Home Blog Apply Now! Speak to a Live Loan Officer: (800) 536-8171

Speak to a Live Loan Officer:

Welcome to Golden State Mortgage
Your Local California Mortgage Company

Low Rates & Low Fees…Fast Closings!!!

Apply Online in 2 – 3 Minutes

  • Direct California Mortgage Lender
  • In-house Underwriting & Processing
  • No Cost Loan Estimates

Refinance Today and Save

  • Rate & Term, Cash-out Equity
  • Free Mortgage Consultation
  • Streamline Options Available
Our Popular California Home Loans
30 Year Fixed Conventional, FHA, VA and USDA Home Loan Options
Conventional Rates


Primary, 2nd Homes &
Investment Properties

FHA Rates


Great for 1st Time Buyers

Only 3.5% down

VA Rates


100% Loans to Conforming

Jumbo Options Available

USDA Rates


100% Financing
Rural Properties

Rates current as of 10/16/2017, 2:56:53 PM . Rate Assumptions

Why Choose Golden State Mortgage?

Close on Time

Our goal is to close every loan in 28 days or less. Local underwriting, processing, and closing for fast approval an on-time fundings.

Low Rates & Fees

Direct California Mortgage Lender with Low Mortgage Rates. FHA, VA, and USDA Approved Lender.

Customer Service

We are Local to California and provide top-notch customer support. We will be with you at every step from application to closing. Read what our customers are saying!


California New Home Loans

California Home Loans
California Home MortgagesConforming, Super Conforming
  • Primary, Secondary or Investment Properties
  • Single Family and Multi Family Properties
  • Lower Rates and Better Terms
  • Direct Lender – Control From App to Funding

California FHA Home Loans

California FHA Loans
California FHA Home MortgageCalifornia 1st Time Home Buyers
  • Great for First Time Home Buyers
  • 3.5% Down Payment
  • Low Rates / Easier Qualifying
  • Lower Credit Scores / Alt Credit OK

California VA Home Loans

California VA Loans
California VA Home MortgageProudly Serving our California Veterans!
  • 100% Financing to Conforming Limits
  • Low Rates / Easier Credit Qualifying
  • Fewer Debt to Income Restrictions
  • Lower Credit Scores Allowed

California USDA Home Loans

California USDA Mortgage LoanCalifornia Rural Home Buyers
  • 100% Financing Rural Properties
  • Closing Costs May be Financed
  • Repairs Can May be Financed
  • Income & Property Restrictions Apply

California Customer Service

2244 Pacific Coast Hwy #207

Lomita CA 90717

Central California Home Loans

Fresno Home Loans

Southern California Home Loans

Los Angeles Home Loans

San Diego Home Loans

Why Golden State Mortgage Company?

As a local California mortgage company, Golden State Mortgage specialize in new home loans and refinancing.  As a direct mortgage lender Golden State Mortgage company has loan programs and options not available to traditional mortgage brokers.  Whether a first time home buyer needing a California FHA home loan, a US military veteran needing a California VA home loan, or a seasoned investor looking for a California Conventional home loan  Golden State Mortgage has options for your next new home purchase. As a direct mortgage lender we offer low rates and fees and with local California operations allowing for quick, common sense decisions. We can typically get you approved fast and can close your loan in less than 28 days.  Need a new home loan in California? Call us today or apply online and let us earn your business!

Our Mortgage Loan Process

California Home Loans

  • Direct Mortgage Lender- Low Rates & Fees
  • Full Range of Mortgage Programs
  • Technology Driven
  • Same Day Pre-Qualifications
  • Streamline Process, Fast Closings & On Time Funding
  • Typically Close in 28 Days or Less!

The value of our mortgage company?  (it’s our people!)

Greg Block

SR VP Lending

NMLS 150179

Shelly Gremilion

Branch Manager

NMLS 296491

Dale Gremillion

Sr Loan Officer

NMLS 210325

Russell Stout

Sr Loan Officer

NMLS 220896

California Mortgage Lenders | FHA, VA, CONVENTIONAL, SUPERCONFORMING, JUMBO & USDA Home Loans

Call today to learn why more Californians are choosing Golden State Mortgage. Golden State Mortgage Company is a direct lender offering a full line of mortgage products with great rates, low fees and fast closings. Whether US Military in need of a California VA home loan or a 1st time home buyer in need of a California FHA home loan, we have you covered. Learn more about all of our  Loan Options.