Looking for a mortgage lender in California? AD Mortgage is a Top 5 U.S. Wholesale Lender, offering a wide range of solutions
California is a large, high-cost market that requires brokers to offer flexible mortgage solutions. Local markets demand different approaches, and major metros – Los Angeles, San Diego, San Francisco, San Jose, Sacramento – each have their own housing dynamics and borrower profiles.
AD Mortgage’s national wholesale infrastructure and a wide range of mortgage solutions assist partners in navigating even complex scenarios. California deals often involve high home prices, jumbo loan amounts, condos, HOA costs, ADUs, and investment properties – making choosing the right solution a challenge.
AD Mortgage has been serving California mortgage brokers for years. With our diverse program portfolio, our partners can meet the needs of a wide range of borrowers, including first-time buyers, high-income professionals, tech workers, self-employed borrowers, investors, and luxury-home clients, while receiving consistent wholesale support.
California mortgage loan programs from AD Mortgage are competitive solutions that offer fast turnaround times and flexible terms, helping partners provide an efficient path to homeownership for their clients
Close DSCR loans with fast turn times
A perfect fit for self-employed borrowers
An affordable financing option with standard requirements
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Choose from 1-0, 2-1, and 3-2-1 options to help borrowers lower their initial monthly payments.
For primary and 2nd home purchases on 30-Year Fixed Super Prime, Prime, AD Power Jumbo & Fixed Conventional. 
AD Mortgage is a licensed lender in California and coast to coast, helping mortgage originators efficiently address industry challenges affecting California.
California’s housing market features several state-specific regulations and property considerations that can influence affordability and the overall cost of homeownership:
California property taxes are primarily governed by Proposition 13, which generally limits the base property tax rate to 1% of the assessed value plus additional local assessments and voter-approved charges.
For most properties, assessed values can increase by no more than 2% annually until a change in ownership occurs. When a home is purchased, the property is typically reassessed based on the new purchase price, which can result in higher property taxes for buyers.
Eligible homeowners may receive a Homeowners’ Exemption, reducing the assessed value of their primary residence by $7,000 for property tax purposes.
Several down payment assistance programs are available in California, mainly through the California Housing Finance Agency (CalHFA):
Disclaimer: Mortgage rates, program availability, and state regulations are subject to change and may vary by lender, borrower eligibility, and location. This information is provided for general educational purposes only and is not intended as legal, tax, or financial advice.
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What is the Trusted Mortgage Lender in California?
Finding a trustworthy wholesale lender that offers a wide range of programs and has a convenient flow is a challenge. AD Mortgage is the Lender of Choice, trusted by brokers and loan originators from coast to coast. We are among the Top 5 trusted lenders in the U.S., according to MPA’s survey of mortgage professionals.
What is the Best Mortgage Rate Right Now in California?
Mortgage rates change frequently and vary by credit score, LTV, occupancy, loan program, property type, market conditions, and lender pricing. To check the rates for your client scenario, use the Quick Pricer, a free loan calculator.
Can You Buy a House in California without a Down Payment?
Yes. Eligible borrowers can qualify for USDA or VA loans that offer 100% financing. Additionally, California offers down payment assistance programs that can help cover a portion of the down payment and closing costs for qualified homebuyers.
Is It a Good Time to Buy a House in California?
California’s housing market varies significantly by region. While high home prices and interest rates continue to affect affordability, increasing inventory and flexible mortgage solutions create opportunities for prepared buyers. Local market conditions and borrower goals remain key factors when deciding when and where to buy.
Are Property Taxes Included in a Mortgage in California?
Often, property taxes are included in mortgage payments and paid through an escrow account managed by the loan servicer. Eligible homeowners may also qualify for the California Homeowners’ Exemption, which reduces the assessed value of their primary residence for property tax purposes.
Why are Jumbo Loans Common in California?
Many California markets feature higher property prices that exceed conventional loan limits. Jumbo financing is a popular option for borrowers purchasing high-value properties in high-cost areas, such as the Bay Area, Los Angeles, and coastal communities.
What is the First Step in Getting a Mortgage in California?
The first step is reviewing the borrower’s financial situation, strategic financial goals, and eligibility requirements to identify the most suitable mortgage solution. AD Mortgage’s partner brokers can use Quick Pricer Pro within the AIM Partner Portal to evaluate the scenario and compare different loan options.
What First-Time Homebuyer Programs are Available in California?
Several first-time homebuyer programs are available in California, including the CalHFA FHA Loan Program, CalHFA Conventional Loan Program, MyHome Assistance Program, and CalHFA Zero Interest Program (ZIP).
How Much Money is Needed to Buy a House in California?
