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.
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.




