About UsCalifornia Capital Mortgage and Realty is committed to offering the leading full range Mortgage and Real Estate Services available. With more than 100 years of combined experience our Mortgage and Real Estate professionals keep abreast of all the trends and changes within the industry to offer you the best possible home solutions available.
CalBRE #01001726 NMLS #358365 |
Specialize in: |
Reverse Mortgages:
Provide Financial Freedom No income requirements No credit needed Be 62 or more Easy to qualify based on your Equity, 55% Loan to Value Must be living in home as primary residence Must be able to pay homeowners taxes, Insurance and HOA if applicable No payments while you live in your home Always Retain Ownership of you home Financial Control with option of Making loan payment or not. FHA Loans: Low interest rates .5% Lower Mortgage Insurance since January 2015 3.5% Down Payment for Purchases 620 Minimum Fico Score – some lenders as low as 580 Cash-out up to 85% Loan to Value Streamline Refinances: No Appraisal Needed No Income Documentation No Cost Loan Conventional Loan: Conforming or JUMBO Loans Low Interest Rates 5% Down Payment Required on Purchases Primary Residence, 2nd Home or Investment No Mortgage Insurance required with 20% Down Payment or Equity Purchase, Rate & Term or Cash-Out Fixed Rate or ARM Loan Alt-A Credit OK: Reduced Doc 12 Months seasoning for Bankruptcy Short Sale or Foreclosure |