Home Mortgage Loans
in California

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Standard Lenders: The Best Mortgage Broker in California

Standard Lenders is a full-service mortgage lender and real-estate brokerage based in California. As a leading California mortgage lender, we are setting new standards in the industry with our below-market interest rates and exceptional customer service. Our team will work with you every step of the loan process to help you get a mortgage that feels like home.

Whether you’re a first-time home buyer, an existing homeowner looking for refinancing, or want to cash in on your home equity, we offer a range of home mortgage loans for diverse financial needs. From young homebuyers to seniors and retirees, we are committed to improving lives by helping our clients find comfort and financial stability.

Find Your Perfect Loan

With Standard Lenders’ Flexible Payment Program, you are guaranteed a comfortable and self-sufficient life in retirement. Eliminate mortgage payments, choose when and how much to pay, and get an optional line of credit that CANNOT be taken away with our exclusive reverse mortgage solutions.

Learn more about flexible reverse mortgages

Along with reverse home mortgage loans, we also offer reverse mortgage refinancing. If you have a traditional or jumbo reverse mortgage, you can refinance your loan. As the best mortgage lender in California, we can help you find the lowest interest rates to help you save and earn more.

Learn more about refinancing reverse mortgages

Can you buy a new home with a reverse mortgage loan? Yes ⏤ but with conditions. Standard Lenders’ loan officers will guide you through the entire process to make home purchasing with reverse mortgages as seamless as possible. If you need a reverse mortgage purchase loan, let our California mortgage brokers help.

Learn more about reverse mortgage purchase

Conventional mortgages offer the lowest-cost loans if you meet their requirements. From conforming to non-conforming and fixed to adjustable-rate loans, Standard Lenders offers a range of solutions to satisfy every need. Consult with our mortgage experts to learn which loan type is best for you.

Learn more about conventional mortgage loans

Don’t qualify for conventional mortgages? With government loans from the Federal Housing Administration (FHA), you can make your homeownership dreams a reality. FHA loans have less stringent requirements than conventional home mortgage loans. Find out if you’re a good candidate for FHA mortgages.

Learn more about FHA loans

Buying a home for the first time can be an exciting yet overwhelming experience. As one of the biggest investment decisions of your life, it’s important to know all your options. Our California mortgage lenders will help you choose the right loan and handle the process from start to finish so you can move in with the least hassle.

Learn more about first-time homebuyer loans and programs

Interest rates on home mortgage loans go up and down depending on rate adjustments and market forces. Refinancing a home with a better rate can help you lower monthly payments and improve your cash flow. If you’re trying to get out of a fixed or adjustable-rate loan, our mortgage brokers in California can help.

Learn more about traditional refinancing

Mortgage Solutions Tailored to You

Standard Lenders was founded on the principle that customers come first. We go above and beyond to make the loan selection and approval process as simple as possible. Whether you need loan refinancing or want a reverse mortgage to supplement your retirement income, we’ll work with you to create a custom home mortgage loan tailored for your unique circumstances.

A premier mortgage lender in California, Standard Lenders provides unrivaled transparency, communication, and accessibility. We stay in touch with clients regularly and update them on the latest happenings in the housing industry that could affect their finances. Our loan experts can connect with you over the phone, email, and at home to accommodate your every need.

Contact Us Now

With unmatched mortgage expertise and extensive industry connections, our California mortgage brokerage can help you get the most affordable home loans and the best retirement plans. Contact Standard Lenders now to learn how our home mortgage loans can help you live with peace of mind.

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FAQs

Common Questions About Mortgages

What is Standard Lenders’ Flexible Payment Program?

Our Flex Program is a flexible reverse mortgage product that offers all the benefits of HELOC plus more flexibility. It allows you to take out a low-interest loan against your home equity to improve your cash flow. You can choose if or when to pay, and you will continue to retain homeownership until you sell or pass away. Speak with our experts to learn more about this solution.

What are the requirements of conventional home mortgage loans?

Although conventional loans account for the majority of mortgages, they are quite difficult to get. You should be able to afford at least a 3% down payment, have a minimum credit score of about 620, and have a debt-to-income ratio that is lower than 50% to qualify for these loans. Contact our California mortgage lenders to learn if you’re a good candidate for conventional loans.

How can I qualify for an FHA loan?

FHA loans are more accessible than conventional mortgages. To be eligible for these loans, you must have a FICO score of at least 500. You should also have a verifiable employment history for the past two years, and have verifiable income through federal tax returns and bank statements. To learn about other requirements, call our California mortgage brokers.

When should I consider refinancing my home mortgage loan?

There are several reasons why you should consider refinancing. If you want to lower your monthly payments, pay your mortgage off sooner, or tap into home equity, then it makes sense to refinance your mortgage. You can also refinance to get rid of an FHA loan and its monthly insurance premiums.