Home Purchase Loan
Buy Your Dream Home in California
Looking to own a cozy beach house in Santa Cruz or a sleek downtown LA condo? At Lending Mortgage, we make California homeownership simple. Whether you’re a first-time buyer or seasoned investor, our streamlined mortgage process moves you closer to “welcome home.”
California Mortgage, Simplified
At Lending Mortgage, we believe home loans shouldn’t be complicated. That’s why we’ve cut out unnecessary red tape and middlemen. Our California-based team offers direct, efficient lending so you get fast approvals and better offers—without the stress.
We’ve Got a Mortgage For You
Explore Loan Types in California
Not sure what type of Mortgage you need or what you qualify for? Take a look at the types of home loans we offer, and then get in touch to meet your Mortgage Expert.
Your Mortgage Expert is your personal resource through the loan process, providing guidance to ensure you find the best loan with the right payment options.
Adjustable-Rate Mortgage (ARM)
Designed for individuals seeking a more affordable initial monthly payment.
FHA 203k (Purchase & Renovation)
A loan² providing funding of up to $31,000 beyond the purchase price to cover remodeling or home repair expenses.
Manufactured Home Loan
Secure financing for mobile or manufactured homes through private lenders, utilizing FHA or VA Loan programs.
Chenoa Fund™ Loan
Down payment assistance program⁶ offering flexible options.
USDA Loan
Financing for properties with no down payment² available to eligible buyers in rural and suburban areas.
HUD Loan
A government-backed loan ideal for first-time buyers or those with higher debt-to-income ratios.
Helping Home Buyers in Florida
Overwhelmed By The Mortgage Process? Start Here.
The Lending Mortgage Guide to Home Financing will walk you through the ins and outs of the home loan process, step-by-step, and in chronological order. You’ll never have to wonder what’s going to happen next in your home buying journey.
See what our clients have to say about our home loan services
See for yourself why so many homeowners, realtors and first-time buyer in Florida choose Lending Mortgage for help finding the right home loan.
California Mortgage FAQS
What credit score do I need to qualify for a mortgage in California?
Most conventional loans require a minimum credit score of 620. However, government-backed loans like FHA can go as low as 580—and sometimes even 500 with a higher down payment. A stronger credit score typically helps you get better interest rates and loan terms, so it’s worth improving your credit before applying.
How much is the average down payment in California?
While 20% down has traditionally been the standard, many California homebuyers—especially first-timers—put down much less. FHA loans allow for as little as 3.5%, and VA or USDA loans often require zero down. Plus, down payment assistance programs like the Chenoa Fund™ are available to help bridge the gap.
Are there special programs for first-time buyers in California?
Absolutely. California offers a variety of programs that support first-time buyers, including down payment assistance, reduced interest loans, and favorable underwriting terms. We’ll walk you through what you qualify for based on your income, location, and homeownership goals.
Meet Our Mortgage Experts
Find The Right California Home Loan For You!
Let’s face it: Getting approved for a California home loan can be really stressful. There’s tons of complicated paperwork, heart-wrenching rejections, and the potential to waste thousands of hard-earned dollars. Fortunately, there’s a better solution. When you work with Lending Mortgage, our Mortgage Coaches will analyze your financial circumstances to find a home loan in Florida that’s right for you. What’s even better? They’ll walk you through each and every step of the approval process – from daydreaming about that quaint beach house to closing on it.
Legal information
² No -Down Payment Disclaimer: Closing costs and fees may still apply
³ Lending Disclaimer: Mortgage rates are subject to change and depend on the borrower(s) qualification. APR rate(s) quoted are based upon a (loan amount), (loan term, including whether fixed or ARM) year.
⁴ Refinancing Disclaimer: When refinancing your mortgage , you can typically reduce your monthly payment amount. However, your total finance charges may be greater over the life of your loan. Your Lending Mortgage loan professional will provide you with a comprehensive refinance comparison analysis to determine your total life loan savings.
⁵ VA Mortgage Disclaimer: VA home loan purchases offer options for a 0% down payment, no private mortgage insurance requirements, and competitive interest rates with specific qualification requirements. VA Interest Rate Reduction Loans (IRRRL) are exclusively for veterans with current VA loans – current loan rate restrictions apply, and limits to recoupment of costs and fees apply. VA cash-out refinances are available for veterans with or without current VA loans. Policies and guidelines may vary and are subject to individual borrower(s) qualifications. Program and lender overlays apply.
⁶ Down Payment Assistance Disclaimer: First-lien interest rates may be higher when using a DPA.
⁷ Pre-Approval Disclaimer: Pre-approvals are granted to clients who meet qualifying approval criteria and specific loan requirements at the time of application. Results may vary.
General Disclaimer: The content on this page has not been approved, reviewed, sponsored, or endorsed by any department or government agency.
NMLS® Consumer Access℠: https://nmlsconsumeraccess.org/
North Carolina Mortgage Broker License: B-217173
Florida Mortgage Broker License: MBR6689