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For informational purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Payments are quoted principal and interest with mortgage insurance if applicable, taxes and insurance are not included in payment estimation. Your payment obligation may be higher.
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Discover Mortgage Loan Options with Summit Lending in California

Explore a wide range of mortgage solutions tailored to your needs in California. From home buying to refinancing, Summit Lending is here to help you achieve your dreams.
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Tailored Loan Solutions for Every Need

Your Trusted Mortgage Partner in California

At Summit Lending, we understand the unique needs of California residents when it comes to securing the right mortgage. Whether you're buying your first home in bustling Los Angeles, refinancing a property in San Francisco, constructing a custom home in San Diego, or investing in commercial real estate in Sacramento, our comprehensive loan options are designed to help you succeed. California’s diverse real estate market, with its high demand and competitive pricing, makes finding the right financing crucial. Our team of experienced brokers offers personalized guidance, competitive rates, and access to government-backed programs to make homeownership and investment more accessible. Trust Summit Lending to navigate the complexities of the California housing market and secure the best loan for your goals.

Explore Our Comprehensive Mortgage Loan Options in California

At Summit Lending, we are committed to providing California residents with a variety of mortgage loan programs tailored to diverse financial situations and aspirations. Our mission is to offer the best financing solutions, ensuring that you can achieve homeownership, refinance for better terms, build your dream home, or invest in commercial properties without undue stress. With over 50 years of combined experience, our team is ready to guide you through the intricacies of the California real estate market. Below, we’ve outlined the primary types of mortgage loans we offer, with detailed insights to help you make informed decisions.

Purchase Loans for Home Buying in California

Buying a home in California, whether in the urban sprawl of Los Angeles or the scenic landscapes of Northern California, is a significant investment. Summit Lending is here to simplify the process with our purchase loans, designed for individuals and families seeking primary residences, vacation homes, or investment properties. We collaborate with a wide network of lenders to secure competitive interest rates and flexible terms that align with your budget and lifestyle.

Our team offers specialized support for first-time homebuyers navigating California’s competitive market, guiding you from pre-approval to closing. We also assist with down payment options, including low-down-payment loans and government-backed programs such as FHA, VA, and USDA loans, which are particularly beneficial in high-cost areas like the Bay Area or Orange County. To explore our offerings further, visit our Purchase Loans page.

Refinance Loans to Save Money in California’s Dynamic Market

Refinancing your mortgage can be a strategic move to lower monthly payments, reduce interest rates, or tap into home equity for other financial needs, especially in California where property values often appreciate rapidly. Summit Lending offers a range of refinance loan options to help you achieve your financial goals. Whether you’re looking to shorten your loan term, switch from an adjustable-rate mortgage (ARM) to a fixed-rate mortgage, or cash out equity for renovations or debt consolidation, our experts will find the right solution for you.

Given California’s fluctuating interest rates and high cost of living, refinancing can save you significant amounts over the life of your loan. Our experienced loan officers analyze your current mortgage, assess market conditions, and provide transparent advice to ensure refinancing benefits you. For more information, check out our Refinance Loans page.

Construction Loans for Building Your Dream Home in California

California’s diverse geography and vibrant communities make it a prime location for building custom homes or undertaking major renovations. Summit Lending offers construction loans to finance your project from the ground up, whether you’re building in the coastal regions of Santa Barbara or the inland areas of the Central Valley. These loans provide funding in stages as construction progresses, ensuring you have the necessary capital at each phase.

We also offer guidance on construction-to-permanent loans, allowing a seamless transition from construction financing to a long-term mortgage once your project is complete. Our team collaborates with builders and contractors to streamline the process, offering competitive rates and flexible terms. Learn more by visiting our Construction Loans page.

Reverse Loans for California Senior Homeowners

For California homeowners aged 62 and older, a reverse mortgage can provide financial flexibility by accessing home equity without monthly mortgage payments. Summit Lending offers reverse loans, also known as Home Equity Conversion Mortgages (HECM), enabling seniors to convert a portion of their home equity into cash. This can supplement retirement income, cover medical expenses, or enhance quality of life in retirement hotspots like Palm Springs or San Diego.

Our team is dedicated to educating seniors and their families about the benefits and considerations of reverse mortgages, ensuring informed decisions. We explain eligibility requirements, repayment options, and potential impacts on your estate, especially in California’s high-value real estate market. For detailed information, visit our Reverse Loans page.

Commercial Loans for Business and Investment Properties in California

California’s economy is a powerhouse, making it a prime location for commercial real estate investments or business expansions. Summit Lending provides commercial loan programs for purchasing office buildings, retail spaces, warehouses, or multi-family properties in cities like San Francisco, Los Angeles, or Sacramento. Our tailored solutions come with competitive rates and flexible terms to support your business objectives.

Understanding the complexity of commercial financing, our experienced brokers simplify the process from application to closing. We ensure you secure the funding needed to grow your portfolio in California’s competitive market. For more details, explore our Commercial Loans page.

Why Choose Summit Lending for Your California Mortgage Needs?

