Your Best Mortgage Lender in California
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Best California mortgage loans with GREAT mortgage rates!
Welcome Homeowners CA
Shannon and her team are your resource for home mortgages in and around California.
Financing a home? Then you know how imperative it is to work with a trusted Cali home loan professional. Whether you are a first time homebuyer or a seasoned investor, we are committed to you and your goals. As a Certified Mortgage Advisor and with 15+ years of industry experience, I will make your mortgage experience what you hope it will be.
Apply for a Mortgage
Read to get started? Let’s do it! Click below to complete a loan application and you will hear back from us same business day.
Home Loan Options
Your mortgage should be tailored to you and your unique needs. We offer loan programs you won’t find anywhere else.
Shannon McAlister
503-516-8881
Secure Your Home Loan FAST with a CA Mortgage Expert – Rain or Shine!
No delays, no complications – just a smooth, hassle-free loan approval process. Get the financing you need for your dream home quickly and efficiently. Your California mortgage broker specialist is dedicated to simplifying your home loan experience, ensuring you have the support you need every step of the way.
Keys to Your Mortgage Success
The loan process can be taxing, but it doesn’t have to be.
We bring foundational and proven methods to every mortgage.
Experience
You get the benefit of 15+ years in mortgage lending – and all the knowledge and expertise we’ve gained – put to work for you.
Communication
Knowledge is power. We keep you informed throughout the entire process so you are always in the know about what is happening with your mortgage.
Dedication
Our promise to you is investing 100% of our effort into hitting your goals, meeting your timeline, and securing your loan.
Process
As the lead broker, Shannon’s career began in mortgage processing, giving her inside insight about navigating the process to close your loan quickly.
Is an Investment Property Right for You in CA State?
✅ Long-Term Rental: Investing in long-term single-family or multi-family CA State rentals can provide consistent income and tax advantages, and add diversity to your investment portfolio.
✅ Airbnb or Vrbo: Short-term rentals can yield higher rental income, allow for flex pricing and personal use, and take advantage of popular tourist markets.
✅ Mid-Term Rental: Mid-term rentals in California can deliver reliable income with less frequent tenant turnover, appeal to a wide range of renters, and demand less hands-on management compared to short-term rentals.
Mortgage Loan Types in California
Conventional
Conventional Home Loans: 3% to 5% min down payment. With or without mortgage insurance. Eligible for primary, secondary, and investment properties (1–4 units). Available for purchase and refinance.
FHA
FHA Home Loans in CA State: 3.5% minimum down payment with lenient credit qualifications. Only for primary residences (1–4 units). Maximum loan limits vary by county. Available for purchase and refinance.
VA Home Loans
VA Home Loans in CA: 0% down payment with no monthly mortgage insurance. VA Loan Eligibility required. Only for primary residences (1–4 units). Available for purchase and refinance.
Jumbo Loans
Jumbo Home Loans: 10% min down payment. Available for primary, secondary, and investment properties (1–4 units). Designed for higher-value properties. Available for purchase and refinance.
DSCR Investment Loans
Debt-Service Coverage Ratio (DSCR) loans are for CA State investment properties (1-20 units). Approval is based on property cash flow, not personal income. No employment or income verification required. Wide variety of terms and options.
Reverse Mortgages
Reverse mortgages in California let homeowners aged 62+ convert home equity into cash without a monthly payment; the loan is repaid when the home is sold, the owner moves, or passes away. Allows retirees to age in their home.
You Stay in Control of Your Home Loan, and We Bring the Expertise
Loan consultations are free with no obligation. Explore your options without any pressure. When it comes to financing your home, you remain in control of the decisions, and we provide the expert mortgage lender guidance and support. With flexible loan solutions and a transparent process, we ensure your home loan experience in California is smooth and stress-free.
Home for Heroes California
Homes for Heroes is dedicated to helping everyday heroes save on real estate transactions. If you’re a firefighter, EMS professional, law enforcement officer, teacher, healthcare worker, or active/retired military in CA, you qualify! Heroes can save thousands when buying, selling, or refinancing a home through discounts on California real estate agent fees, lending costs, inspections, and more. It’s our way of saying “thank you” for your service to our communities. Start your journey to savings today!
Veteran Home Loan
Doctors Home Loan
Police Home Loan
Firefighter Home Loan
Homes for Heroes is proud to support those who serve our California communities by offering significant savings on real estate transactions. Whether you’re buying, selling, or refinancing, eligible heroes can save thousands through reduced real estate agent fees, lender credits, and other discounts. It’s our way of giving back to the heroes who give so much.
This program is open to California firefighters, EMS professionals, law enforcement officers, healthcare workers, teachers, and active or retired military members. If you dedicate your life to serving others, Homes for Heroes is here to serve you. It’s not just about finding your dream home—it’s about helping you save while achieving your goals.
