California Mortgage Loans, Compare 20+ Top Lenders, One Quote

OnPoint Mortgage Pro is a California-licensed wholesale mortgage brokerage based in Irvine. We shop your loan across twenty of the top wholesale lenders so you get the rate and program that actually fits, not whatever a single bank happens to be selling.

Lower rates by competing 20+ lenders, not just one
Pre-approval in as little as 24 hours
No origination fees on most loan programs
Approvals for credit scores from 580 (FHA) and up
Close in 21 days or less on qualified files

Question 1 of 10

Or call (877) 870-0007 if you’d rather talk to a person.

How a California Mortgage Works at OnPoint

Three steps. No surprise fees. No black-box pricing.

Tell Us About Your Loan

Spend 30 seconds on our intake form, purchase or refinance, ballpark loan amount, credit-score range, property type. No credit pull at this step.

We Shop 20+ Top Wholesale Lenders

Your file goes out to our panel of national wholesale lenders, the same lenders most retail banks use, but priced for brokers. We bring back the strongest rate and program match.

Close in 21 Days (Typical)

Lock your rate, sign disclosures, complete underwriting. Most qualified California purchase loans close in 21 days from full application. Refinances often faster.

California Mortgage Programs at a Glance

2026 California loan limits and program highlights.

Conforming Loan Limit (most CA counties)$832,750

Conforming Limit (high-cost CA counties)Up to $1,249,125

FHA Loan Limit (LA / OC / SF Bay)Up to $1,249,125

VA Loan, Down Payment$0 with full entitlement

Conventional Minimum Down3% (first-time buyers)

FHA Minimum Down3.5% (580+ FICO)

Loan limits set by FHFA and HUD for 2026; high-cost counties include Los Angeles, Orange, San Francisco, San Mateo, Marin, Santa Clara, Alameda, Contra Costa, and others.

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Rated 5 Stars by California Homeowners

Speak with a licensed California mortgage specialist today, no obligation, no pressure.

Call (877) 870-0007

☎ (877) 870-0007

Why California Borrowers Choose OnPoint Mortgage Pro

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Speed

Pre-approval in 24 hours. Most California closings in 21 days.

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20+ Lenders

We shop your loan across the full wholesale market, not one bank.

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Transparency

No junk fees. You see every line item before you sign.

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Local Experts

Headquartered in Irvine, CA. We know California county recording, escrow, and disclosure rules.

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Fully Licensed

NMLS #2134550. Licensed by the California DFPI (60DBO-140540).

Loan Programs Available in California

Eight core programs, from first-time buyer FHA to jumbo NON-QM. Tell us your scenario and we’ll match you to the right one.

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Conventional

Fannie Mae / Freddie Mac loans. 3% down for first-time buyers, 5% for repeat. No PMI at 20%+ down.

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FHA

3.5% down with 580+ FICO. CA county loan limits up to $1.25M in high-cost areas.

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VA

$0 down for eligible veterans and active duty. No PMI. No loan limit with full entitlement.

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VA IRRRL (Streamline)

Refinance an existing VA loan to a lower rate, no appraisal, no income docs, no out-of-pocket cost.

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FHA Streamline

Refinance an existing FHA loan to today’s rate with minimal paperwork. No appraisal required.

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Reverse Mortgage (HECM)

For California homeowners 62+. Tap home equity with no monthly payment requirement.

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Home Equity (HELOC / HELOAN)

Pull cash from your California home’s equity without touching your existing first mortgage.

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NON-QM

Bank-statement, asset-depletion, DSCR, and ITIN programs for self-employed and non-traditional borrowers.

Cities We Serve in California

Dedicated mortgage guides for every California city we close loans in regularly. Click your city for local conforming limits, county-specific programs, and metro-level rate strategy.

San Diego Mortgage

Mid-Tier

San Diego County · 2026 limit ,104,000

View San Diego guide →

Don’t see your city? We close loans across the entire state of California. Get a free quote →

Is Working with a Mortgage Broker Compliant in California?

Yes, and California is one of the most heavily regulated mortgage markets in the country, which actually works in your favor as a borrower. OnPoint Mortgage Pro is licensed and supervised by multiple state and federal authorities.

State licensing: Our brokerage is licensed and supervised by the California Department of Financial Protection and Innovation (DFPI), license #60DBO-140540, under the California Financing Law. Every loan officer working on your file is individually licensed and listed on the Nationwide Multistate Licensing System (NMLS).

Disclosure requirements: Federal law (TRID, TILA-RESPA Integrated Disclosure rule) requires us to give you a Loan Estimate within 3 business days of application. California adds state-level consumer protections including the Mortgage Loan Originator Act and the Holden Act prohibiting redlining. You see every fee, every rate, every term, before you sign anything.

No obligation: Quotes and pre-approvals from OnPoint Mortgage Pro carry zero obligation to proceed. You can shop our offer against another lender’s. We expect you to, that’s how you know our pricing is competitive.

OnPoint Mortgage Pro · NMLS #2134550 · CA DFPI License #60DBO-140540 · Equal Housing Lender

What Documents You’ll Need for a California Mortgage

Standard documentation across most conforming and government loan programs. NON-QM programs require less; jumbo loans may require more.

Income: Two most recent pay stubs, W-2s from the last two years (or 1099s / two years of tax returns if self-employed)
Assets: Two most recent bank statements for all accounts used in qualifying, checking, savings, retirement, brokerage
Identification: Government-issued photo ID (CA driver’s license or passport), Social Security card, and DD-214 for VA loans
Property (purchase only): Fully executed purchase contract and any addenda, we coordinate the appraisal directly with the lender’s AMC

Your loan officer will send a personalized needs list within 24 hours of your application, most files require fewer documents than this complete list.

What Our California Clients Say on Google

Real reviews from real OnPoint Mortgage Pro clients, pulled live from our Google Business Profile.

We’re Licensed in 9 States

Outside California? OnPoint Mortgage Pro is also licensed in the states below. Click your state to see programs available where you live.

California, You’re Here
Colorado
Florida
Idaho
Maryland
New Hampshire
South Carolina
Texas
Virginia

Prefer to Talk?

Speak with a licensed California loan officer right now. No automated phone tree, no waiting on hold.

☎ (877) 870-0007

info@onpointmortgagepro.com

OnPoint Mortgage Pro · Headquartered in Irvine, California
NMLS #2134550 · Equal Housing Lender