Best California Mortgage Lenders
Browse 26 top-rated mortgage lenders in California as of March 17, 2026. See lender reviews, ratings, and investment specialties.
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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 # 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 # 1820
The Hogue Team at CMG Home Loans
Conventional & Gov.
Hard/Private/Non-QM
Conventional & Gov.
Hard/Private/Non-QM
Investor Execution Partner | DSCR & Creative Leverage Specialist We help investors turn theory into real, profitable deals. Most investors don’t fail because of rates. They fail because the deal wasn’t structured correctly. We partner with real estate investors—especially first-time and time-constrained investors—to analyze, structure, and execute investment loans the right way, not just approve them. If you want a lender who will pressure-test your deal, protect your downside, a... view more -
Experts in refinancing commercial property mortgages and apartment buildings. 30 year terms are available. Rates range from 8.865%-11% and close usually in 3-4 weeks. This is private money, non-bank financing & much less paperwork than a bank. Up to 75% loan to value. 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!"