Home Loans in California
From the coast to the Central Valley, California's housing market is one of the most competitive in the nation. Star Financial helps California buyers and homeowners move fast with a direct-lender advantage and in-house underwriting.
California market snapshot
- Higher home values mean jumbo and high-balance financing are common across California metros.
- Strong demand makes a verified pre-approval essential to compete on offers.
- Self-employed and investor borrowers are well-served by our Non-QM and DSCR programs.
Homebuyer information
- California offers down payment assistance through several state and local programs.
- First-time buyers may combine FHA financing with assistance for down payment and closing costs.
- Property taxes and insurance vary widely by county — we help you budget the full payment.
Financing options for California buyers & homeowners
FHA Loans
Low down payment, flexible credit — great for first-time buyers.
Conventional Loans
Competitive pricing for borrowers with stronger credit profiles.
VA Loans
$0 down financing for eligible veterans and active-duty service members.
Jumbo Loans
Financing above conforming limits for higher-priced homes.
DSCR Investor Loans
Qualify rental properties on cash flow — no personal income docs.
Bank Statement Loans
For self-employed borrowers who qualify on deposits, not tax returns.
HELOC & Cash-Out
Tap your equity for renovations, debt consolidation, or investments.
Down Payment Assistance
Programs that may help cover down payment and closing costs.
California home loan FAQs
What credit score do I need for a home loan in California?
Many California buyers qualify with a 580+ score on FHA programs, while conventional loans typically reward 620+ with better pricing. Star Financial reviews your full profile, not just the score.
How much down payment is required in California?
Down payments can be as low as 3.5% on FHA and 3% on some conventional programs. VA-eligible borrowers may qualify for $0 down. Down payment assistance may also be available.
How long does mortgage approval take in California?
As a direct lender with in-house underwriting and funding, Star Financial can often issue pre-approvals quickly and close many loans in a few weeks, depending on your scenario.
Can I qualify in California if I'm self-employed?
Yes. We offer bank statement, 1099, and profit-and-loss programs designed for self-employed borrowers who may not show full income on tax returns.
Is Star Financial licensed to lend in California?
Yes. Star Financial (NMLS #1429) is licensed to originate mortgages in California and across CA, TX, FL, CO, AZ, and ID.
Star Financial (NMLS #1429) is licensed in California by the DFPI (License #603C571) as a direct mortgage lender.
Get pre-approved in California
Connect with a licensed Star Financial loan officer for a fast, no-obligation review.
Licensed in CA, TX, FL, CO, AZ & ID · NMLS #1429