The California Home Solution, Inc Team
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.
Homebuyers
See how much you qualify for in today’s market.
Get Started →
Today’s Rates
See if the time is right for you to purchase or refinance.
Get Started →
Refinance
We can help you lower your rate or take cash out.
Get Started →
Loan Programs
Learn about different types of home loans.
Get Started →
Your top mortgage questions, answered
What are the different types of mortgage loans available?
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.
What is the difference between a fixed-rate and adjustable-rate mortgage?
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.
What is the difference between pre-qualification and pre-approval for a mortgage loan?
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.
Can I get a mortgage loan with bad credit?
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.
Ask A Question
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 to being as knowledgeable and effective as Manny. He really knows the ins and outs of the loan process. He is reassuring and moves the process along seamlessly. He and his assistant Henry make a great team. They are trustworthy and a pleasure to work with. They will work hard for you, and you will end up with the best loan terms possible.
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 in 2020. I really appreciate their punctual efforts and dedication. Thank you so much for everything.
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
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 of the way. He was not only knowledgeable and professional, but also genuinely cared about getting us the best possible deal.
Manny worked tirelessly to secure our loan, made sure we got the lowest interest rate available, and protected our credit throughout the process. He explained everything clearly, was always available to answer questions, and made us feel confident and supported the entire time.
Honestly, without Manny’s help, there’s no way we would’ve been able to get the loan and buy our first home. We’re incredibly grateful and would 100% recommend him and this company to anyone looking to buy a home!
From the bottom of our hearts, thank you Manny, for makings us homeowners in LA!
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
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 project a firm stance when necessary.
One great advantage of working with Manny is that he serves as both the realtor and the lender. This dual role helps streamline the approval process. For instance, we had to make changes to the unpermitted units as required by Fannie Mae, which were not reflected in the appraisal.
Manny also created a financial strategy that allowed us to keep our existing home as a rental while purchasing a new one, a significant advantage for our future.
The team at California Home Solution is exceptional. Danielle, our processor, efficiently handled our loan processing. Patty Magana, our transaction coordinator, meticulously managed all the documents with Escrow, the listing agent, the seller, and us, ensuring we were well-represented on the realtor end. Thank you all for your unwavering commitment and exceptional contributions.
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 his team played a pivotal role in ensuring a smooth and successful closing process.
California Home Solutions demonstrated remarkable expertise and thoroughness in managing all the necessary paperwork and legal requirements. Their meticulous attention to detail and commitment to accuracy were evident at every step, ensuring that all documents were meticulously prepared and in perfect order.
Throughout the process, Manny was incredibly responsive and proactive. He kept us informed of every development, promptly addressing any questions or concerns we had. His communication skills and professionalism instilled confidence and reassurance, knowing we were in capable hands.
One of Manny's standout qualities is his adeptness in navigating and resolving any challenges that arose during the closing process. He handled everything with grace and efficiency, ensuring a seamless closing experience.
Their dedication to providing exceptional service was truly remarkable. Manny and his team exceeded expectations to ensure a successful closing.
We highly recommend Manny and his team to anyone seeking a skilled and reliable real estate agent. Their expertise, professionalism, and unwavering commitment to client satisfaction are unparalleled. Thank you, Manny, for your outstanding work and for making the closing of our property a seamless and enjoyable experience!
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 and friends with their loans for almost a decade. We will only work with California Home Solution.
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 solution to my home purchasing needs. If there is a way, Manny will find it. The personal touch that California Home Solution lends to the already stressful home purchasing process made this experience a delight. I would recommend California Home Solution (and I have) to all that I know and more specifically to entrepreneurs who may have more specific needs/requirements. I never write reviews, and if you are reading this, you should absolutely connect with them. If anyone can help, it's California Home Solution.
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 standard loan. Manny is very friendly, he is always a pleasure to talk to.This company is a real gem. If you found this company, your lucky. It's rare and not common these days. Realtors, take note. Get to know Manny, he'll close your clients deals when other won't. Manny will simply out work any one else. With much appreciation, than you!
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 shared it was impossible. Manny did the impossible from the moment I called him after searching in distress. He shared what we would need and keep assuring he would figure it out. I thank him so much for his perseverance and asking the right questions and working so hard with a smile. Thank you so much!
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 it around successfully, and in record time. He fought through some big hurdles, but his professionalism, sense of urgency, and tireless effort never ceased . Manny saved me from losing my home. I would highly recommend him and his team. Manny will find a solution.
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 and I truly consider him as a friend, he just has that kind of personality.
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 minutes he was reassuring me that he could and would be able to assist me and make it happen in the necessary time frame. True to his word he did exactly that. We worked together over couple of weeks and not only did our loan close within 30 days, but he negotiated on our behalf and additionally saved us a substantial amount of money.
Today, I am able to relax a little as my husband and I are truly in a much more secure financial position. Thank you Manny for all of your assistance.
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 energy to help you .
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 Manny Solana, and he was there helping throughout the process until I've got everything approved and I just moved to my new home.
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 for your home financial needs. You will be glad you did.⭐️⭐️⭐️⭐️⭐️
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 woods yet but have a map to face me in the right direction.
Your ability to kick me in that direction is just the beginning. Soon I will no longer wake up at 3am worried about creditors, work, marriage, home and family. I won’t feel sorry for myself as a result of stupid decisions made in frustration.
Just a start but you were able to keep me focused on getting this loan done (and while I was dealing with adversity). You made it a quick and painless process. You have an excellent financial mind and know what to do in special situations. I hold your advice in high regard.
Thanks for the vision.
Sincerely
Robert Warner
Robert Warner Process of Service
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 they actually cared about my family. They remind me of the "old school" brokers where they get to know their clients and customize their work around the client's needs. They don't just follow a "template". Manny used to be a CPA as well so he brings that knowledge to the table which is huge when it comes to understanding all of the financials needed. If you're looking to get a home loan, and go through a comfortable process (not stressful), I highly recommend California Home Solution.
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 Loan Solutions......call them first! Liz DeMello, Realtor....client
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 going to find online. He was immediately willing to offer his advice and help and really assisted in resolving my situation quickly. After having him look into my situation I was so relieved to find that it wasn't nearly as bad as I thought, but regardless he was ready to jump in there and make recommendations to help improve things quickly. I highly recommend Manny and am truly grateful to God that he was put in my life and helped me with what would have been a stressful situation. Thank you Manny
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 best loan suited to your needs. They are kind, caring, honest and genuine. I have nothing but praise for California Home Solutions.
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
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 Home Solution for about 16 years. They helped me to refinance twice and to get my Home Equity Line (HELOC).
DataNet Consultants
June 29, 2017