Find the Perfect Residential Mortgage for Your Dream Home
Explore Our Comprehensive Range of Home Loan Options Across California
Your Trusted Partner in Homeownership
At Lender Capital Group, we understand that buying a home is one of the most significant financial decisions you’ll ever make. That’s why we’re dedicated to providing tailored residential mortgage solutions designed to meet the unique needs of homeowners in California. Whether you’re a first-time buyer navigating the complexities of the housing market or a seasoned homeowner looking to refinance, we are here to offer competitive rates, personalized service, and expert guidance from start to finish.
As one of California’s leading mortgage lenders, we are proud to serve homeowners across the Bay Area, Los Angeles, and beyond. We believe that everyone deserves the opportunity to own a home, which is why we offer a variety of residential loan products, from conventional loans to government-backed FHA and VA loans, jumbo loans for luxury properties, and more.
Service List
- Hard Money Loans
- Multifamily Property Loans
- FHA Loans
- Hospitality Industry Financing
- Office Building Mortgages
- Bridge Loans
- Industrial Property Loans
- Jumbo Loans
- VA Loans
- Commercial Real Estate Loans
- Construction Loans
- Special Purpose Property Loans
- Conventional Loans
- Residential Mortgage Loans
- Retail Property Loans
- HELOC
- Industrial Property Financing
Why Choose Lender Capital Group for Your Mortgage?
Customizable Loan Options
We offer a wide range of loan products to suit your unique financial situation and homeownership goals. Whether you’re purchasing your first home, upgrading to a larger property, or refinancing an existing loan, Lender Capital Group has the perfect solution.
Exceptional Service and Expertise
Our experienced team of mortgage professionals understands the California real estate market inside and out. We guide you through the loan process, from application to closing, ensuring that you receive the most favorable terms and rates.
Competitive Interest Rates
As a leading mortgage lender, we negotiate with top lenders to secure competitive interest rates and terms. Whether you’re looking for a fixed-rate mortgage or an adjustable-rate mortgage (ARM), we work to get you the best deal.
Quick Pre-Approval Process
We know how competitive the housing market can be, and that’s why we make it easy to get pre-approved for a loan. Our streamlined pre-approval process allows you to shop for your dream home with confidence, knowing exactly how much you can afford.
Flexibility with Down Payments
We offer flexible down payment options, including low down payment programs through FHA and USDA loans, as well as zero down payment opportunities for VA loans, making homeownership accessible to more Californians.
Residential Mortgage Loan Qualifications
To qualify for a multifamily property loan, you’ll need to meet the following criteria:
Conventional Loans
Conventional loans are the most common type of mortgage, ideal for buyers with stable income and good credit. They offer competitive rates and a variety of term lengths. | Competitive rates, flexibility in term lengths, can be used for primary residences, second homes, or investment properties.
FHA Loans
FHA loans are backed by the Federal Housing Administration and are designed to help first-time homebuyers or those with lower credit scores. | Lower down payments (as low as 3.5%), lenient credit requirements, ideal for first-time buyers.
VA Loans
Designed for veterans and active-duty military personnel, VA loans offer no down payment and favorable terms for those who have served our country. | No down payment, no private mortgage insurance (PMI), competitive interest rates.
Jumbo Loans
For homes that exceed the conventional loan limits, jumbo loans provide financing for high-value homes, especially in California's luxury real estate markets. | Allows for larger loan amounts, ideal for luxury homes, competitive rates.
USDA Loans
USDA loans are available to homebuyers in eligible rural and suburban areas and often require no down payment. | Zero down payment, lower mortgage insurance premiums, ideal for rural and suburban properties.
HELOC (Home Equity Line of Credit)
A HELOC allows homeowners to borrow against the equity in their home, offering flexibility to use the funds for home improvements, debt consolidation, or other expenses. | Flexible borrowing limits, pay interest only on what you use, ideal for home renovations.
Mortgage Refinancing
Refinancing can help you secure a lower interest rate, reduce your monthly payments, or switch from an adjustable-rate mortgage to a fixed-rate mortgage. | Lower monthly payments, reduce interest rates, pay off your mortgage faster.
Reverse Mortgages
For homeowners aged 62 and older, a reverse mortgage allows you to convert your home’s equity into cash without having to sell your home or make monthly mortgage payments. | Stay in your home while accessing cash, no monthly mortgage payments, maintain ownership of the property.
Benefits of Choosing Lender Capital Group for Residential Mortgages
- Personalized Loan Programs: We recognize that every borrower’s situation is different. That’s why we offer loan products with flexible qualification criteria, including government-backed FHA loans and VA loans, to help more Californians achieve homeownership.
- Transparent Fee Structure: At Lender Capital Group, we believe in full transparency. We ensure that there are no hidden fees, so you can make informed financial decisions from the start. Our team will provide a breakdown of all costs associated with your mortgage.
- Speedy Processing and Closing: We understand the importance of timing when purchasing a home, and our efficient processing ensures your mortgage closes on time. Our experienced team works hard to prevent delays so you can move into your new home as soon as possible.
- Expert Support at Every Step: Our team is here to answer your questions and provide support throughout the home loan process. From selecting the best mortgage option to preparing your application and closing, we are your partners in achieving homeownership.
- Local Expertise: As a Bay Area-based lender with a focus on the California market, we have in-depth knowledge of the region’s housing market. We can provide advice on the best loan products for your needs, whether you're buying in the city, suburbs, or rural areas.
Contact Us Now
Ready to learn more about how Lender Capital Group can help you achieve your real estate goals? Contact us today to schedule a consultation with one of our experienced mortgage professionals.
Address
San Francisco Bay Area, California
Phone
(925) 856-5646
Work Hours
Mon – Fri : 06:00 AM – 09:00 PM