find you the best term, and rate to fit your budget!