Mortgage Resources & Guides

Free tools, calculators, and expert guides to help you navigate the California mortgage process

Mortgage Calculators

Mortgage Payment Calculator

Calculate your monthly payment including taxes, insurance, and HOA fees

Home Affordability Calculator

Find out how much house you can afford based on your income and debts

Refinance Calculator

Determine if refinancing makes sense and calculate your break-even point

DSCR Calculator

Calculate your investment property's debt service coverage ratio

Fix & Flip Profit Calculator

Analyze your hard money deal and calculate potential ROI

Latest Articles & Guides

Home Purchase

First-Time Homebuyer's Guide to California

Everything you need to know about buying your first home in California, from down payment assistance to closing costs.

Investment

DSCR Loans Explained: The Investor's Ultimate Guide

Learn how DSCR loans work, when to use them, and how to qualify for investment property financing without income verification.

Refinance

When Should You Refinance Your Mortgage?

Calculate your break-even point and discover the best times to refinance your California mortgage to save money.

Education

Understanding California Mortgage Rates

What affects your mortgage rate, how to get the best rate, and what factors California lenders consider.

Investment

Fix and Flip Financing: Hard Money vs Traditional Loans

Compare hard money loans to traditional financing for real estate investors. Learn which option works best for your project.

Education

California Mortgage Broker vs Bank: Which is Better?

Understand the differences between working with a mortgage broker and going directly to a bank for your home loan.

Need Expert Mortgage Advice?

Our licensed California mortgage brokers are here to answer your questions and help you find the best loan for your situation.