Buying a New Home?
New Home Purchases - Closing Typically 28 Days or Less!
As a local direct California home mortgage lender, Golden State Mortgage has the flexibility to underwrite using common sense allowing for quick decisions and fast closings. Golden State Mortgage’s flexibility and efficiency is typically unavailable to traditional mortgage brokers as we control the transaction from application to funding. As consummate mortgage professionals, every Golden State employee from the top down is committed to providing excellent customer service throughout the entire loan process. Low rates, low fees, fast closings and superior customer service is our mission statement. Please contact us today to find out which California home loan type is right for you.
California conventional home mortgages are generally insured by and are underwritten to either of the federal government GSE’s, Fannie Mae and Freddie Mac. Conventional home loans are for the purchase of primary, second and investment properties as either single family or multi family.
FHA home loans are a government insured loan type that has been helping borrowers since 1934. FHA home loans are a great option for first time home buyers, as credit standards are easier and FHA loans offer more flexibility with credit scores as low as 580 and a down payment as little as 3.5% down.
Golden State Mortgage specializes in VA home financing and has been serving us military since we opened our doors. As a direct mortgage lender, you will experience the benefits of having your VA loan underwritten, approved and closed all from our local California professionals.
For rural properties a California USDA home mortgage could be the perfect fit for a home buyer. Offering 100% financing, with the ability to roll in closing costs and in some cases repairs, California USDA makes home ownership possible for many Californians.
For home mortgages with a loan amount exceeding (varies by county) conforming limits, Golden State Mortgage offers a variety of jumbo loan programs to fit your purchase or refinance needs. You can choose between a fixed or adjustable rate depending on your financing goals.