- California Mortgage Specialists
Finance made simple for your dream home.
From first-time buyers to seasoned investors — flexible terms, expert guidance, and quick approvals on every California home loan.
Loan Options
Explore our variety of loan options tailored to meet your financial needs. Whether you are a first-time homebuyer or looking to refinance, we have the perfect solution for you.
Flexible Terms
We offer flexible loan terms to ensure that you can find a repayment plan that fits your budget. Our goal is to make the loan process as smooth and stress-free as possible for you.
Expert Advice
Our team of experienced loan officers is here to provide you with expert advice and guidance throughout the loan application process. We are dedicated to helping you make informed decisions.
Quick Approval
At Cali dream home, we understand the importance of a quick loan approval. Our efficient process ensures that you get the funds you need in a timely manner, so you can move forward with your plans.
What we offer
Loan options for every California story.
HELOC & Refinance
Tap into your home's equity or refinance for better terms — with or without cash out.
- HELOC
- Cash-out
- No cash-out
Jumbo Loans
Financing above conforming limits for premium California properties.
- Up to $5M+
- Competitive rates
2-1 Buydown
Lower your interest rate by 2% in year one and 1% in year two for easier payments.
- Lower year-1 rate
- Seller credits
Non-QM Loans
Flexible underwriting for self-employed borrowers and unique income profiles.
- Bank statement
- DSCR
- Asset-based
Investment Loans
Grow your portfolio with financing tailored to single-family and multi-unit rentals.
- DSCR
- Portfolio
Commercial & Residential
From your forever home to office and retail — we structure the right mortgage.
- SFR
- Commercial
- Mixed-use
Why Cali Dream Home
A mortgage partner that actually picks up the phone.
Trusted expertise
Two decades guiding California buyers through every market cycle.
Quick approvals
Pre-approval in 24 hours so you can move on the right home, fast.
Flexible terms
Repayment plans crafted around your budget — never one-size-fits-all.
Competitive rates
We shop dozens of lenders to bring you the strongest offer available.
How it works
Four simple steps from application to keys.
Quick approvals
Pre-approval in 24 hours so you can move on the right home, fast.
Personal consultation
We match you with the right loan structure.
Underwriting
Documents reviewed by our experienced team.
Close & celebrate
Keys in hand, often within 14 days.
Ready to unlock the door?
Start your application in minutes. One of our loan officers will reach out the same day with next steps.
Cali Dream Home
Loans
- HELOC & Refinance
- Jumbo Loans
- 2-1 Buydown
- Non-QM
- Investment & Commercial
Contact
- (408)931-0371
- adlin_netto@yahoo.com
- California, USA
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