In 2026, the median house value is $775,549 in California, but prices vary significantly by location. Our recent study compares affordability of homeownership in different cities in each state. In California, a household needs 37.1 years to save for a 15% down payment in Los Angeles at an average annual savings rate of 4.6%, compared to 16.7 years in Fresno.
Can Self-Employed Borrowers Get a Mortgage in California?
Yes, self-employed borrowers can get a mortgage in California. For borrowers with complex income situations, Non-QM programs, including bank statement loans, can provide flexible financing options when traditional qualification methods may not apply.
How Much are Closing Costs on a $700,000 House in California?
In California, closing costs typically range between 2% and 5% of the purchase price, which equals approximately $14,000 to $35,000 for a $700,000 house. However, exact costs depend on the borrower’s profile, property location, loan program, and lender requirements and should be evaluated individually for each scenario.
Who Pays Closing Costs in California for a Mortgage?
In California, closing costs are typically paid by the buyer, but some costs may be negotiated between the buyer and seller as part of the purchase agreement. Buyers may also use lender credits, seller concessions, or assistance programs to help cover eligible closing expenses.
What Credit Score is Needed to Buy a House in California?
Typically, borrowers can qualify with a FICO score as low as 580. However, the required credit score depends on the borrower’s credit history and overall profile, as well as program type, property, and lender guidelines.
How Do I Choose a Mortgage Lender in California?
When choosing a wholesale mortgage lender, explore feedback from other professionals. For example, AD Mortgage is a broker-voted lender chosen by over 1,000 experts in MPA’s survey. Additionally, we have a 4.8-star rating on Google with over 1,100 reviews.
What is a California Mortgage Lender License?
A California mortgage lender license allows companies to originate mortgage loans and operate as a lender in the state. Mortgage lenders must meet licensing requirements and comply with regulations overseen by agencies such as the California Department of Financial Protection and Innovation (DFPI) and the California Department of Real Estate (DRE). Read our article on becoming an MLO in California for more information.
How Do Brokers Submit a California Loan Scenario to AD Mortgage?
To submit a Scenario Request, fill out this form. Our managers will contact you within 30 minutes with a mortgage solution tailored to your client’s needs.
Does AD Mortgage Offer Non-QM Loans in California?
Yes. AD Mortgage is a Top Non-QM Wholesale lender, according to Scotsman Guide. Visit our Non-QM program page to explore the solutions we offer in California and coast to coast.
Can Investors Get DSCR Loans in California?
Yes. AD Mortgage offers DSCR mortgages with loan amounts up to $3 million. Explore the DSCR loan page for more details.
Does AD Mortgage Support Bank Statement Loans in California?
Yes. The 12/24 Month Bank Statement program by AD Mortgage is a flexible mortgage solution, offering loan amounts up to $4 million with DTIs up to 55% and CLTVs up to 90% on purchases.
Can AD Mortgage Help with California Condo Scenarios?
Yes. AD Mortgage offers mortgage solutions for warrantable and non-warrantable condos. Submit a Scenario Request to get a tailored solution for your case.
Does AD Mortgage Support California Jumbo Mortgage Scenarios?
Yes. AD Mortgage offers Jumbo loan programs with loan amounts up to $5 million and CLTVs up to 89.99%.
What California Cities Does AD Mortgage Serve?
AD Mortgage operates across the entire state of California, including major metros and rural areas.
Does AD Mortgage Work with Brokers in Los Angeles?
Yes. AD Mortgage works with brokers in Los Angeles and across other California markets.
Does AD Mortgage Work with Brokers in San Diego, San Francisco, and Orange County?
Yes. AD Mortgage works with mortgage originators in San Diego, San Francisco, Orange County, and across all California markets and coast to coast.
Does AD Mortgage Work in California?
Yes. AD Mortgage operates in California and coast to coast.
Is AD Mortgage a California Mortgage Lender?
AD Mortgage operates in 49 U.S. states, including California.
How Do I Become an AD Mortgage Partner in California?
Fill out the Broker Package to start working with an experienced lender and focus on your customers while we take care of the rest for you.
Does AD Mortgage Offer California Non-QM Lending Options?
Yes. AD Mortgage is recognized as a top Non-QM lender in the United States, offering a wide range of Non-QM options in California and coast to coast.
Does AD Mortgage Support California ITIN Mortgage Scenarios?
AD Mortgage offers ITIN loan programs with loan amounts up to $1.5 million.
Does AD Mortgage Support California Foreign National Mortgage Scenarios?
Yes. AD Mortgage offers several options for foreign nationals, including Foreign National DSCR and Foreign National Full Doc programs
