Best California Mortgage Lenders
Browse 29 top-rated mortgage lenders in California as of May 19, 2026. See lender reviews, ratings, and investment specialties.
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NMLS # 1740672
Conventional & Gov.
Hard/Private/Non-QM
Lendevity is a wholesale mortgage broker partnered with over 60 highly rated lenders in the nation. We offer more options compared to the cookie-cutter solutions provided by traditional banks. Our access to a wide range of lenders and loan products allows us to tailor solutions to fit the unique needs of each client. This flexibility ensures that we can find the most cost-effective and suitable mortgage options, even in complex situations. Plus, we can shop for lower rates on the wholesale le... 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 -
NMLS # 310335
Conventional & Gov.
Hard/Private/Non-QM
!!!!OVER 1500 "5 STAR" online REVIEWS!!! at C2 Financial TOP Mortgage Broker in the US, Your ONE-STOP SHOP for all your residential mortgage needs! Mortgage Experts that focus on the BEST service, knowledge, experience, technology, and low rates, all while closing loans in RECORD time. We love to thoroughly educate our borrowers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. We also put our clients ahead ... view more -
NMLS # 2063552
Conventional & Gov.
Hard/Private/Non-QM
Your Favorite Lenders has been voted Top Lender in Orange County CA for 2 years straight in the OC register. Our curated and tailored servicing to Investors is what sets us apart from the rest of the market. Product highlights đ đ Fast 50 -Fast and easy DSCR alternative -No Minimum Fico Score -No Minimum DSCR Requirement -Max LTV (50%), High Equity!! -30 Year Term đ đ± 90 CLTV DSCR -Flexible and Fast DSCR -Lower Liquidity Requirement -Seller Carry or 2nd's allowed! -30 Year... view more -
NMLS # 1125207
Hard/Private/Non-QM
With more than $21 billion in funded loans, Kiavi is one of the nation's largest private lenders to residential real estate investors. Kiavi harnesses the power of data & technology to offer REIs a simpler, more reliable, and faster way to access the capital they need to scale their businesses. With a wide range of bridge and rental funding options to choose from, Kiaviâs 24/7 pricing calculator and team of experts can create a personalized solution for your investment strategy. You get relia... view more -
Hard/Private/Non-QM
We provide private, direct loans for fix-and-flips, commercial, rental, and ground-up projectsâhelping investors close fast and scale confidently. We are based in Michigan, and lend in nearly all 50 states. view more -
NMLS # 2418995
Hard/Private/Non-QM
The Loan House is a premier mortgage brokerage specializing in investment property financing, offering customized solutions for both refinancing and new acquisitions. With over 25 years of experience and more than $600 million in closed investment property loans, our expert team has the knowledge and resources to help you secure the best financing options on the market. From short-term and long-term rentals to properties in transition, we provide flexible loan programs that support your un... view more -
NMLS # 2372297
Conventional & Gov.
Hard/Private/Non-QM
At Greenside Capital, we leverage a combined $1.5B in mortgage experience to deliver investor DSCR and fix-and-flip financing for commercial, multi-unit, and residential properties. We don't require tax returns, using property cash flow or other investor-focused solutions instead. With our streamlined approach, you can secure funding quickly and focus on what you do bestâgrowing your portfolio. Call us today to learn more. view more -
NMLS # 329451
Hard/Private/Non-QM
If youâre an investor looking for creative, flexible financing solutions that work for your specific situation, you need a lender who understands Non-QM lending inside and out. Letâs connect and discuss how I can help you secure the funding you need to grow your portfolio. What Sets Us Apart? â The Industry Leader in Non-QM Lending CrossCountry Mortgage (CCM) is the largest retail mortgage lender in the Non-QM spaceâclosing more Non-QM loans than any other lender. â Better Pricing &... view more -
NMLS # 1799947
Conventional & Gov.
Hard/Private/Non-QM
As seen in Forbes and Money. Access the same loans the property tycoons use. Pain-free investment property loans for all kinds of situations, so you can watch that rent roll in. Tailored investor application - apply in less than 10 minutes. Fast, stress-free closing. 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 financingâlike quick approvals for competitive marketsâcan 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!"