Best California Mortgage Lenders
Browse 35 top-rated mortgage lenders in California as of May 26, 2026. See lender reviews, ratings, and investment specialties.
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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
Greenside Capital
Conventional & Gov.
Hard/Private/Non-QM
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 best—growing your portfolio. Call us today to learn more. 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 # 2625701
Hard/Private/Non-QM
HomeAbroad is a one-stop PropTech and FinTech platform that unlocks US real estate investment for global investors, offering specialized mortgage solutions without needing US credit history or residency, an AI-driven investment property search engine, local investor-friendly real estate agents, and end-to-end support (LLC formation, U.S. bank accounts, property management connections). view more -
NMLS # 1852871
Maltese Capital
Hard/Private/Non-QM
Hard/Private/Non-QM
Most lenders don’t truly understand investors. At Maltese Capital, we do — because we’ve spent decades building, financing, and scaling portfolios ourselves. With over 20 years in the mortgage and real estate industry, we’ve been involved in hundreds of millions of dollars of transactions — from our own fix & flips to helping clients grow multi-property portfolios. We know what’s on the line for investors, and our mission is simple: to be the capital partner we always wished we had. Why... view more -
Hard/Private/Non-QM
At Contour Mortgage, we pride ourselves on being more than just a direct retail residential mortgage lender—we’re a trusted partner in turning vision into reality. Our Business Purpose Lending division focuses on 30-year renovation loans and DSCR financing, empowering investors, developers, and entrepreneurs to acquire, improve, and maximize the value of their properties. With decades of combined expertise and a client-first approach, we deliver tailored financing solutions that move projects... view more -
LIONSCOVE Private Lending
Hard/Private/Non-QM
Hard/Private/Non-QM
LIONSCOVE is the trusted partner for ground up construction loans, fix and flip loans, residential business-purpose loans, and bridge loans. Working in all 50 states, and specializing in the California and Pacific Northwest regions, LIONSCOVE works with borrowers at any experience level who maintain a FICO score above 680. Whether you're a seasoned investor or new to real estate, LIONSCOVE has the flexible financing solutions you need to succeed. view more -
NMLS # 1916128
Conventional & Gov.
Hard/Private/Non-QM
We specialize in helping investor buyers and borrowers unlock the potential of creative financing options, providing tailored lending solutions that maximize their investment returns. With a deep understanding of alternative financing strategies, I offer flexible, innovative solutions that empower my clients to achieve their real estate goals with greater ease and profitability. view more -
NMLS # 2651083
GRZECA CAPITAL - Antonio Grzeca Strodthoff - Investment & DSCR Mortgage Loan Officer
Hard/Private/Non-QM
18 forum postsHard/Private/Non-QM
We specialize in DSCR (Debt Service Coverage Ratio) financing designed specifically for investors looking to scale without traditional income documentation. Below are our current programs with no FICO score minimum through Champions Funding: 1–4 Unit DSCR Financing * No personal income or employment verification required * Qualify based on property cash flow (rental income) * Up to 80% LTV (purchase) | 75% LTV (cash-out refinance) * No seasoning required for cash-out * Loan amoun... 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!"