California Mortgage Solutions is an independent mortgage broker in San Luis Obispo. We take your file to a panel of lenders instead of one.
A short set of questions, then a loan officer looks at which programs could fit.
No credit pull to get started. No obligation. We use your answers to work on your loan. See our Privacy Policy.
A short set of questions, a little different for each one. A loan officer reads your answers.
Buying a home
A seller may ask to see a pre-qualification letter with your offer.
How buying works, step by step
Refinancing
After costs, not before. Sometimes the answer is that refinancing does not pay.
How we work out whether it pays
Taking cash out
A remodel, a second property, or paying off debt that costs you more than a mortgage does.
What a cash-out refinance does
It shows up in three places, and not on straightforward files.
If its guidelines say no, the next step is a new application at another lender. A broker can take the same file, and the documents you already gathered, to another lender on its panel.
The loan officer who takes your application keeps working on it through underwriting.
Jumbo loans above the county's conforming limit, CalHFA for first-time buyers, VA and CalVet for veterans, and USDA where USDA's map allows it.
A loan officer can look at which one fits with you.
Backed by a federal agency: the FHA, the VA or USDA Rural Development.
The state's own help for first-time buyers and veterans, placed through approved lenders.
Not insured by a government agency. Jumbo and adjustable-rate loans can be written this way too.
Qualified on the property's rent or on bank statements, for files agency rules do not fit.
Short-term money, bank or private, repaid by a sale or a refinance, and mortgages that pay for the work a home needs.
Land and lots, building, adding and buying income property, each on its own kind of loan.
California Mortgage Solutions is an independent mortgage broker based in San Luis Obispo. Each license number below is on a public record you can check.
The FAQ answers the common questions, and the contact page lists our hours.
Quoted from our Google profile with each reviewer's permission.
“Working with Vic at California Mortgage Solutions has been an absolute pleasure. He's a true professional—knowledgeable, responsive, and always goes the extra mile to deliver. I highly recommend to anyone looking for a trusted mortgage expert they could build a long lasting relationship with.”
“Working with Vic was such a pleasure! He helped us tremendously and made a potentially stressful event like buying a home more manageable. He was very knowledgeable, responsive & thorough. Highly recommended!”
“When I moved to the area I needed a loan. A friend of mine referred me to Vick. I’m so glad they did. Vick was very easy to work with and answered all my questions. When it comes to money, it’s hard to find someone that make you comfortable. Vick is that person. Thank you Vick.”
Based in San Luis Obispo, working across the county and the towns just south of it.
A few questions now, and a loan officer looks at which programs could fit.
No credit pull to get started. This is not a commitment to lend. Equal Housing Opportunity.
