Best California Mortgage Lenders
Browse 18 top-rated mortgage lenders in California as of June 30, 2025. See lender reviews, ratings, and investment specialties.
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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 🏠🚀 Fast 50 -Fast and easy DSCR alternative -No Minimum Fico Score -No Minimum DSCR Requirement -Max LTV (50%), High Equity!! -30 Year Term 🏠😱 90 CLTV DSCR -Flexible and Fast DSCR -Lower Liquidity Requirement -Seller Carry or 2nd's allowed! -30 Year... view more -
NMLS # 1974345
Conventional & Gov.
Hard/Private/Non-QM
Mortgage made easy through speed, low cost and exceptional service. We have loan options for all types of scenarios. We have 4.9 starts rating with Google. We specialize in DSCR, Investment Loans and all non traditional income loans. 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, Kiavi’s 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
BRKCTY (pronounced “Brick City”), is the #1 fastest growing DSCR Lender in the country, offering competitive financing options for real estate investors nationwide. Providing over $800,000,000 in funding to date. BRKCTY is a lending company founded by investors for investors, uniquely positioning us to understand and serve your financing needs. view more -
NMLS # 329451
Hard/Private/Non-QM
If you’re 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. Let’s connect and discuss how I can help you secure the funding you need to grow your portfolio. What Sets Us Apart? ✅ The Industry Leader in Non-QM Lending CrossCountry Mortgage (CCM) is the largest retail mortgage lender in the Non-QM space—closing more Non-QM loans than any other lender. ✅ 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 -
NMLS # 2078146
Hard/Private/Non-QM
At Mavin Loans, we’re not just lenders—we’re your ticket to turning real estate dreams into reality. As a premier hard money and DSCR lender, we specialize in fast, flexible financing that empowers investors and business owners to seize opportunities others miss. Ready to unlock your next deal? Let’s make it happen. view more -
NMLS # 898795
Hard/Private/Non-QM
Dominion Financial Services is a full-service lender for residential real estate financing with a full suite of competitive products including: 30-Year DSCR Rental Loans, Fix & Flip, Ground-Up Construction, & Multifamily Bridge. Founded in 2002, we are a privately owned firm known for our speed, service, and reliability. At Dominion Financial Services, we understand your business. We are real estate investors, too. In fact, we own a portfolio of over 780 properties and have dealt with the ... 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!"