Refinance - Home Financing - 2nd Mortgage - New Home Purchase - Home Improvement - First Time Home Buyers - VA Refinancing

Popular Terms 30 yr Fixed 15 yr Fixed 10/1 Arm 7/1 ARM 5/1 ARM 3/1 ARM 2/1 ARM 6 Month Libor Interest Only Construction Loans Advantages Many homeowners use construction-to-permanent financing programs where the construction loan is converted to a mortgage loan after the certificate of occupancy is issued. The advantage is that you only have to have one application and one closing. Depending on your view on interest rate trends, you could also purchase a rate-lock agreement valid through the expected completion of the construction. Just make sure you allow for the inevitable construction delays. A construction loan, unlike a mortgage, isn't meant to be around for a long time. If you're taking out a $200,000 construction loan for six months and you pay an extra 0.5 percent on the loan, it costs you an additional $250. (Assumes an average $100,000 loan balance over a six-month construction period.) You may be willing to pay a higher rate on the construction loan if you're doing construction-to-permanent financing and can get better mortgage terms or a longer, better rate lock from that lender.	California Construction Loans Construction Loans for California Homeowners! We've Got Just The Right Loan, For All Types Of California Homes Including Log, Timber Frame & Modular Homes Construction-To-Permanent Loans One loan, one closing and one set of fees! Get California construction financing and permanent financing all in one loan. Lot Loans Looking to purchase a California residential lot for future construction of your primary residence or vacation home? If so, our Lot Loan is the right loan for you. And when you are ready to build, we will help you with your California Construction-to-Permanent Loan. Remodeler Loans Designed for California homeowners looking to improve a primary residence-new kitchen, bigger bathroom, room addition and more! Bridge Financing Don't wait to sell your old California home before building your dream home. You can access equity in your current home to use as the down payment on a Construction-to-Permanent Loan. Choose Your California Mortgage Loan Metro Area! Berkeley Mortgage Napa Mortgage Big Bear Lake Mortgage Oakland Mortgage Big Sur Mortgage Palm Springs Mortgage Carlsbad Mortgage Riverside Mortgage Carmel Mortgage Sacramento Mortgage Catalina Island Mortgage San Diego Mortgage Chico Mortgage San Francisco Mortgage Eureka Mortgage San Jose Mortgage Julian Mortgage San Luis Obispo Mortgage Lake Tahoe Region Mortgage San Simeon Mortgage Los Angeles Mortgage Santa Barbara Mortgage Mojave Mortgage Santa Cruz Mortgage Monterey Mortgage	Mortgage Resources Mortgages Mortgage Rates Mortgage Calculators Second Mortgage Mortgage Brokers Mortgage Interest Rates Mortgage Lenders Mortgage Loans Mortgage Refinance Mortgage Quotes California Factoids California is called the Golden State, and it's seemingly boundless terrain of sunshine and the Gold Rush of the 1940s are primarily the reasons. On Jan. 24, 1848, James W. Marshall discovered gold at Sutter's Mill, starting the California Gold Rush and bringing settlers to the state in large numbers. People continue to head West in large numbers towards the land of sun and opportunity, prolonging California's nearly mythic place atop the American housing market. From Mt. Whitney at 14,495 feet to Death Valley at 282 feet below sea level (the lowest point in the Western Hemisphere), and from the eternal sunshine of Southern California to the rugged yet lush beauty of the North, the state continues to see an influx of people searching for the American Dream. By 1964, California had surpassed New York to become the most populous state. One reason for this may be that more immigrants settle in California than any other state—more than one-third of the nation's total in 1994. Asians and Pacific Islanders led the infilltration.