When and where to apply for your mortgage. You can meet with a mortgage lender and get pre-qualified at any time. A pre-qual simply means the lender thinks that, based on your credit score, income, and other factors, you should be able to get approved for a mortgage.

CalHFA supports the needs of renters and homebuyers by providing financing and home loan programs that create safe, decent and affordable housing opportunities for low to moderate income Californians.

Should You Refinance Your Mortgage? Mortgage rates rose on a weekly basis, even as President Trump called for the Federal Reserve to take its target interest rates negative. The 30-year fixed-rate mortgage averaged 3.56% during the week.

Purchase Loans Help you purchase a home at a competitive interest rate often without requiring a downpayment or private mortgage insurance. Cash Out Refinance loans allow you to take cash out of your home equity to take care of concerns like paying off.

Several key mortgage rates notched higher today. The average rates on 30-year fixed and 15-year fixed mortgages both floated.

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