Business Details
34 Years
experience
Your Trusted Mortgage Partner in San Rafael, CA
All California Mortgage has been a trusted partner in mortgage lending since 1992, dedicated to providing transparent solutions tailored to individual client needs. Our team of seasoned professionals brings decades of combined experience in purchase loans, refinancing, construction, commercial lending, and reverse mortgages. We prioritize education and informed decision-making, ensuring clients understand all available options while benefiting from competitive rates and terms.Our reputation for quality service is built on a foundation of integrity, industry expertise, and a commitment to evolving with technological and market changes. We maintain strong relationships with diverse mortgage sources to offer comprehensive solutions, treating every client with respect and keeping them informed throughout the loan process. This approach has earned us recognition as a preferred mortgage provider in California and beyond.
Services
Purchase Loans
Refinance Loans
Reverse Mortgages
Commercial Loans
Construction Loans
Tenancy in Common
Private Money Loans
Details
- Year established: 1992
Highlights and features
- We offer 30+ years of mortgage lending expertise with personalized solutions.
- Our team provides transparent guidance through complex mortgage processes.
- Access to diverse mortgage sources ensures competitive rates and terms.
- Dedicated loan specialists prioritize individual client needs and goals.
- Recognized industry reputation for integrity and customer-centric service.
What people say
Best Mortgage Company
Knowledgeable professionals
Transparent solutions
Quality service
Dedicated specialists
Services
Purchase Loans
All California Mortgage offers customized purchase loan programs for primary residences, investment properties, and second homes. Our specialists help clients navigate down payment requirements, interest rates, and closing processes while ensuring compliance with state and federal regulations. We provide access to conventional, FHA, VA, and jumbo loan options tailored to individual financial situations.
Reverse Mortgages
Our reverse mortgage solutions enable homeowners aged 62+ to convert home equity into tax-free funds without monthly payments. We offer HECM programs for seniors seeking supplemental income, medical expense coverage, or home purchase options. Counselors explain loan terms, repayment conditions, and impact on property ownership while maintaining HUD compliance standards.
Commercial Loans
We provide commercial financing for office buildings, retail spaces, and industrial properties. Our programs accommodate various property types with flexible terms for owner-occupied and investment properties. Specialists assist with loan-to-value optimization, debt service calculations, and commercial underwriting requirements for businesses seeking property acquisition or refinancing.
Construction Loans
Our construction loan programs support custom home building and major renovation projects. We offer interim financing with interest-only payments during construction phases, transitioning to permanent mortgages upon completion. Clients receive guidance on budget structuring, contractor coordination, and draw schedule management for residential and light commercial developments.
Refinance Loans
We help homeowners reduce monthly payments, shorten loan terms, or access equity through conventional and government-backed refinance options. Our process includes rate comparison analysis, break-even point calculations, and documentation assistance for rate-and-term or cash-out refinancing scenarios across various property types.
Questions
What mortgage loan types do you offer?
We provide purchase loans, refinancing, reverse mortgages, commercial mortgages, construction loans, Tenancy in Common financing, and private money loans across 49 states.
How can I find a local loan officer?
Use our online directory to locate licensed loan officers in San Rafael, Oakland, Petaluma, and other California locations through our NMLS-registered branches.
Are reverse mortgages a good option?
Reverse mortgages suit seniors 62+ seeking tax-free funds without monthly payments, allowing property retention while accessing equity for living expenses or healthcare costs.
What are your lending areas?
We operate in California with loan officers in 49 states (excluding New York) and the District of Columbia through our American Pacific Mortgage licensing network.
How do I start the mortgage process?
Begin by contacting our San Rafael headquarters or local branch offices to connect with a loan specialist who will guide you through pre-approval and documentation requirements.
