California Mortgage Rates

NetRate Mortgage is a mortgage broker licensed to originate loans in California. We work with wholesale lenders to get you access to rates and pricing that aren't available through retail banks or direct lenders.

Pricing can vary by state — not every wholesale lender operates in every state, and some lenders price differently depending on the market. What doesn't change is our approach: we shop multiple wholesale lenders on your behalf and show you the options side by side. How mortgage pricing works →

A few things that vary in California specifically:

• Loan limits — conforming loan limits are higher in many California counties due to high home values, which affects whether your loan is conforming, high-balance, or jumbo
• Closing costs — title insurance rates, recording fees, and transfer taxes vary by county and state
• Third-party fees — escrow, title, and settlement costs differ by state

What We Offer in California

• Refinance — Rate-and-term, cash-out, no-cost options. The Refinance Playbook →
• Home Purchase — Conventional, FHA, VA
• Reverse Mortgage — HECM and proprietary products. Reverse Mortgage Guide →
• Jumbo Loans — For loan amounts above the conforming limit
• DSCR Loans — Investment property loans qualified on rental income, not personal income
• Bank Statement Loans — For self-employed borrowers who can't document income through tax returns
• Second Mortgages — HELOCs and closed-end seconds

How It Works

Same as anywhere else:

1. See the rates — Check today's California rates. No application, no credit pull.
2. Compare your options — Every rate, every point/credit combination, side by side.
3. Apply when you're ready — We handle everything from application to closing.

We're a mortgage broker — not a bank, not a call center. Why that matters →

California Licensing

• David Burson — NMLS #641790
• NetRate Mortgage LLC — NMLS #1111861
• Licensed by the California Department of Financial Protection and Innovation
• Verify on NMLS Consumer Access →