Home Loan
This page will lead you to our free New Home Loan Quote form. Fill it out and in one to two days you will receive a loan quote from a licensed mortgage …

Second Mortgage This will take you to a Second Mortgage Quote form. Apply and in one to two days you will receive a loan quote from a licensed mortgage …

Refinance Here’s a form you may find helpful, of course, if you have additional mortgage questions, just fill it out and a mortgage professional will help you …

Home Improvement A Home Improvement Loan quote form to better serve you and your needs. Fill it out today and receive a loan quote free …

Debt Consolidation Consolidate your debts and reduce the interest rates on credit card accounts, apply now for a free debt consolidation loan quote …

Affordability The first question you need to answer is “How much house can I afford”. Home ownership is within most consumers’ reach. And the first step …

House Hunting Hmmm…single-family or maybe a condominium, oh but is that home in the right school district? These are just a few questions …

Qualifying Before you go looking for a home, you may want to consider getting pre-qualified to reassure yourself that you will be financially able to get a …

Make an Offer
When you find the perfect house and neighborhood you want, you may want to make an offer. Before submitting your offer, consider the …

Fixed Loans
With a fixed-rate mortgage, your monthly payments remain the same throughout the life of the loan ….

Adjustable Loans Adjustable rate mortgages (ARM) offer lower initial interest rates than fixed-rate mortgages. But after an initial period, those rates are adjusted to follow the …

Other Loans Many lenders offer a variety of mortgage programs for home buyers with special circumstances, particular requirements, or specific qualifications …

Loan Preparation Applying for a mortgage loan may seem stressful and overwhelming. However, being prepared can bring less stress throughout the loan process …

Closing The “closing” is when the final loan documents are signed, and the mortgage funds are paid out. Once your loan is approved and cleared for closing, you …

Rates & Points Mortgage rates are sensitive to inflation fears. When available money outweighs available goods or services, inflation occurs. The Federal Reserve Board …

New Home Loan
For more information on New Home Loans, including affordability, house hunting tips to closing information …

Second Mortgage Borrowing against your home equity to get extra cash, pay off bills, pay for a child’s education, take a vacation and …

Refinance Here are some questions and answers you may find helpful. Of course, if you have additional mortgage questions, just …

Equity Loan A Home Equity Loan takes your home equity, which is the net value of your home that you own outright. Basically, it’s the …

Home Improvement A Home Improvement Loan combines home purchase or refinance with home improvement financing, and is for borrowers who are …

Debt Consolidation Consolidate your debts and reduce the interest rates on credit card accounts, vehicle financing, and other unsecured debt …

Your Credit Report When you apply for a home loan or refinance loan your prospective broker / lender reviews your credit report. This is why you should check …

Credit Info When you order your credit report, keep in mind that everyone, at one time or another, has had trouble making a payment on time. Late payments …

Credit Q’s & A’s Here we answer many questions consumer’s had about their personal credit issues, read more to find your answers too …

Credit Fraud & Inaccuracies Unfortunately today identity theft is on the rise. Here are some things you can do to safeguard your credit …

Taxes & Homeownership Mention taxes, and most people will are immediately stressed. Mention tax benefits, however, and you will probably get a happier …

Taxes & Insurance What do property taxes cover? Which closing costs are tax-deductible? Get answers to these and many other questions …

Assessing Taxes In some states, the local tax assessor determines the assessed value of a property, and uses that value to calculate the amount of tax to be paid …

Seller Taxes Your selling a house and your going to sell it for more than you owe. Tax wise, what does this mean? Will this hurt you or will you be able to benefit …

Loan Preparation Applying for a mortgage loan may seem stressful and overwhelming. However, being prepared can bring less stress throughout the …

Income Documentation There will be specific income information needed in order to process your mortgage loan with a mortgage lender. You will need …

Asset Documentation You will need to be able to prove any personal assets that may help in obtaining your home loan. Personal assets are …

Other Documentation The most recent statement or payment booklets for present creditors, which should include name of creditor, addresses, account number and …

Mortgage Calculators These seven California home mortgage loan calculators will help in determining your financial needs and pave the way for a quicker home loan process …

Glossary Do you need to know what a specific term means or a definition of a particular mortgage-related word, then use this glossary …

Use our quote form, a mortgage feature on California Mortgage & Home Equity Loans, Co. to locate a lender in your area offering the mortgage product that best suits your needs. The independent lender you select will work with you to help find a low-cost mortgage that meets your needs. Apply today!