— ABOUT CALIFORNIA HOME LOANS
California Mortgage &
Home Loan Solutions
Pacific Home Loans provides mortgage financing throughout California, with dedicated expertise across the state’s coastal luxury markets, resort and destination communities, and complex property types that frequently require specialized underwriting. We offer a full suite of financing programs – from traditional agency loans to jumbo, portfolio, PrimeResort™, and Non-QM solutions – structured to match California’s exceptional diversity of real estate markets and borrower profiles.
California is home to some of the highest-value and most complex real estate in the country. Oceanfront estates in Malibu and Newport Coast, resort condominiums in Palm Springs and Lake Tahoe, hillside retreats in the Santa Ynez Valley, and coastal luxury communities from La Jolla to Carmel, each presents distinct financing considerations – elevated loan amounts, non-warrantable condominium structures, resort zoning classifications, second home and vacation property designations, and borrower profiles that frequently extend beyond standard agency guidelines.
Conforming loan limits vary significantly across California’s counties. In Los Angeles and Orange Counties, the 2026 limit is $1,149,825 for a single-family property. San Diego County’s limit is $1,006,250. Most other California counties default to the baseline $832,750 – a figure routinely exceeded in the state’s premier coastal, mountain, and desert resort markets, all of which regularly require jumbo or portfolio financing.
— CALIFORNIA’S KEY REAL ESTATE MARKETS
California’s Key
Real Estate Markets
Pacific Home Loans serves buyers, investors, and property owners across California’s most distinctive real estate markets – from the Southern California coastal corridor to the state’s premier resort and lifestyle destinations.
— FINANCING CONSIDERATIONS FOR CALIFORNIA PROPERTIES
Financing Considerations
for Coastal Properties
Across California’s coastal, resort, and luxury markets, transactions frequently involve financing considerations that extend beyond standard agency guidelines:
Jumbo and high-balance loan requirements are common across Southern California’s coastal communities and in the state’s premier resort markets, where median prices routinely exceed county conforming limits. Non-warrantable condominium and condotel structures appear regularly in resort-branded developments, high-rise urban projects, and coastal communities where investor ownership concentration, short-term rental activity, or mixed-use classifications affect project eligibility. Second home and investment property designations require careful qualification structuring, particularly where rental income, occupancy classifications, or fractional ownership arrangements affect loan program eligibility. Complex borrower profiles – including self-employed professionals, entertainment industry earners, technology executives, and international buyers – frequently benefit from bank statement, asset-based, 1099, and portfolio loan programs.
— FOR RESORT & NON-WARRANTABLE PROJECTS
PrimeResort™
Some condominiums – particularly resort-designated or non-warrantable projects – require specialized underwriting that conventional lenders cannot provide.
Investor Qualification
Learn more about qualifying for a home loan utilizing investor and cash-flow-based qualification.
Portfolio Loans
Learn more about our portfolio loan options and flexible financing solutions.
— PROGRAM OPTIONS
Full Service California
Mortgage Financing
Pacific Home Loans offers a comprehensive range of loan programs supporting California’s diverse property landscape, from traditional agency financing to specialized portfolio and alternative documentation solutions.
Conventional
Standard financing for primary residences, second homes, and investment properties structured to meet Fannie Mae and Freddie Mac guidelines – serving buyers across California’s diverse housing markets.
FHA Loans
Low down payment financing for eligible primary residence purchases and refinances, offering flexible qualification standards for buyers entering California’s competitive real estate market.
VA Loans
Zero down payment financing for eligible veterans, active-duty service members, and surviving spouses – built for the large military communities across San Diego, the Inland Empire, and beyond.
Jumbo Loans
Financing for California’s elevated property values, from coastal luxury estates and hillside retreats to high-rise condominiums in the state’s most sought-after markets.
Non-QM / Alt-Doc
Alternative documentation programs tailored for California’s large population of self-employed professionals, entrepreneurs, investors, and borrowers with non-traditional income structures.
Portfolio Loans
Loans for high-value transactions, complex financial profiles, and scenarios that fall outside conventional guidelines in California’s premium markets.
— WHY PACIFIC HOME LOANS
Pacific Home Loans
California Mortgages
Pacific Home Loans understands that California financing is not one-size-fits-all. Whether the property is a coastal luxury estate, a resort condominium, a non-warrantable project, a Palm Springs vacation home, or a high-balance primary residence, our team structures the right solution for the property, the borrower, and the market.
