These California mortgage lenders can not only help you with first or second mortgages, including FHA, VA, conforming, jumbo loans and reverse mortgages (HECM), but they can also provide assistance if you're looking to refinance to a lower interest rate, in danger of foreclosure or are seeking debt consolidation services. If you are looking to switch from your adjustable rate mortgage (ARM) to a fixed rate mortgage, the professionals listed here will be able to help find you the best rate.

When you're a first time buyer, it's especially important to consider several options when choosing a lender, loan originator or mortgage broker. Getting the best $State interest rate and lowest closing fees is important, but you should also consider the total cost of your loan and the amount of interest you will pay over the life of the loan. A good loan officer will be able to help in every step of the residential loan process and even help you with California real estate contracts and title issues. Seasoned mortgage professionals will also know others in their field and help you find a real estate agent, a real estate attorney or other services to help you navigate the moorage loan process.

Residential and commercial lenders in California are listed here. Browse the companies in our directory for mortgage rates in California and use their convenient online mortgage calculators.

Mortgage professionals in the XSites Network have the ability to do your home loan on the web with a secure 1003 application and technology to even sign documents online. This gets your loans closed faster and with less cost.

(If you're a Lender, click here to find out more about XSites and how they help your business.)