LoansByBill

California Mortgage Guide

Directly Licensed in CA

Select a Loan Program

I am an actively licensed Mortgage Loan Originator in California. Select a program below for state-specific requirements.

California Conventional Loans

Standard mortgage financing for purchasing or refinancing primary, secondary, and investment properties.

View CA Guidelines

California HELOC (Home Equity Line of Credit)

Unlock your home's equity without touching your low primary mortgage rate.

View CA Guidelines

California Reverse Mortgages (HECM)

FHA-insured loans allowing homeowners 62+ to convert equity into cash without required monthly mortgage payments.

View CA Guidelines

California DSCR Investment Loans

Debt Service Coverage Ratio loans for real estate investors based on property cash flow, not personal income.

View CA Guidelines

Run a California loan by a licensed originator

Send the property, the borrower, and the loan you have in mind. What comes back is which program the file actually fits, what it takes to qualify, and where it prices — from Billy Robles, NMLS #2751970.

Both the subject property’s state and your state of residence must be states we are licensed in. We do not service states not currently listed. Estimates are not a commitment to lend.

Licensed in AZ · CA · NV · OR · PA. Tell us where the property is and where you live, and the form will open if we can help.