Innovative Loan Programs

Whether you’re purchasing or refinancing, we offer solutions-oriented loan programs tailored to your financial goals.

Opportunities For Success

We have a wide variety of niche loan programs for those out-of-the-box scenarios, along with every industry-standard mortgage program.

100s of loan programs: When you choose to work with us, you’ll have access to hundreds of California loan programs. We can tailor these programs to meet your specific goals.

Internet Low Mortgage Rates: We offer internet low mortgage rates below the national average, without junk fees. And we combine that with exceptional service.

Fast closings: Our unique loan process is built for speed and efficiency. We’ll not only match you with the right loan program, but we’ll also close it quickly.

Experience Matters

Behind California Mortgage Finder is a 20+ year mortgage industry veteran with the knowledge and experience to find you the right loan program. Loan Officer Kevin O’Connor is a top-rated loan officer who works directly with his clients from start to finish. Along with his partners, they can provide an unparalleled opportunity where you can lock in a low internet mortgage rate and still get exceptional service from someone with more than two decades of experience.

Our Core Loan Programs

Conventional

Under the conventional loan umbrella, a multitude of loan solutions are available for both homeowners and homebuyers.

Explore Conventional

FHA

FHA loans are perfect for first-time homebuyers or those with less-than-perfect credit. FHA also has an outstanding home renovation loan.

Explore FHA

VA

The VA loan program is available to those currently serving or who have served our country, as well as their surviving spouses.

Explore VA

Jumbo

Buying an expensive home? Then our Jumbo Loan program is for you: low rates and program flexibility.

Explore Jumbo

USDA

If you are buying or refinancing in rural California, this program is designed for you.

Explore USDA

Non-QM

If you need flexibility with your mortgage, then a Non-QM loan is an option to consider.

Explore Non-QM Loan

Bank Statement

Do you have hard-to-prove income? That is not a problem; we have a solution.

Explore Bank Statement

Reverse

A reverse mortgage is an ideal solution for homeowners aged 62 or older.

Explore Reverse

Second

An excellent mortgage opportunity for both homebuyers and homeowners.

Explore Second

California Mortgage Finder

We’re the ideal partner for your next mortgage transaction.

A Successful Partnership

Our top priority is a successful partnership with you. Our unique approach delivers the right loan program in the least amount of time.

Listen First: Listening to you is instrumental in building a successful partnership.

Efficient Process: Our loan process is efficient and fast, allowing us to close in under 30 days.

Low Rates: Our clients appreciate our competitive mortgage rates, and we never charge hidden fees.

Loan officer explaining her loan programs to clients

California Mortgage Finder Articles

First Time Homebuyers Look At House

Homebuyers

First-Time Home Buyer

Buying a home for the first time can be overwhelming. However, as a California first-time homebuyer, you have access to resources that will make the…

Updated: May, 2025

Loan Officer Kevin O’Connor

Homes On A Street

Homeowners

The Right Time To Refinance

Refinancing your home can help you achieve your financial goals. These goals may include better monthly cash flow, home improvement projects that increase the home’s…

Updated: May, 2025

Loan Officer Kevin O’Connor

Homebuyer reviewing her checklist

Homebuyers

Homebuyer Checklist

Buying a home can seem daunting at first, but with our simplified homebuyer checklist, buying a home will be a bit easier. Our Homebuyer checklist…

Updated: May, 2025

Loan Officer Kevin O’Connor

Discover The Possibilities

At California Mortgage Finder, getting low rates for clients is a top priority. Apply today and work with a 20+ year mortgage industry veteran.

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