Cali Mortgage Lending Programs
We built our lending programs to give you big-lender pricing, speed, and flexibility — paired with the local, one-on-one guidance you won't get from a call center.
Two credit scores checked automatically, so you get the better rate
Same loan officer with you from application to closing
See your options in 60 seconds
What are you here to do?
What's available right now
No extra steps, no separate application, no hand-off to someone else.
Medical Professionals
Doctor Loan Program
Financing built around how medical careers actually work — even with student loan debt or a short employment history.
Rewards
Built-In Payment Rewards
On-time mortgage payments turn into real rewards through our Bilt partnership — the first program of its kind for mortgage servicing.
Limited Time
1-0 Temporary Rate Buydown
On eligible purchases, get a first-year payment that feels a full percentage point lower than your note rate — for a fraction of the typical cost.
Credit
Dual Credit Scoring
Alongside traditional FICO, we automatically run VantageScore too — and price your loan using whichever score works in your favor.
Home Equity
Standalone & Piggyback Equity Loans
Tap into your home's equity with a fixed rate and a predictable term — as a standalone loan or paired with your primary mortgage.
Speed
AI-Assisted Processing
Behind the scenes, our technology helps flag issues and move files faster — a big part of how we get loans cleared to close quickly.
The VantageScore Advantage
Say your standard credit report shows a 719 — but your VantageScore comes back at 762. Because we pull both automatically, we can price your loan off the higher score, which can mean a meaningfully better interest rate for the exact same loan.
Traditional FICO Score
719
VantageScore
Used for your rate
762
Local
California-based, not a call center
2
Credit models checked, automatically
1:1
Same loan officer, start to finish
7 Day
Recent refinance clear-to-close
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