California Mortgage Loans Made Simple

Better Rates, Better Service

Residential, Investment Property & Commercial Loans

CA DRE License #01902006

15+ Years Experience

Close in 21 Days or Less

Get Your Free Rate Quote

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Today's Mortgage Rates

Check out our competitive rates updated daily

Current Mortgage Rates

Last Updated: | Based on $400,000 loan amount

Product	Rate	APR	Points	Monthly Payment

* Rates shown are examples and may not reflect current market conditions. Your actual rate will depend on your credit profile, loan amount, down payment, and other factors. Contact us for a personalized rate quote.

Our Loan Products

Tailored financing solutions for every need

Home Purchase

From first-time buyers to seasoned investors, we offer flexible home purchase financing including Conventional, FHA, VA, and Jumbo loans.

Refinance

Lower your rate, reduce your payment, or access your equity with rate-and-term or cash-out refinancing.

DSCR Loans

Qualify based on property rental income, not personal tax returns. Perfect for California real estate investors.

Hard Money

Fast, flexible financing for fix-and-flip projects, bridge loans, and construction. Close in 7-14 days.

Commercial Loans

Commercial financing for 5+ unit apartments, mixed-use properties, and income-producing real estate.

HELOC

Access your California home equity with flexible HELOCs or fixed-rate home equity loans.

Not Just Mortgages — Full-Service Real Estate

Better Offers Inc is licensed for both mortgage lending AND real estate sales (CA DRE #01902006). Get financing and representation under one roof.

Sell Your Home

List your California property with a broker who understands both real estate AND mortgage financing. We know what buyers can afford and how to price homes that close.

Buy a Home

Get pre-qualified for your mortgage and buyer representation from the same broker. No more coordinating between your agent and lender — we handle both.

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Ready to Get Started?

Speak with one of our experienced loan officers today and discover how we can help you achieve your financial goals.