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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:
 
Mortgage Calculators
We have put together some calculators to help you make sense of the numbers. They are all easy and fun to use. If you would like to get a free quote with no cost and no obligation, please fill out our short application. If you have a question, don't hesitate to call us at 866-724-7769 .

Standard Calculator

Calculate monthly payments of how much your home will cost you with this calculator.


How Much House Can I Afford Calculator

By using a simple formula you can get an idea of how much house you can afford.


Amortization Calculator

See the principal balance change as payments are made. This will show you how much you will owe on your house in "X" amount of years. Also, see how much of your payment is being applied to the principal and how much is being applied to the interest. Most of your payment in the beginning of the loan pays the interest of the loan. Use the Bi-Weekly calculator to see how much you can save by making mortgage payments every 2 weeks as opposed to every month. You will be surprised at what a difference this can make.


Interest Only Calculator

An Interest only mortgage calculator calculator helps the home buyer calculate his monthly payments on this type of loan.


Refinance Calculator

This calculator will help you to decide whether or not you should refinance your current mortgage at a lower interest rate. This calculator will calculate the monthly payment, net interest savings, and the time it will break even on the closing costs.


Bi-Weekly Calculator

Use this calculator to see how much money you can save on your mortgage by making payments every 2 weeks instead every month. You can also shorten the term of the loan by using this process. We have put together many calculators and tools to help you make sense of the numbers. They are all easy and fun to use.


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