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    Welcome to California Home Lending

    Browse around our site and you will find everything you need, including helpful information, calculators and more.
    Also, don't forget to use the form within the banner to see how much lower our rates are than the big banks.
  • Apply Now

      Short Application

      Use our Short Application to quickly see if you qualify and obtain a pre-approval letter.

      Full Application

      We suggest filling out this application only if your loan consultant has instructed you to do so. This application requires you to setup a user name and password for yourself.

      Download Application

      You can download the application material now and mail or fax it to us. This is a full application that can be printed as opposed to the online application that can be filled out on a browser.
  • Purchase
      Purchasing a home is a very exciting time, and being well prepared will help you make better decisions. Take this opportunity to learn more about home buying and the mortgage process.

  • Refinance
      Why pay more than you have to? Don't miss out on super low rates.
      Changing the terms of your loan can benefit you and maximize your monthly income

  • Tools & Info
    Use the form within the banner on the home page to see how much lower our rates are than the big banks. Then fill out our short application to see if you qualify and obtain a pre-approval letter. If you have any questions, just click Contact Us or call us at 866-724-7769 .
  • About Us

    Who We Are

    California Home Lending helps people get better rates than the big banks and offers better customer service during the process.

  • Contact Us
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Get a Rate Quote In Seconds
Including Closing Costs
Loan Amount:
Property Value:
Loan Type:
State:
County:
Purpose:
Residence Type:
Units:
Documentation:
Lock Period: 15 30 45 60
Credit:
 
Affordability Calculator
Use the calculator below to give you an idea of how much of a mortgage you can afford. However, it is meant to be a guideline, not a rule. We have many programs available that can maximize the amount of a home you can afford.
Desired mortgage amount:
Mortgage length (in years)
Interest %
Annual property tax
Total monthly payments not including mortgage (car, loans, credit cards, etc).
 



Summary
Monthly Principal + Interest
Total Monthly Obligations
Required Salary

Listed below are the basic guidelines of how our industry determines how much of a mortgage payment you qualify for.

 
 
1. Your gross (before taxes) monthly salary should be greater than 28% of the sum of the monthly mortgage and monthly tax payments.
 
2. Your gross (before taxes) monthly salary should be greater than 36% of the sum of the monthly mortgage, monthly tax and other monthly debt payments.
   









Loan Calculators are tools designed to help you. However, we can help you know exactly what you qualify for.



Testimonials
"Cal Home Lending I must say is a very progressive mortgage company. You guys are spot on and I have really appreciated working with good real people. Thanks again for getting my loan done so quickly and saving me time and money."
Brody - Sebastopol, CA
"I want to thank Cal Home Lending for helping me with my refinance for the second time in the last three months. Your team and processors are amazing. I have done many purchases and refinances in the past and this has been my best experience yet! You all worked with me professionally every step of the way. I have many properties which I own and I am already preparing documents for yet my 3rd refinance with you. Thanks again!"
Kurtis - Newport Beach, CA
"Thank you for a very quick and easy process for a refinance. I will be recommending you to anyone I know with great credit who needs to refinance. Your rates, fees, and professionalism are worth talking about. "
John - Santa Cruz, CA