Explore mortgage options with California Mortgage Advisors, Inc.
Your premier mortgage lender located in San Rafael, California. Our highly experienced loan officers take pride in finding each of our customers the most competitive rate available for their home financing needs.
Your top mortgage questions, answered
Common types include conventional loans, FHA loans, VA loans, USDA loans, fixed-rate mortgages, and adjustable-rate mortgages. Each type has its own eligibility requirements, benefits, and drawbacks.
A fixed-rate mortgage has a constant interest rate throughout the loan term, leading to predictable monthly payments. An adjustable-rate mortgage (ARM) has an interest rate that can change periodically, causing fluctuations in monthly payments.
Pre-qualification provides an estimate of how much you might be able to borrow based on the information you provide. Pre-approval involves a more thorough review of your financial situation and credit history, resulting in a conditional commitment from a lender.
While it may be more challenging to qualify for a mortgage loan with bad credit, there are still options available. Government-backed loans like FHA loans may have more flexible credit requirements, and some lenders specialize in working with borrowers with less-than-perfect credit.
What our clients are saying
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My husband and I had been thinking about refinancing to free up some money. I contacted a few companies as I wanted to get multiple quotes. One of the companies... read more
Maria C.
This is an extraordinary company that I would recommend for anyone who wants to apply for a loan or refinancing. This company is working with you step by step to... read more
Adin D.
I’m so grateful I had Scott Baer at California Mortgage Advisors on my side. I had used California Mortgage Advisors before for standard refinances, but this time my new home... read more
Stuart Z.
We really enjoyed working with Jack Terrell and his team as our mortage broker. They made it extremely easy as they provided great advice and guidance through the whole... read more
Katherine A.
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I have been working with Jack Terrell and his team since I bought my house in 2000. He has always gone above and beyond to help me make the best... read more
Leila S.
Working with Robert Lee was an exceptional experience. His patience throughout the process, and speed to execute when needed was exceptional. Highly recommend!
Tim M.
Absolutely excellent. Will use again
R D.
I have used California Mortgage Advisors multiple times over the years and always feel they stay plugged in to the process every step of the way. Could not recomment... read more
Christopher C.
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I had a great experience working with my mortgage loan advisor from start to finish. They were knowledgeable, responsive, and made the entire loan process smooth and low stress. I... read more
Emily H.
I have completed many loans with Jack ( lost track of how many) and every time he has done a good job for me. He provides good advice and... read more
Kai C.
5 stars for Robert Lee at California Mortgage Advisors. He helped me with two refinances, and both were totally painless with zero out-of-pocket costs. Rob was incredibly responsive, always available... read more
S N.
I've refinanced with California Mortgage Advisors (Jack and Angela) twice and would highly recommend them to anyone looking for a reliable and trustworthy lender. They were incredibly kind, patient, and... read more
Katie M.
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Had a great experience with Scott Baer at California Mortgage. From the beginning Scott was very communicative and really was helpful in answering all of our questions about the... read more
Kim D.
Great working with Scott! It was my first time refinancing my mortgage, and everything went smoothly and easily. Would recommend to anyone.
Michal T.
Jack Terrel did an outstanding job refinancing my home mortgage. He is quick, efficient, and always on top of the best deals available in the market. He understands his clients'... read more
Narbeh A.
My mortgage broker Scott Baer was fantastic! He was so helpful through the stressful process of buying a home as a first time home owner but he made it a... read more
Marissa G.
