Best California Mortgage Lenders
Browse 15 top-rated mortgage lenders in California as of April 24, 2025. See lender reviews, ratings, and investment specialties.
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NMLS # 2264602
Erik Browning Team from GTG Financial, Inc.
Conventional & Gov.
164 Reviews5.0 stars419 forum postsConventional & Gov.
SERIOUS INQUIRIES ONLY. Mortgage Broker. USMC Veteran. Investor. I used my VA Loan to help me quit my old job to show other people how to do it too. 50% of my business is VA Loans, the other 50% are investors needing Commercial and DSCR. Forgivable Down Payment Assistance also available. Ask me about having 2 (or more) VA Loans at the same time. view more -
Hard/Private/Non-QM
Starlit Realty Capital serves investors and developers nationwide by sourcing appropriate financing solutions for ground up construction, fix & flip/hold, rental, and bridge products. Loan amounts of 100K-50M. Our expertise and dedication ensure that your investment journey is guided by professionals who prioritize your success. With a focus on delivering tailored financial solutions, we strive to elevate the potential of every project and partnership. view more -
NMLS # 2590002
Hard/Private/Non-QM
Welcome to All Loans Funding, your go-to destination for real estate investment financing. Specializing in DSCR, Fix & Flip, Bridge, and Hard/Private Money Loans, we empower investors and property owners to achieve their financial goals with confidence. Our seasoned professionals offer personalized solutions tailored to your unique needs, whether you're a seasoned investor or a first-time buyer. With transparent communication and a commitment to excellence, we ensure your investment endeav... view more -
NMLS # 1553947
Hard/Private/Non-QM
Secure your investment property loan in under 14 days with no income verification. We have funded over a billion dollars in DSCR loans, fix and flip loans, and bridge loans for real estate investors. We have generated over 250 million dollars in rental income for our real estate investors across the nation. We have worked with over 4000 real estate investors helping them achieve financial independence through income generated from their investment properties. We offer 30 or 40 year fixed term... view more -
NMLS # 905781
Hard/Private/Non-QM
Local to Irvine Ca, and with 200+ 5 star Google reviews (and counting), Center Street Lending Prides ourselves on bringing easy, fast, and personalized service to the Real Estate Investing Process. With highly experienced LOs and In house servicing - Our goal is to deliver transactions that are competitively priced and swiftly executed, acting as your 'fast lane' to success. Above all, we are committed to our customers’ success because it’s good for everyone when they succeed. We pride ours... view more -
Hard/Private/Non-QM
We are a investor-focused mortgage company focused on providing expert lending solutions for your next property. Whether you are looking at your first deal or leveraging your portfolio to grow, we are here to be a guide in the world of lending. view more -
Hard/Private/Non-QM
homebldr is a real estate fintech company providing real estate investors with financing and technology aimed at maximizing returns and building long-term relationships. Our financing products include fix & flip loans (at up to 100% LTC), rental loans (DSCR options up to 85% LTV), new construction loans (at up to 95% LTC), and multifamily loans (from 5 - 100 units). Our mission is to make identifying and obtaining the best financing terms possible as quick and easy as possible. We have n... view more -
NMLS # 824237
Hard/Private/Non-QM
With over 17 years of experience, ZINC Financial is one of the fastest-growing companies in the private money lending space nationwide. Founded in 2006, ZINC Financial operates as a TRUE REIT Fund with a dedicated Private Money Lending Division, specializing in financing solutions for real estate investors. Operating in over 40 states, ZINC Financial provides fast, flexible, and reliable loan programs designed to meet the needs of real estate investors. Our streamlined process ensures fund... view more -
Hard/Private/Non-QM
**NO POINTS Programs. Rates from 10.5%.** Hard Money, Ground Up, and Bridge Loans. Accolend is an experienced, direct, private lender. We offer unique Fix and Flip, Ground-Up, and Bridge programs with NO POINTS. We offer fast and reliable service and can fund within 5-10 business days. If you are looking for a low-cost lender with no points, good service, and full cost transparency, you will find a good fit with us. You can find more information at accolend.com view more -
NMLS # 1623101
Hard/Private/Non-QM
Common sense lending for Real Estate Investors. We specialize in all types of non conventional financing ranging from bridge/rehab loans for BRRRR projects and flips to 30 year fixed terms on stabilized properties without any personal income requirements. These also allow LLC vesting and have NO CAP on the # of financed rentals you own. We love working with out of state investors and take a simple approach to qualification. FICO, Assets, DSCR, and Experience. Loan amounts ranging from $7... view more
California Mortgage Rates Today
How to Find a Lender in California
To choose a lender that aligns with your investing goals, start by asking the right questions about their experience with real estate investors and their flexibility in loan terms. When speaking with a potential lender, ask about their familiarity with investment-specific loan products, such as portfolio loans, bridge loans, or cash-out refinancing options, and how often they work with investors in your target market. Understanding the lender's typical loan-to-value (LTV) ratios and whether they offer specialized financing—like quick approvals for competitive markets—can reveal how well their services support quick, strategic property purchases.
In addition to loan features, inquire about fees, interest rates, and their approach to managing multiple property loans. For example, ask if they provide discounts on financing for investors with multiple properties or if they offer customizable loan packages based on your long-term goals. A lender who is open to building a relationship and adjusting terms to your needs is often a better fit for a growing investment portfolio. Finally, get recommendations from local real estate investment groups, which can provide insights into which lenders in your area have a strong track record with investors. And remember there is no one size fits all lender, you will want to find the right one for your investing needs.
Testimonials
"Found a lender who was able to offer exactly what I was looking for."
"Beat our local broker by one percent! Thank you BP."
"Easy to use and found a great Lender! Still going through the process but should close this week!"