Best California Mortgage Lenders
Browse 32 top-rated mortgage lenders in California as of August 12, 2026. See lender reviews, ratings, and investment specialties.
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NMLS # 1176734
Chris Sandoval | VP of Mortgage Lending at Guaranteed Rate, Inc.
Conventional & Gov.
Hard/Private/Non-QM
Conventional & Gov.
Hard/Private/Non-QM
Specializing in mortgage financing for homebuyers, homeowners, and real estate investors. Over 7 years of experience helping clients secure competitive financing, increase purchasing power, and achieve their real estate goals. Known for fast closings, competitive pricing, creative loan solutions, and exceptional responsiveness. Passionate about helping clients with purchases, refinances, jumbo loans, first-time homebuyer programs, physician loans for eligible doctors and medical profession... view more -
NMLS # 1828474
Conventional & Gov.
Hard/Private/Non-QM
I'm Arshawn Ashari, a mortgage broker who specializes in helping real estate investors and homeowners in the state of CA. Whether you're purchasing your next investment property, refinancing to pull equity, or structuring a deal that a big bank won't touch, I work across a wide range of loan programs to find the right fit: Conventional, Jumbo, Govt, DSCR, First-time Homebuyer, Bank Statement, and P&L Only loans. I am your one-stop-shop! What sets me apart: -Speed & responsiveness — "Fast ... 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!"