Purchase, refinance, and home-equity loans from a local team that actually picks up the phone. Competitive rates, fast pre-approvals, and a process that finally makes sense.
A short, secure application, no obligation, no impact on your credit.
Receive a personalized rate quote and pre-approval letter, usually same day.
We coordinate underwriting, appraisal, and closing, start to finish.
From first-time homebuyers to seasoned investors, we offer the right loan for the right moment.
Mortgage programs built for business owners, 1099 contractors, and freelancers. Bank statement, P&L only, DSCR, and asset-based options.
Learn more →Qualify on rental income alone, no W-2s, no tax returns. Built for California real-estate investors scaling a portfolio.
Learn more →Streamlined qualification using a single Verification of Employment from your employer. No tax returns required.
Learn more →Qualify using 12 or 24 months of personal or business bank statements. Built for self-employed borrowers with strong cash flow.
Learn more →Qualify on a CPA-prepared profit-and-loss statement, no tax returns, no bank statements. The cleanest non-QM paperwork pathway.
Learn more →Buying your next home? We find the loan that fits your budget and timeline.
Learn more →Low down payments, grants, and step-by-step guidance from offer to keys.
Learn more →Government-backed loans with flexible credit and down-payment requirements.
Learn more →Zero-down financing for veterans, active-duty service members, and families.
Learn more →Competitive fixed and adjustable-rate options for qualified borrowers.
Learn more →Financing above conforming limits for luxury and high-cost-area homes.
Learn more →Tap into your equity for renovations, debt consolidation, or major expenses.
Learn more →Borrow against your equity without touching your existing low-rate first mortgage.
Learn more →Loans for rentals, second homes, and portfolio expansion across California.
Learn more →Build, expand, or finance an accessory dwelling unit through our ADU loan partner.
Learn more →Live national averages from Mortgage News Daily. Your actual rate depends on credit, down payment, loan amount, and property type.
Adjust the inputs and see your full PITI breakdown update in real time. Defaults reflect typical California assumptions for property tax, insurance, and PMI.
PMI is auto-applied when the down payment is under 20%. Need other calculators? See the full library →
We're a local California team focused on one thing: getting you the right loan, with no surprises. Our clients close on time, talk to a real human on every step, and leave knowing they got a fair deal.
Caren and Steve…. Best team ever! Helped me with my new home loan in Houston TX. These two are very professional, great communication, super fast services, and all under one roof. I couldn't be happier with these two. Thank you Caren for putting up with all my crazy demands and Steve for working everything out for us. A++++ service don't know what else to say. Best of the best.
Steve was amazing. Helped my family to get a house, and we got the loan done in no time. He is such a wise professional and so quick with it; I was even a bit confused about how fast we were able to close the loan. Our credit wasn't the best, but Steve and his team were able to get us a pretty good rate and give us the opportunity to live in the house of our dreams! THANK YOU!
I had a great experience working with Steve! He was super involved throughout the whole process and really took the time to explain everything in a way that made sense. Buying a home can be stressful, but Steve made it feel a lot easier and less overwhelming. Communication was always clear and timely, and I always felt like I knew what was going on. I'd definitely recommend Signature Home Mortgage to anyone looking for professionals who actually care and go the extra mile.
Get a free, no-obligation pre-approval from a real loan officer.
Get a quote in minutes, no credit check required.
Have a question, need a quick quote, or want to start an application? Reach out, we usually respond within 1-2 business days.