Golden State Mortgage

California Home Loans

Local California Mortgage Company... Serving Californians Since 1980....

Golden State Mortgage | California Home Purchases | California Mortgage Refinance

SunWest is a preferred Golden State Mortgage lender in California that specializes in California FHA Home Loans, California VA Home Loans, California Conventional Home Loans, California USDA Home Loans, California Jumbo Home Loans, California Native American Home Loans, California Renovation Home Loans, California Manufactured Home Loans and California Reverse Mortgages. 

As the Actual mortgage lender and servicer our underwriters have the ability to make quick decisions for fast approvals and quick closings.

A local California mortgage company, we specialize in purchase home loans and refinancing. As direct mortgage lender we have loan programs and flexible options not available to traditional mortgage brokers.

Whether a first time home buyer in the Golden State needing a California FHA mortgage loan, a California veteran needing a California VA mortgage loan, or a seasoned investor looking for a California Conventional mortgage loan we have your covered.

Need a new home loan in California? Call us today or apply online and let us earn your business. 

California Mortgage Rates

Why Californians are Choosing Golden State Mortgage?

Our goal is to close every loan in 28 days or less. Control from Application to Funding
California Mortgage Lender providing Great Rates and Low Fees - No Fees Loan Options
Local California Mortgage Company with 7 Day Support Application to Final Payment

California Mortgage Lender

California Home Purchase

Buying a California Home

  • Primary, 2nd Home, Investment
  • Low Rates & Fees, No Fee Options
  • FHA, USDA, VA, Native American
  • Conventional, Jumbo & Renovation
  • Manufactured & Reverse Mortgages

California Renovation Mortgage

California Rehab Loans

  • Remodel, Renovate or. Repairs
  • FHA 203K Streamline 
  • FHA Full Documentation
  • Fannie Mae Homestyle Reno
  • Freddie Mac Home Choice Reno

California FHA Home Loans

California 1st Time Buyers

  • Smaller Down Payments
  • Flexible Underwriting Guidelines
  • Higher Debt to Income Ratios
  • Lower Credit Scores – Down to 500
  • Down Payment Gifts Allowed

California VA Home Loans

California Vets Zero Down!

  • Primary Residences
  • Simply Qualifying for Veterans
  • No Lender Fee Option
  • Credit Scores Down to 500
  • Manual Underwriting Allowed

California Conventional Loans

California Purchase Flexibility

  • Primary, 2nd Home, Investment
  • Great Rates and a Variety of Terms
  • Single and Multi-Family Properties
  • Lower Mortgage Insurance Options
  • Renovation Loan Programs

California Jumbo Home Loans

California High Balance Loans

  • Primary and Secondary Residences
  • Simply Qualifying for Veterans
  • Loans to 3 Million
  • Credit Score Minimum
  • Investor Specific Guidelines

California USDA Home Loans

California Rural Properties

  • 100% Financing
  • Primary Residences
  • New Manufactured Homes Allowed
  • Closing Costs/ Repairs Rolled In
  • Geographic and Income Limits Apply

California Native American Loans

California HUD 184 Loans

  • Primary Residences Only
  • Manual Underwriting for All Loans
  • No Credit Score Requirements
  • Tribal Grants Allowed
  • Purchase, Refinance and Renovation

California Manufactured Homes

California Mobile Home Loans

  • Existing Purchase or Refinance
  • New Construction
  • One Time Close Land / Home
  • Lock Rate at Contract
  • FHA, VA, USDA, Native American

California Reverse Mortgages

Your California Home at Work

  • Primary Residences Only
  • Simply Qualifying – Equity Based
  • No Credit Score Requirement
  • Minimum Age 62
  • Purchase, Refinance, Cash-Out

California Non Qualified Mortgages

Making Mortgages Possible

  • Purchase, Refinance & Cash-out
  • Primary, 2nd and Investment
  • Full Doc Programs
  • Alt Doc Programs
  • Corporations OK

California Reverse Mortgages

Build Your California Dream

  • Primary Residences Only
  • One Time Close
  • Lock Rate at Contract
  • Traditional Final Mortgages
  • Purchase, Refinance, Cash-Out

California Mortgage Refinance

California Rate & Term

  • Reduce Monthly Payment
  • Shorten Mortgage Term
  • Cash-Out Debt Consolidation
  • Streamline Options Available
  • 2nd Lien Equity Lines

California Cash Out Mortgage

California Equity Refinance

  • Debt Consolidation
  • Investment Opportunities
  • Home Improvement
  • Dream Vacation
  • Higher Education
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