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California Real Estate Center

Mortgages & Home Loans

Mortgages & Home Loans

Mortgages are probably the single most important aspect of buying a home. You may find the home of your dreams but if you are unable to obtain mortgage financing, you most likely will not be able to buy a home (unless you have all cash).

It is important to get a mortgage pre-qualification before beginning your home buying process as this helps you in the following ways:

	Limits you home search to only homes you can afford.
	Helps you in your real estate negotiations.
	Eliminates "surprises" during the home buying process.
	Allows you to know exactly how much money is required to buy a home.
	You will know what to expect as a monthly payment.

Learn how much California real estate you can afford with our free online mortgage pre-qualification or you may email us to schedule an appointment or ask questions

Here are some useful items when looking at mortgages.

	Mortgage Calculator
	Items Needed List - download or print this list
	Tips for Shopping for a Mortgage - free report
	Mortgage Guides - free mortgage guides

We have compiled information on the most common mortgages used when buying a home.

Types of Mortgages

Review the links below and select the mortgage programs that you believe will best suite your real estate mortgage needs.

	Jumbo Mortgages - loan amount over $417,000
	FHA Loans - 3% down payment
	VA loans - 100% financing for veterans
	Conventional Mortgages - most common mortgage
	CalPERS loans - mortgages for CalPERS, LRS, and JRS members
	Construction loans - finance the construction of a home
	CHFA loans ( Calhfa ) - first time home buyer loan program
	STRS loans - mortgages for members STRS retirement program
	Bad Credit Loans ( Sub Prime Mortgages ) - mortgages for those with bad credit
	Home Equity Loans - home equity loans, second mortgages and home equity line of credit loans
	Cal Vet Loans - special program for veterans buying a home in California
	FHA Streamline Refinance Loans - If you have a FHA loan your can do a FHA streamline refinance mortgage.

Reverse Mortgage - information on reverse mortgage for seniors over 62

If you have any questions regarding mortgages, please email us or call (800) 931-7377.

Are You Qualified?
Learn how much of a home you can afford

Mortgages
Learn about different types of California mortgages

Mortgage Preapproval
Get a free mortgage pre-approval for buying a home

Mortgage Rates
Get a weekly email of current mortgage rates

Home Buying Guides
Free buying a home guides and home buying tips via email

Find a Realtor
Find a California Realtor

Selling a Home?
Learn how much your home is worth?

Mortgage Calculator
Calculate monthly mortgage payment

No Money Down?
Learn how to buy a home with no down payment

Free Credit Report
Get your free credit report online, instantly

Bad Credit?
Buying a home with bad credit

Real Estate Questions

Email us your real estate or mortgage questions

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for California Mortgages

California Real Estate Center.com provides mortgage information about california mortgages and california home loans, mortgage rates and mortgage loans.

Mortgages & Home Loans

Types of Mortgages

Jumbo Mortgages - loan amount over $417,000

FHA Loans - 3% down payment

VA loans - 100% financing for veterans

Conventional Mortgages - most common mortgage

CalPERS loans - mortgages for CalPERS, LRS, and JRS members

Construction loans - finance the construction of a home

CHFA loans ( Calhfa ) - first time home buyer loan program

STRS loans - mortgages for members STRS retirement program

Bad Credit Loans ( Sub Prime Mortgages ) - mortgages for those with bad credit

Home Equity Loans - home equity loans, second mortgages and home equity line of credit loans

Cal Vet Loans - special program for veterans buying a home in California