Conventional loans
Flexible terms for buyers with solid credit. Lower down payment options may be available, and private mortgage insurance may be required below 20% down.
- Fixed and adjustable rates
- Primary, second home and investment
California homes · Mortgage guidance
Your California home loan, mapped in 60 seconds.
Answer a few quick questions and we’ll point you toward the loan paths that may fit your goals, then connect you with a licensed professional who explains every option in plain English.
- Purchase, refinance, cash-out and HELOC options
- Conventional, FHA, VA, jumbo and more
- No credit pull to use this site, and no obligation
Not a loan offer or commitment to lend. Available for California properties only. Programs, rates and terms vary and are subject to credit approval and underwriting. See licensing & disclosures.
Licensed California professionals
Real estate & mortgage under one roof
Your information stays private
Quick, plain-English answers
Loan programs
Options for how Californians actually buy.
From first-time buyers to high-value coastal homes, here are the paths we help people explore. Eligibility and terms vary by lender and borrower.
FHA loans
Government-insured loans with more flexible credit and down payment guidelines for qualified buyers.
See if it fitsVA loans
For eligible veterans, active-duty members and surviving spouses, with potential for no down payment.
See if it fitsJumbo loans
Financing for loan amounts above conforming limits, which vary by California county.
See if it fitsFirst-time buyer paths
Learn which down payment and closing cost assistance programs may be available in California, and how to prepare.
See if it fitsRefinance, cash-out & HELOC
Explore lowering your payment, changing your term, or accessing home equity for improvements, debt consolidation or other goals. Results depend on your situation and market conditions.
See if it fits
Payment calculator
See a ballpark monthly payment.
Move the sliders to explore. This is an illustration, not a quote or an offer.
Estimated monthly payment
$0
on a loan of
Principal & interest
Property tax (est.)
Home insurance (est.)
Mortgage insurance (est.)
Illustration only. Assumes property tax of about 1.25% and homeowners insurance of about 0.35% of the home price per year, and mortgage insurance of about 0.6% of the loan per year when the down payment is under 20%. Actual taxes, insurance, HOA dues, rates, fees and eligibility vary and are not guaranteed. This is not a loan offer or commitment to lend.
How it works
Four calm steps, no jargon.
We keep it simple so you always know what happens next.
Tell us your goal
Take the one-minute quiz. No credit check and no obligation.
Get matched
A licensed professional reviews your answers and reaches out using the contact preferences you gave.
Compare options
We walk through programs, costs and trade-offs so you can decide what fits your plans.
Move forward
When you’re ready, we help you take the next step toward pre-approval and your California home.
Meet your broker & loan officer
Jagdish Singh
Licensed California real estate broker · Mortgage Loan Originator
I’m a licensed real estate broker working in the California market. I started as a realtor in 2016, earned my broker’s license in 2019, and have helped hundreds of families buy homes with guidance grounded in local market knowledge.
I’m committed to personalized service for clients across the region, and I’m fluent in English, Hindi and Punjabi.
- English
- हिन्दी
- ਪੰਜਾਬੀ
Landstar Realty Group · DRE Broker License #02110817Jagdish Singh · DRE Broker License #02002912Mortgage Loan Originator · NMLS ID #2734008 · with H.O.M.E. Lending, NMLS ID #235005 
Verify on DRE · Verify on NMLS Consumer Access
Areas we serve
Local guidance across Northern California.
Home loan information for the Central Valley, Tri-Valley, Sacramento and the wider Bay Area, plus Punjabi-language support for anyone who prefers it.
FAQ
Good questions, straight answers.
Does using this site affect my credit?
No. Taking the quiz or using the calculator does not involve a credit check. If you later choose to apply, a credit review may be required and you would be told before it happens.
Is this a loan offer or pre-approval?
No. This site provides general information and helps connect you with a licensed professional. A loan offer, pre-approval or approval can only come after a formal application and underwriting review.
Do you only work in California?
Yes. Our services described here are for properties located in California.
How much down payment do I need?
It depends on the loan program, your finances and the property. Some programs allow low or even no down payment for qualified borrowers, while others require more. A licensed professional can explain what may apply to you.
Who will contact me, and how?
A licensed Landstar Realty Group professional will contact you by phone, text or email using the details you provide and only with your consent. You can opt out at any time by replying STOP to texts or telling us directly.
What do you do with my information?
We use it to respond to your request and provide real estate and mortgage services. We do not sell your personal information for money. See our Privacy Policy for details and your California privacy rights.
Ready to see where you stand?
It takes about a minute, and there’s no obligation.
Start the quick quiz