California Mortgage Solutions
What we do

The services around the loan, each explained

California Mortgage Solutions, a mortgage broker in San Luis Obispo County, explains four services here: the letter that goes with an offer, down payment assistance, investor loans, and how we shop a file.

The four services

Each page answers the question people arrive with, and links the loan programs it touches.

Before you make an offer

Mortgage pre-approval and pre-qualification

What a listing agent wants to see with your offer, and how we write it.

  • Pre-qualification and pre-approval are two names for one kind of letter
  • What our pre-qualification letter says, and what it does not
  • What a listing agent looks for

First-time buyers

Down payment assistance

The state and local programs a first-time buyer here can pair with a first mortgage, and how.

  • What down payment assistance is
  • CalHFA's MyHome Assistance Program
  • GSFA's Platinum Program

Investors

Investment property loans

Which investor loan fits which situation, from a rental that carries itself to a building of more than four units.

  • A rental that carries itself: a DSCR loan
  • A buyer whose own returns qualify: a conventional loan
  • A renovation to resell: a fix-and-flip loan

Broker, not a bank

How we shop your loan

What happens between your application and a lender, and why shopping a loan needs no published rate.

  • A broker arranges credit, and a lender funds it
  • A brokerage works with a panel of lenders, each with its own guidelines
  • Your loan officer reads the file against lenders' guidelines

Tell us what you are trying to do

A few questions, and a loan officer looks at which programs and which help could fit.

No credit pull to get started. This is not a commitment to lend. Equal Housing Opportunity.