All California Mortgage has been helping clients with purchase and refinance loans for more than 25 years. Our knowledgeable, experienced professionals deliver transparent solutions and tools to help customers navigate the sometimes tricky world of mortgage lending and are committed to finding you a loan program based on your individual needs.
Since 1992, All California Mortgage has provided quality service in every area of mortgage lending. From purchase to refinance to construction and commercial lending and reverse mortgages, we have access to a full range of mortgage sources. Our lending specialists are dedicated to finding you a loan-with great rates, terms and costs to meet your unique needs.
Since 1992, All California Mortgage has provided quality service in every area of mortgage lending. From purchase to refinance to construction and commercial lending and reverse mortgages, we have access to a full range of mortgage sources. Our lending specialists are dedicated to finding you a loan-with great rates, terms and costs to meet your unique needs.
Services
Since 1992, All California Mortgage has provided quality service in every area of mortgage lending. From purchase to refinance to construction and commercial lending, we have access to a full range of mortgage sources. Our lending specialists are dedicated to finding you a loan-with great rates, terms and costs to meet your unique needs.
In addition to the satisfaction of being a homeowner, you can build equity, enjoy tax deductions, say "good bye" to paying rent and take control of your living environment. Whether you are a first-time home buyer, or are purchasing a new or second home, we have an assortment of tools and loan programs to meet your individual financing needs.
Home equity lines are adjustable rate mortgages that are typically tied to the Prime Lending Rate. They are usually positioned behind your first mortgage (i.e. as a second mortgage). A Home Equity Line of Credit is similar to a credit card. You can borrow money up to your credit limit, and you are only charged interest on the portion that you borrow.
A Tenancy in Common ("TIC") is a legal way of holding an undivided interest in real property, or more simply, allowing for a multi-unit building to be owned by multiple parties. With TIC agreements and financing, each party has exclusive use and ownership of their unit. There are several ways to finance TICs - group loans and fractional loans are the most common.
Private money, or 'hard money' lending, provides mortgage loans to borrowers who, for one reason or another cannot be approved for a mortgage through a conventional lending source. The loans are funded by private investors who want to earn interest income from trust deeds secured by real estate. Private money loans are generally made by companies that specialize in these types of loans.
Reviews (3)
Sydney M.
Oct 05, 2018
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Michael is absolutely fantastic at what he does. He is extremely knowledgeable and thorough and a pleasure to work with. He made us feel at ease immediately and was very attentive throughout the entire process. He continues to give us impeccable service by keeping us fully informed of industry updates and market condition. I feel valued as a client, and I highly value and recommend Michael to anyone in need of financing to purchase real estate.
Alex A.
Oct 05, 2018
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I don't post a lot of Yelp reviews. Generally if someone does a great job I just tell them and that's that. But this was different and so I feel compelled to post this.
This was (obviously) a big ticket item and I went out on a limb after getting a recommendation from someone I trust about Mike. I took the leap and I was rewarded. Big time.
I have bought some real estate through the years and have dealt with mortgage brokers a lot. There's a lot of money on the line and the last thing I want is to feel a) like I'm being 'sold' something and b) that I'm just
This was (obviously) a big ticket item and I went out on a limb after getting a recommendation from someone I trust about Mike. I took the leap and I was rewarded. Big time.
I have bought some real estate through the years and have dealt with mortgage brokers a lot. There's a lot of money on the line and the last thing I want is to feel a) like I'm being 'sold' something and b) that I'm just
Rose S.
Aug 28, 2018
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Michael helped me close on my first home back in June and I would 100% use him again for these reasons:
*Michael was available through all avenues of communication and was VERY quick in responding. Most of other lenders I attempted to deal with often times were slow to respond or only wanted to meet face to face. Michael was flexible for me and my schedule.
*Michael looked into different mortgage options for me and was detailed in explaining them to me.
*Michael is super friendly and was very helpful through the super stressful periods of this process. I also thought it was very significant of
*Michael was available through all avenues of communication and was VERY quick in responding. Most of other lenders I attempted to deal with often times were slow to respond or only wanted to meet face to face. Michael was flexible for me and my schedule.
*Michael looked into different mortgage options for me and was detailed in explaining them to me.
*Michael is super friendly and was very helpful through the super stressful periods of this process. I also thought it was very significant of