Shannon McAlister is your trusted Homes for Heroes mortgage lending affiliate in California. A proud affiliate of over 10 years, Shannon is committed to helping local heroes secure the best financing options while maximizing their savings. Partner with Shannon and let Homes for Heroes make your homeownership journey easier and more affordable.
Learning Builds Homebuying Confidence in CA - Learn More!
Buying a Home
Expert advice and support to guide you through your home purchase
Explore Our Rates
Learn about today’s rates and how they impact what you can afford.
Refinancing
Change your rate or payment, consolidate high interest debt, or unlock home equity.
RE Investments
Considering building an ADU or investing in a rental property? Let’s talk!
Get Your Home Loan Quickly with a Local California Home Loan Lender
You’ve heard the scary stories. Something went wrong two days before closing, nobody can explain exactly what happened or why it was discovered so late in the process. This does not have to be your story. Choosing to work with your California mortgage loan expert, Shannon McAlister, will give you the confidence and peace of mind you deserve. Shannon brings years of experience, clear communication, ensuring no surprises along the way. From pre-approval to closing, she’ll guide you step by step, so your home-buying journey is smooth, stress-free, and successful.
The pre-approval process is quick and painless, promise. Once you’ve submitted your application and uploaded your documents, you’ll hear back within one business day. Different than other lenders, we conduct a thorough pre-approval ensuring there are no surprises later on. At the end of the pre-approval process, you will understand which mortgage options are available to you (and why) and be fully pre-approved by the bank and ready to shop and compete for your home. When we meet, ask me about the difference between pre-qualified and pre-approved.
When Fast and Flexible CA Home Financing is Your Main Priority
Your home and it’s mortgage are some of the biggest decisions you’ll ever make. You’re not just getting a mortgage – you’re choosing the team you trust to get you to the goal. Your California mortgage lender should be committed to showing you all your mortgage options and guiding you through the process, contract to close and beyond.
Whether you’re a first-time homebuyer, moving up, or looking to refinance a home, we’ll help you find a mortgage tailored to your needs and guide you through the process easily and efficiently.
Best Mortgage Loan Broker in CA
We offer mortgage loans in all CA State neighborhoods, surrounding areas, and the entire California area. Looking outside of California? No problem! We provide exceptional service and great mortgage rates for homes, condos, and investment properties in all of CA State.
>> Secure Your Home Loan FAST in California <<
Here’s why working with us makes sense:
- Competitive Mortgage Rates – Lock in some of the best rates in California
- You Control the Timeline – Choose a loan closing date that fits your schedule
- Stress-Free Process – Avoid lengthy delays and enjoy a smooth home buying journey
- Fast Loan Approvals – Perfect if you’re ready to move into your new home quickly
We make financing your house in and throughout California simple, fast, and hassle-free. Take control of your home buying experience with transparent and reliable mortgage solutions!
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We Also do Home Loans in the Following California Cities:
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Nationwide Home Loan Mortgage Lender
Ready to Purchase Your Next Home!
If you’re ready to buy a home, [connect with us today]. We’d love to help you explore fair, no-obligation mortgage options, hassle-free. Take the next step - there’s no pressure, and you have everything to gain.
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Mortgage Rates You'll Love in CA State
Whether you’re buying your dream home or refinancing, our competitive rates make owning a home in California more affordable than ever.
Find a Mortgage in California
Finding the right mortgage in California can feel like navigating a maze, but having an experienced mortgage lender who focuses on education, transparency and process makes all the difference. California’s vibrant residential market is full of opportunities, whether you’re a first-time buyer or looking to upgrade.
If you’re planning to purchase or refinance a home, working with a mortgage professional in the area can provide essential guidance.
Shannon McAlister, your trusted California mortgage expert, is here to simplify the process and help you make informed decisions. With her focus on personalized service and CA State home loan expertise, Shannon ensures that your mortgage aligns with your financial goals. Whether it’s finding the best rates or navigating unique market conditions, she’s committed to making your homeownership journey seamless.
Connect With Your California Mortgage Lender
Homeownership in California
California, the Golden State, is celebrated for its vast size, diverse landscapes, and cultural influence as a global trendsetter. Stretching along the Pacific Coast, it offers everything from stunning beaches to towering redwood forests, desert expanses, and snow-capped mountains. Known for its iconic landmarks like Yosemite National Park, the Golden Gate Bridge, and Disneyland, California is a hub for tourism, innovation, and entertainment. Its economy is the largest in the U.S., fueled by industries such as technology, agriculture, entertainment, and renewable energy. California’s population, one of the most diverse in the nation, adds to its vibrant culture, which blends global influences with local creativity. The state’s Mediterranean climate and unparalleled natural beauty make it a highly sought-after place to live.
