Expert Mortgage Solutions Designed for California Homebuyers and Homeowners.
Your Path to Homeownership Starts Here.
At California Home Path, we specialize in guiding homebuyers and homeowners across the Golden State toward their financial goals. Whether you're buying your first home, upgrading to your dream home, or refinancing for better rates, we are here to pave the way.
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Got questions? We're here to help! Whether it's about mortgage rates, plans, or the process, feel free to ask us anything. We're ready to guide you every step of the way!
(949)627-5000
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Get Your Personalized Mortgage Quote Today!
Unlock Your Dream Home with Our Mortgage Solutions.
10+
Year of
experiance
who we are?
The Clear Choice for local California Mortgages
we’re more than just a mortgage lender—we’re your dedicated partner in making homeownership a reality. Our team works closely with you to understand your goals and provide tailored mortgage solutions that fit your lifestyle and budget. From first-time buyers to experienced homeowners, we’re here to offer guidance, support, and expertise every step of the way.
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Home Purchase
Refinance
Loan Options
Client Satisfaction
Personalized Solutions
Exceptional Customer Service
Your Journey to Homeownership Starts Here
we simplify the journey to homeownership. Our dedicated team is here to guide you through every step, providing expert advice and personalized support. Together, we’ll turn your dream of owning a home into reality!
Personalized Solutions: Every client’s situation is unique. We tailor mortgage solutions that fit your needs and goals.
Local Expertise: As a California-based brokerage, we understand the market and the opportunities it holds.
Speed and Simplicity: Fast pre-approvals and transparent processes.
Dedicated Support: You’re never alone—our experts are here to answer every question along the way.
Loan Types We Offer | Find the Right Loan for You.
Discover Flexible Loan Options for Every Stage of Your Life.
we streamline the mortgage process to make your homeownership dreams a reality. Our tailored solutions and expert support ensure a smooth journey, empowering you to achieve your goals with confidence.
FHA HOME LOAN
Achieve your dream of homeownership with flexible qualification requirements and lower down payment options. Perfect for first-time homebuyers!
Fast Approval: Get funds quickly to secure your new home.
Flexible Solutions: Tailored to meet your specific needs.
Easy Transition: Simplifies the process of moving between properties.
CONVENTIONAL
Enjoy competitive interest rates and a variety of term options for your next home purchase or refinance. Ideal for borrowers with good credit.
Fast Approval: Get funds quickly to secure your new home.
Flexible Solutions: Tailored to meet your specific needs.
Easy Transition: Simplifies the process of moving between properties.
VA HOME LOANS
Exclusive benefits for veterans, active-duty military, and their families. No down payment and no private mortgage insurance required.
Fast Approval: Get funds quickly to secure your new home.
Flexible Solutions: Tailored to meet your specific needs.
Easy Transition: Simplifies the process of moving between properties.
REFINANCE HOME LOAN
Lower your interest rate, access cash, or adjust your loan term. Refinancing can help you save money or achieve your financial goals.
Expert Advice: Tailored mortgage strategies for your needs.
Comprehensive Reviews: In-depth analysis of your financial situation.
Ongoing Support: Assistance at every step of your journey.
BANK STATEMENT
A great solution for self-employed individuals or business owners. Qualify for a loan based on your bank statements instead of traditional income documents.
Expert Advice: Tailored mortgage strategies for your needs.
Comprehensive Reviews: In-depth analysis of your financial situation.
Ongoing Support: Assistance at every step of your journey.
SELF EMPLOYED HOME LOANS
Designed for entrepreneurs and small business owners. We make it easier for self-employed borrowers to secure a mortgage.
Expert Advice: Tailored mortgage strategies for your needs.
Comprehensive Reviews: In-depth analysis of your financial situation.
Ongoing Support: Assistance at every step of your journey.
how it works | Step-by-Step Process
Your Journey, Simplified
Step 1: Get Pre-Approved
Discuss your needs and financial goals with our experts. Fast and easy online application.
Step 2: Find Your Dream Home
Use your pre-approval to shop with confidence.
Step 3: Close Your Loan
We handle the heavy lifting to get you to the finish line.
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HOME PATH PODCAST
Frequently Asked Questions
What is the difference between a fixed-rate and an adjustable-rate mortgage?
A fixed-rate mortgage has a constant interest rate throughout the loan term, while an adjustable-rate mortgage (ARM) has an interest rate that may change periodically based on market conditions.
How do I know how much I can borrow?
Your borrowing capacity depends on various factors, including your income, credit score, debt-to-income ratio, and the type of loan you are applying for. Our team can help you assess your financial situation to determine the right amount.
What documents do I need to apply for a mortgage?
Typically, you’ll need to provide proof of income, tax returns, bank statements, identification, and information about your debts and assets. Our experts will guide you on the specific documents required for your application.
How long does the mortgage approval process take?
The mortgage approval process can vary based on several factors, including the type of loan and your financial situation. Generally, it can take anywhere from a few days to several weeks. We strive to make the process as quick and efficient as possible.
Thank you for choosing us. We are dedicated to helping you achieve your homeownership goals with personalized service and expert guidance. For more information or assistance, feel free to reach out to us anytime!
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2588 El Camino Real, Carlsbad CA 92008
(949) 627-5000
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