Call today to get started!
Coastal & Luxury Market Expertise
Experienced financing oceanfront estates, guard-gated communities, and high-value transactions across Southern California’s most competitive markets.
PrimeResort™ Specialists
Dedicated resort and non-warrantable condominium financing for California’s resort-branded developments, condotels, and complex project structures.
Non-QM & Complex Income Depth
Bank statement, asset-based, 1099, DSCR, and portfolio programs for California’s high concentration of self-employed borrowers, entertainment industry earners, and investors.
VA Lending Experience
Full VA purchase, renovation, and streamline refinance programs for active-duty, veteran, and surviving spouse borrowers across California’s major military communities.
In-House Portfolio Capital
In-house underwriting and portfolio capital for non-standard scenarios, complex income structures, and transactions requiring flexibility beyond agency guidelines.
Licensed Across 10 States
Hawaii-headquartered with multi-state licensing, serving borrowers wherever their investment journey takes them.
— COMMON QUESTIONS
California Mortgage
FAQ
Have a question not answered here? Our team is available to walk through your specific scenario.
— CLIENT TESTIMONIALS
What Our Clients
Are Saying
Steven and his team have helped several of our clients and friends with loans in the past. We have always enjoyed working with them and chose to have them take care of our personal home loan as well. Steven is very creative in choosing specific loan programs and helping find the best solution for the type of loan that will work for you. Two years later we chose to use them again to re-finance. Steven was able to get us a great rate. He is very thorough and has a team that follows up to answer any questions that you may have and walk you thru the process. We highly recommend Steven and his team.
We recently had the pleasure of working with Ryan on a home purchase involving a 1031 exchange. It was our first exchange purchase, which involved a lot of additional details on how we could use different funds while maintaining a tax-advantaged state, we were also out of state, and managing the purchase through a period where Fed rate hikes were coming. Ryan and his team were absolute experts, there wasn’t a single question they didn’t know how to answer, they partnered with our agent and exchange team wonderfully, and set us up to actually close almost a week early with zero hitches. I’d highly recommend him and would work with him again in a heartbeat!
Ginni was AMAZING!!! We couldn’t be more happy with our home buying experience! She went above and beyond!!! Best mortgage lender experience we’ve ever had!!! Thank you! Thank you! Thank you!
The Property is unique and required a true specialist and Steven and his team we’re just the ticket. As a first time home buyer, I had many questions and concerns. They were helpful all along the way. My family was very excited when we finally got to move in to our new home. Thank you Pacific Home loans.
Ginni Madsen and her team were instrumental in helping me obtain financing for our family home. We had gone through a short sale and needed to find a lender who would work with us. Ginni was able to find a lender She was available by phone at almost all times we called and was patient enough to help us through everything! I would recommend Ginni to anyone!!
Ginni, I just wanted to thank you for all the help you provided to get my refinancing done. I was very pleased with your knowledge of the unique aspects of the Maui property and mortgage market. And also, throughout the process, you understood my goals and achieved them, with a competitive package and excellent, personalized customer service. It was great working with you.
Ryan was very professional and prompt. He was knowledgeable about the process and we would recommend him to anyone on Maui! Home buying can be a stressful process and he ensured that it ran as smoothly as possible.
I have used Pacific Home Loans for several mortgages and they never fail. Rates quoted are accurate and the staff are right on top of it. I would recommend Pacific Home Loans to anyone looking to buy real estate or refinance. They will not let you down.
Thanks to the entire staff of Pacific Home Loans, our refi was a success! Especially when it’s not so easy to get any type of loan being self employed.
Steven and his team were exceptional in their communication and service from when I first inquired about a loan to the day I recorded. They walked me through what to expect each step of the way. I know how busy they are, but they truly made me feel like I was the only client they were servicing. I am a real estate agent and this loan was for my personal purchase. I am happy to say that I could not have asked for my loan process to go any better, it was truly exceptional. I highly recommend Steven and his team at Pacific Home Loans, they are no ka oi, as we say it here in Hawaii! Thank you Steven and all on your team, you each made my home purchase experience wonderful! Mahalo nui!
Start Your California Financing Strategy
Whether you are purchasing a coastal estate in Malibu or Newport Beach, a resort condominium in Palm Springs or Lake Tahoe, a primary residence in San Diego, or an investment property anywhere in the state, our team can help structure the right financing solution for your goals.
