Explore the Lowest Mortgage Rates and Loan Programs in California!
There are several types of home loans, and understanding your options can make a big difference. We're here to help you choose the one that fits your needs.
No two borrowers are the same—so we build mortgage strategies around you, not the other way around.
What's the Difference Between Fixed and Adjustable Rates?
What's the Difference Between Fixed and Adjustable Rates?
What's the Difference Between Fixed and Adjustable Rates?
A fixed-rate mortgage keeps the same interest rate for the life of the loan, while an adjustable-rate mortgage (ARM) starts lower and adjusts over time.
Are Adjustable-Rate Mortgages Risky and Hard to Secure?
What's the Difference Between Fixed and Adjustable Rates?
What's the Difference Between Fixed and Adjustable Rates?
ARMs can be a smart option for buyers planning to move or refinance before the rate adjusts. At California Home Loan Specialists, we help you weigh the upfront savings against future changes.
Can I Switch from Adjustable-Rate Mortgage to Fixed rate?
What's the Difference Between Fixed and Adjustable Rates?
Can I Switch from Adjustable-Rate Mortgage to Fixed rate?
Yes, refinancing is a great option if you're looking for a more stable loan. We'll help you determine the right timing and terms based on your goals.