Make no mistake, there's a lot to do when you get a mortgage loan. You wouldn't be here on our site if it were possible to fill out a one-page application and get an excellent loan funded the same day. We do most of the heavy lifting for you, so you can concentrate on what's important — preparing to move into your new home or saving money.

Getting a Loan Involves four major milestones:

Step One: Decide how much you can afford

A couple of factors determine this amount. How much of a monthly payment can you afford? And given your unique credit and employment history, income and debt, and goals, how much will a lender loan you? Use the calculators on our website to determine your monthly payment amount. We’ll also help you through different scenarios by asking a few simple questions. Because lender guidelines are fairly standard, we can give you a good idea of how much you can borrow after a short conversation.

Step Two: Pre-qualify for your loan

This is where the process really begins and you save the most money. You will supply information on your current job, your assets, and your residence history. You’ll give us information on your employment, asset, and residence history. We will get your credit report and score (only after you give your permission, of course). We will go over this information then will provide a letter of pre-qualification. Handle it with care — it is a great tool when you make your offer! Your real estate agent will use the pre-qual (as they may call it) in order to make the best offer on the home you choose. While you’re shopping for your new home with your agent, we find the best program for you.

Step Three: Apply for your loan

After you’ve made the offer and the sellers have accepted, you should apply for the loan. Applying for a loan could not be much easier; you can apply any time right here on our site. After the seller has accepted your offer and you have submitted your loan application, we will order a professional appraisal on the home.

Step Four: Funding

The real estate agents will find an escrow/title company to handle the “funding” and closing. We’ll coordinate with this company to ensure the papers your lender requires are in order, and you will probably}likely sign all these papers at this company’s office. We work with with this company to set your closing date. Because you don’t have to coordinate this process, you can think about the move, if you’re going to repaint, new carpet, and all the details of getting a new home.

You’ve answered a few questions, provided lots of information, applied online, and Before you know it, you’re moving in! California Capital Mortgage Company is a mortgage specialist; you’re not — so we do the work. Doesn’t that make sense?

Have more questions about the loan process works? Call California Capital Mortgage Company at (916) 456-1000 or email us by filling out the form below. It’s our job to answer lending questions, so we’re happy to help!