With numerous mortgage brokers and lenders available, Summit Lending stands out as a trusted partner for California residents. Here’s why clients trust us with their mortgage financing:

  • Extensive Experience: Our team boasts over 50 years of combined experience, equipped to handle complex loan scenarios in California’s unique market.
  • Personalized Service: We take time to understand your specific financial situation and goals, offering customized solutions.
  • Diverse Loan Products: From purchase and refinance loans to construction, reverse, and commercial loans, we cover every need.
  • Transparent Process: We prioritize clear communication, ensuring you understand every step of the mortgage journey.

Government-Backed Loan Programs for California Residents

Summit Lending proudly offers government-backed loan programs to make homeownership more accessible in California, where housing costs are among the highest in the nation. These programs often feature lower down payments and flexible credit criteria, ideal for first-time buyers or those with limited resources. Popular options include:

  • FHA Loans: Insured by the Federal Housing Administration, these loans require as little as 3.5% down and have lenient credit standards, perfect for first-time buyers in high-cost areas like San Jose.
  • VA Loans: Available to eligible veterans and active-duty service members, VA loans offer 100% financing with no private mortgage insurance (PMI), a great option for military families in bases across California.
  • USDA Loans: Designed for rural and suburban buyers, USDA loans provide zero-down-payment options for qualifying properties in less urbanized areas like parts of the Central Valley.

Our team will help determine your eligibility for these programs and guide you through the application process to secure the best terms. According to the California Association of Realtors, government-backed loans accounted for a significant portion of home purchases in 2022, especially among first-time buyers facing affordability challenges.

Understanding Mortgage Rates and Terms in California

Mortgage rates and terms are critical factors when choosing a loan, especially in California where market conditions can vary widely between regions. Rates depend on factors like your credit score, loan type, and lender policies. At Summit Lending, we work with multiple lenders to secure competitive rates for our clients. Use our Loan Calculator to estimate monthly payments and understand the long-term cost of your loan.

Loan terms typically range from 15 to 30 years for fixed-rate mortgages, while adjustable-rate mortgages (ARMs) may offer lower initial rates with potential changes over time. In California, where home prices often exceed the national average, choosing the right term can significantly impact affordability. Our loan officers explain the pros and cons of each option to align with your financial plans. Recent data from Freddie Mac indicates that California mortgage rates have fluctuated in 2023, emphasizing the importance of locking in favorable terms with expert guidance.

California’s real estate market is known for its high demand, limited inventory, and elevated prices, with median home values in 2023 often surpassing $800,000 in major metropolitan areas, according to Zillow. This environment poses unique challenges for buyers and investors, from bidding wars in Silicon Valley to stringent zoning laws for construction projects in coastal regions. Summit Lending understands these dynamics and offers strategic advice to help you succeed.

For instance, first-time buyers can benefit from our expertise in identifying down payment assistance programs specific to California, such as those offered by the California Housing Finance Agency (CalHFA). Investors seeking commercial properties can rely on our knowledge of local market trends to secure financing that maximizes returns. Our goal is to turn California’s challenges into opportunities for you.

Get Pre-Approved for Your California Mortgage Today

Before embarking on your home search or construction project in California, getting pre-approved for a mortgage is essential. Pre-approval clarifies how much you can borrow and demonstrates to sellers and builders that you’re a serious buyer—a critical advantage in California’s fast-paced market. Summit Lending streamlines the pre-approval process, assisting with documentation and delivering quick, reliable decisions. Learn more on our Pre-Approval page.

Contact Summit Lending for Personalized Mortgage Solutions in California

Ready to take the next step toward homeownership or financial freedom in California? Summit Lending is here to assist. Whether you’re interested in a purchase loan, refinance, construction loan, reverse mortgage, or commercial financing, we have the expertise and resources to make it happen. Don’t let the complexity of California’s mortgage landscape deter you—let us guide you through every step.

Contact us today to speak with one of our experienced loan officers. Reach us by phone at 385-200-1470, via email at [email protected], or visit our office at 305 E Main Street Suite 202, Tremonton, UT 84337. You can also fill out a contact form on our Contact Us page to get started. For additional insights on mortgage financing, check out our Blog.

At Summit Lending, we’re more than just a mortgage broker—we’re your partner in achieving your dreams in California. Though based in Utah, we are expanding our reach and are committed to serving clients across new regions with the same dedication. Reach out today and experience the Summit Lending difference!

Frequently Asked Questions

Everything you need to know about home mortgage loans in California
Which home loan is right for me?

Your ideal loan depends on several factors like your financial situation, long term goals, and risk tolerance. Fixed rate mortgages offer stability, while adjustable rate loans may save you money initially. Government-backed options can be great for those with lower credit scores. At Summit Lending, we’ll guide you through the options to find a perfect fit.


What are my loan options as a first time home buyer?

Is it possible to receive a home mortgage loan if I have bad credit?

Are there home loans for renovation available? 

How can I monitor interest rates for loans today? 

What information do I need to submit to apply?
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Summit Lending

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