CA Cities and Local Real Estate Markets
California’s cities present some of the most dynamic and varied real estate markets in the nation. In the tech-driven Bay Area, cities like San Francisco, San Jose, and Oakland feature high demand and steep home prices, with limited inventory and a competitive atmosphere. Southern California cities, including Los Angeles and San Diego, offer a mix of luxury properties, beachfront homes, and suburban options, catering to diverse buyers in a warm, sunny climate. Sacramento, the state capital, provides a more affordable market with growing appeal for families and remote workers seeking proximity to nature and urban amenities. Inland Central Valley areas like Fresno and Bakersfield have lower costs of living and expanding markets, driven by agriculture and increasing interest in less urbanized regions. Coastal towns, from Santa Barbara to Monterey, attract high-end buyers looking for exclusive properties and stunning ocean views. California’s real estate markets reflect its size and diversity, offering opportunities across a wide spectrum of lifestyles and budgets.
“Owning a home in CA State is more than just having a place to live; it’s about building a foundation for your future and creating a space where memories are made.”
Mortgage Loans and Working with Your Trusted California Lender (FAQ's)
⭐ 1. What credit score do I need to qualify for a mortgage loan to purchase a home?
To qualify for a mortgage loan, your credit score is crucial. Credit score requirements vary for each loan program, and according to the specifics of your file. For example, two borrowers each with a 700 mid-score may not qualify for the same mortgage program. It all depends on the other factors in your scenario including debt ratio and down paymennt, among others.
Generally speaking:
- Convetional loans typically requre a score of at least 620
- FHA loans may accept scores as low as 580
- VA loans may also go as low as 580
A higher credit score often results in a lower interest rate and/or better loan terms. BUT, credit score isn't the only thing to focus on. Mortgages do consider score, but they also look at credit history, depth and breadth. Your mortgage advisor should review your credit with you so you thoroughly so you understand where you are, and identify any areas that can be improved.
⭐ 2. How do I find a mortgage broker near me that offers the best interest rate for a new home?
Finding a mortgage broker near you who can offer the best interest rate involves research. Start with a local directory or recommendations from real estate professionals. Compare loan products, fees, and rates. Working with an experienced lender like Shannon McAlister ensures you have access to a wide range of financing options. Shannon specializes in helping clients secure the right loan for a new home, offering transparent financial services and personalized support throughout the transaction.
⭐ 3. What are the benefits of using an independent mortgage broker for buying a home?
Using an independent mortgage broker for buying a home provides flexibility and access to a variety of loan products. They work with multiple lenders to find the right loan with the best interest rate and lowest fees. Independent brokers, like Shannon McAlister, bring years of experience and a commitment to transparency, helping you navigate FHA loans, VA loans, and conventional options. Shannon’s expertise ensures significant savings on closing costs and a seamless home buying experience.
⭐ 4. How does a VA loan work for a veteran purchasing their first home, and what are the fees involved?
A VA loan is a mortgage product for veterans and active-duty service members, making it easier to purchase a home. VA loans typically require no down payment and have lower interest rates compared to conventional loans. They also don’t require private mortgage insurance (PMI), reducing monthly payments. However, there may be a one-time VA funding fee. Trusted mortgage lender Shannon McAlister can walk you through the VA loan process and help you understand the associated costs to ensure you’re well-informed.
⭐ 5. What is mortgage insurance, and how does it affect my monthly payments when applying for an FHA loan?
Mortgage insurance protects the lender if the borrower defaults. FHA loans require an upfront mortgage insurance premium and an annual premium added to your monthly payments. This insurance increases your loan amount and monthly costs but allows buyers with lower credit scores or smaller down payments to qualify. Working with an experienced lender like Shannon McAlister can help you understand how mortgage insurance impacts your payments and how to manage costs effectively.
⭐ 6. Can I use a mortgage calculator to estimate my loan amount, interest rate, and closing costs?
Yes, a mortgage calculator is an excellent tool for estimating your loan amount, interest rate, and closing costs. By entering your credit score, down payment, and home price, you can calculate your monthly payments and total loan costs. Trusted mortgage lender Shannon McAlister can assist you in using these tools to understand the financial commitment of buying a home and comparing loan products. Calculators also help you see potential savings from securing a lower interest rate or reducing fees.
⭐ 7. What loan products are available for real estate investments, and how do I calculate potential savings on a second mortgage?
Several loan products are available for real estate investments, including conventional loans, FHA loans for multifamily properties, and second mortgages that utilize home equity. A second mortgage, such as a home equity loan or line of credit, can be used to finance new investment opportunities. Using a mortgage calculator can help you estimate how different interest rates and terms impact your monthly payments and savings. Shannon McAlister, a trusted mortgage lender, can guide you in finding the best mortgage options for your investment strategy and maximizing your returns.
Best home loan mortgage lender with great rates, from PDX Oregon, up to Seattle WA, down to SoCal, over to Texas, on to Florida. up the East Coast, and through the mid-west states!