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Call Us :	1-800-217-8086

FHA
FHA insured loan will let you purchase a home with a low down payment and flexible fha guidelinesMore...

Refinance
A home refinance loan to your existing mortgage is to take advantage of the lowest available interest rates More...

Frequently Asked Questions

Whether you are looking to buy your first home in California or want to refinance your California home mortgage, you may have many questions in mind. Here we have compiled a list of the most frequently asked questions about the mortgage process and us in general.

California Mortgage FAQ

Can I buy a home with little or no down payment?

Housing authorities and lenders have programs structured for low down payment or even no down payment loans. These programs may have added expenses like a higher interest rate or private mortgage insurance. Before you choose a low down payment or no down payment loan, make sure you understand the costs associated with it.
How do I choose the right mortgage?

Understand the options available to you. Use our advice and articles to choose the best mortgage with the cheapest interest rates.
What information is required when I apply for a mortgage?

Normally, any lender would require your:

i. Personal records
ii. Employment records
iii. Financial records
How can I pay my mortgage faster?

You can pay off your home mortgage loan faster in several ways:

i. Create a biweekly mortgage schedule for yourself
ii. Make weekly payments if your lender agrees
iii. Increase your payments (consult a mortgage professional about how you can do this)
iv. Reduce the amortization period – this can be done in many ways
Do I have to escrow my taxes and insurance?

You can ask for a waiver of the escrow account if you meet the following conditions:

i. Your LTV Ratio is lower than 80%, and
ii. You have paid taxes and insurance regularly in the past, and
iii. You can pay them on your own
Note that these conditions may not be acceptable to all lenders.
How can I be sure that a lender is in good standing?

You can contact the Department of Banking in your state to make inquiries about the lender.

About Us FAQ

What is calmortgagedepo?

calmortgagedepo is an online consumer service, a loan center that matches consumers to brokers and lenders to get the best mortgage. You are just three steps away from your dream home:

i. Apply online
ii. Receive great offers
iii. Close your loan
How does calmortgagedepo get paid?

calmortgagedepo is absolutely free for consumers. Our extensive network of mortgage brokers and mortgage lenders pay us for the opportunity to compete in the open market to offer the best mortgage loan that is in sync with what you really need.
How long will it take to close on the loan?

Every offer is different, though on an average it may take about 2 to 4 weeks. If the information you provide is accurate, the verification process is speeded and consequently, the loan is processed faster.
How does the loan process work?

a. Once you apply online, qualified brokers and lenders will contact you with their best offers.
b. Choose one that meets your needs. For understanding more about the different mortgages, check out our advice and articles page.
c. You will receive the list of documentation needed to process the loan.
d. You will receive the closing date of the loan soon.
e. Your personal information is secure with us. Go through our privacy policy for more information.

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