Best California Mortgage Lenders
Browse 28 top-rated mortgage lenders in California as of January 5, 2026. See lender reviews, ratings, and investment specialties.
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NMLS # 1252107
Conventional & Gov.
Hard/Private/Non-QM
Cake Mortgage | Real Solutions for Real Estate Goals Getting financing shouldn’t be complicated and at Cake, we make it simple, fast, and investor-friendly. We specialize in helping real estate investors, entrepreneurs, and self-employed borrowers close confidently on loans that traditional banks can’t (or won’t) approve. Whether you're buying your first rental, leveraging CPA-prepared P&Ls or bank deposits to qualify, or expanding a complex portfolio, our nationwide team offers tailored ... 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 -
NMLS # 1820777
RC Lending
Conventional & Gov.
Hard/Private/Non-QM
Conventional & Gov.
Hard/Private/Non-QM
RC Lending is your trusted mortgage partner, licensed in 49 states and dedicated to providing a seamless and elevated home financing experience. We offer the best of both worlds with in-house lending options for faster closings and the flexibility to broker loans through our network of over 120 lenders to find the most competitive rates and terms. Our expert team is committed to delivering a substantial client experience by guiding you through every step of the loan process with transparency,... 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 # 2569027
Hard/Private/Non-QM
Fast funding. Straight answers. Real experience. We’re a San Diego–based private lender built by investors, for investors. Our team has been on both sides of the table - so we know what it takes to close fast and with confidence. We offer bridge, fix & flip, ground-up construction, and value-add financing nationwide, combining creative capital with real market insight. From first-time investors to seasoned operators, our focus is always the same: responsiveness, transparency, and relation... view more -
NMLS # 1220957
Hard/Private/Non-QM
We specialize in Non-QM loans and complex financing that most lenders can’t approve. Our speed, flexibility, and multi-state reach set us apart. Investors choose us because we win difficult deals, maintain high conversion rates, and operate with efficiency similar to direct lenders. view more -
NMLS # 642688
Conventional & Gov.
Hard/Private/Non-QM
Sunflower Bank Mortgage Lending offers a large variety of mortgage products catered to the seasoned investor to first time buyers and everything in between. Whether you're buying your first home, refinancing, or exploring investment opportunities, I am here to guide you every step of the way. We proudly partner with homeowners, real estate professionals, builders, and appraisers to make the financing process seamless and personalized. 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!"