The California Home Solution, Inc Team

We are California Home Solution, Your direct Banker and Mortgage Broker for all your Real Estate financing needs!

At California Home Solution we are committed to providing you solutions for all your residential and commercial financing needs.

Our approach is simple. We listen, we advise and provide financing solutions based on your personal situation. Whether you are first time home buyer, purchasing your next dream home, refinancing, consolidating debt or need a fast Portfolio Loan, Hard Money (Bridge Loan), Private Money, our highly experienced team of Solution Advisers can help make it happen for you.

When you choose a California Home Solution Professional, you get an advocate that will apply their knowledge and experience to make your experience a pleasant one. Not only will you have a guide during the loan process, you will have “go to” person for any other services you may need financing related or not.

At California Home Solution, our ultimate goal is to create relationships with each of our clients so that we may continue to provide SOLUTIONS for many years to come.

Happy family moving into new home

Homebuyers

See how much you qualify for in today's market.

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Today's Rates

See if the time is right for you to purchase or refinance.

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Refinance

We can help you lower your rate or take cash out.

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Loan Programs

Learn about different types of home loans.

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Your top mortgage questions, answered

More than most people realize. The familiar ones are conventional, FHA, VA, USDA, and jumbo loans, plus your choice of a fixed rate that never changes or an adjustable rate that can move over time.

We also do the loans most banks turn away. If you are self-employed and your tax returns do not show your real income, we can qualify you off your bank deposits instead. If you are buying a rental property, we can qualify you off the rent it brings in rather than your personal income. If you are retired and living off savings, we can use those assets to qualify. We also handle reverse mortgages for homeowners 62 and older, and second mortgages that let you pull cash out without touching your existing low rate.

The point is this: whether you are a W-2 employee, a 1099 contractor, self-employed, retired, or an investor, there is a program built around how you actually earn. Call us and we will find it.

A fixed-rate mortgage has a constant interest rate throughout the loan term, leading to predictable monthly payments. An adjustable-rate mortgage (ARM) has an interest rate that can change periodically, causing fluctuations in monthly payments.

Pre-qualification provides an estimate of how much you might be able to borrow based on the information you provide. Pre-approval involves a more thorough review of your financial situation and credit history, resulting in a conditional commitment from a lender.

While it may be more challenging to qualify for a mortgage loan with bad credit, there are still options available. Government-backed loans like FHA loans may have more flexible credit requirements, and some lenders specialize in working with borrowers with less-than-perfect credit.

What our clients are saying

  • I highly recommend California Home Solutions for your loan needs. Manny is amazing. i have applied for many loans in my life. Yet, no other loan officer has come close... read more

    Maggie M. Avatar Maggie M.
    July 3, 2026

    Hey everyone! California Home Solution and Manny were a tremendous source of support in facilitating my loan and getting me into my first condo in 2005 and first home... read more

    Allen Voss Avatar Allen Voss
    April 27, 2026

    Great experience! Super responsive, detailed, personal experienced tailored to my wants and needs. Thank you Steve and Danielle for all of your help in my first home buying process!

    Jake Goodman Avatar Jake Goodman
    November 3, 2025

    We had the best experience working with this company. As first-time homebuyers, the process felt overwhelming at first, but Manny truly went above and beyond to guide us every step... read more

    Ivona Stevik Avatar Ivona Stevik
    July 22, 2025
  • Manny's efforts, professionalism, vast experience, enthusiasm, and genuine desire to improve the lives of his clients resulted in a great experience and a life-changing deal for us. Thanks Manny!

    kirbytepper Avatar kirbytepper
    January 28, 2025

    Manny excels as a negotiator when representing buyers, ensuring the best possible outcomes on conditions, credits, and other factors. He achieves this largely through his professionalism and the ability to... read more

    Mario F. Román C. Avatar Mario F. Román C.
    August 1, 2024

    We are thrilled to share our exceptional experience with California Home Solution, led by Manny Solana as our closing real estate agent. Despite having already selected the property, Manny and... read more

    Judy Garcia Avatar Judy Garcia
    July 10, 2024

    I cannot say enough good things about Manny Solana and California Home solution! Manny went above and beyond to help us with our dream home. He’s been helping our family... read more

    Kwesi Dei Avatar Kwesi Dei
    July 6, 2024
  • California Home Solution, and more specifically Manny, are the best out there. Manny was kind, compassionate, and most importantly savvy and creative in partnering with me to find the best... read more

    Claire Michelle Avatar Claire Michelle
    March 19, 2024

    Manny is the best. He took my file when all others declined it. He worked very very hard. He fought for me. At the end I got an incredible rate,... read more

    Jason Marley Avatar Jason Marley
    November 5, 2021

    Manny and his team delivered on what seemed to be a standard loan but had new rules changes and everyone I went to couldn’t deliver on the services or politely... read more

    Sherry Pedersen Avatar Sherry Pedersen
    July 5, 2021

    Words alone cannot express how grateful and thankful I am for Manny Solana, President and owner of California Home Solution. He took a very serious financial situation and turned... read more

    Blanca Hernandezpp Avatar Blanca Hernandezpp
    October 29, 2019
  • If there was an award given to the most dedicated Loan Officer, Manny would get that award. I recommend Manny because I have had time to work with him... read more

    Sam Sahimi Avatar Sam Sahimi
    May 23, 2019

    When I first contacted Manny Solana, I was looking for some immediate assistance with what I thought was a very stressful situation, with a fast nearing deadline. Within a few... read more

    Joe Duran Avatar Joe Duran
    March 12, 2019

    I can’t say enough great things about Manny when it comes to his knowledge and integrity there’s nobody better. He’s so genuine and will give you all his time and... read more

    Gary Rubens Avatar Gary Rubens
    March 2, 2019

    California Home Solution is highly recommendable to get the right house for you, I've been looking for a couple of years to get my own, then I was recommended to... read more

    OSCAR MELCHOR Avatar OSCAR MELCHOR
    February 27, 2019
  • Absolutely Top Notch professionals. I’m so thankful for their dedication to explaining everything about my reverse mortgage in terms that I could understand. I recommend that you start with this company... read more

    XD Gamer Avatar XD Gamer
    December 7, 2018

    Mr. Manny Solana, California Home Solutions, just wanted to thank you for giving me the opportunity to put behind a terrible time in my life. I’m not out of the... read more

    Bob Warner Avatar Bob Warner
    December 4, 2018

    Manny and Espy at California Home Solution are amazing! They are efficient and work at a rapid pace. I felt very comfortable from the beginning with them and realized that... read more

    Justin U Avatar Justin U
    October 19, 2018

    Manny Solana and his lending team are excellent! Super responsive and fast! They actually pick up the phone when you call and even call after closing.....I highly recommend Ca Home... read more

    Liz DeMello Avatar Liz DeMello
    April 5, 2018
  • Manny is top notch in my opinion. I needed help with some credit issues and Manny was more knowledgeable about resolving the situation and trustworthy than any resource you're... read more

    William Snodgrass Avatar William Snodgrass
    November 16, 2017

    There are not enough words to describe how wonderful this company is. The team is hard working, always ready to go the extra mile to make sure you receive the... read more

    Wendy Morse Avatar Wendy Morse
    September 25, 2017

    Manny did one of my refi's years ago and it was one of the smoothest transactions I experienced. Personable and easy to work with.

    Henry Romero Avatar Henry Romero
    June 29, 2017

    Manny Solana, the principle, has a tremendous awareness of the mortgage business. He was a C.P.A. and also has a financial background. I trust him implicitly. I've worked with California... read more

    DataNet Consultants Avatar DataNet Consultants
    June 29, 2017