20+ California mortgage programs · One direct lender
California Mortgage Loan Programs
Save Financial offers every major California mortgage program — purchase, refinance, equity, and investor — under one roof. We work with 40+ wholesale investors which means we can match each borrower to the loan that delivers the lowest total cost. Whether you're a first-time buyer in Bakersfield, a self-employed Bay Area entrepreneur, or a real estate investor scaling beyond 10 properties, we have a program that fits.
Purchase Loans
Home Purchase Loans
Conventional, FHA, VA, jumbo — every California purchase loan in one place.
Explore →First-Time Home Buyer
3% – 3.5% down. CalHFA assistance available. Free credit consult.
Explore →Conventional
3% – 20% down. 620+ FICO. Best pricing for strong credit profiles.
Explore →FHA
3.5% down. 580+ FICO. Most flexible underwriting.
Explore →VA
$0 down for veterans and active military. No PMI ever.
Explore →USDA
$0 down in eligible rural California areas. No PMI.
Explore →Jumbo
Loans above $806,500 in most CA counties. Up to $20M.
Explore →Refinance & Equity
All Refinance Options
Rate-and-term, cash-out, FHA streamline, VA IRRRL — every option.
Explore →Rate-and-Term Refi
Lower your rate or shorten your term. No cash out.
Explore →Cash-Out Refinance
Tap up to 80% of your home's equity in cash.
Explore →HELOC
Variable-rate line of credit. Draw as needed.
Explore →HELOAN
Fixed-rate second mortgage. Lump sum at closing.
Explore →Reverse Mortgage
HECM for California homeowners 62+. No monthly payment required.
Explore →Investor & Specialty
DSCR
Qualify on rental income, not personal income. LLC vesting allowed.
Explore →Investment Property
Conventional and DSCR options for rentals.
Explore →Fix-and-Flip
10-day close. Up to 90% LTC + 100% rehab funding.
Explore →Non-QM
Alternative documentation. Bank statements, P&L, asset-based.
Explore →Bank Statement
12-24 months of deposits in lieu of tax returns.
Explore →Asset-Based
Qualify on liquid assets. Ideal for retirees and HNW.
Explore →ITIN
For California borrowers without an SSN.
Explore →BRIDGE
Bridge Loans
Short-term financing for move-up buyers and fix-and-flip investors. Up to $3M, 5-14 day close.
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COMMERCIAL
Commercial Loans
5+ unit multifamily, office, retail, industrial, and mixed-use financing. $500K-$25M.
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CONSTRUCTION
Construction Loans
Single-close construction-to-permanent financing for new builds, gut renovations, and ADUs.
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DEBT CONSOLIDATION
Debt Consolidation Mortgages
Roll high-rate credit cards, auto loans, and personal debt into one low-rate mortgage payment.
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P&L STATEMENT
P&L Statement Loans
Self-employed mortgages qualifying on CPA-prepared profit and loss statements without tax returns.
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Not sure which program is right for you?
Tell us your situation in 60 seconds — we'll match you to the right loan and quote a rate before you spend an hour with a bank.