California mortgage rates starting in the 5s.*
Tell us 3 numbers. We'll show you the lowest rate you can buy down to today — straight from multiple wholesale lenders, no login, no credit pull.
Estimated. No credit pull. Updates as you type.
Programs we place
Conventional, FHA, VA & USDA · Jumbo & high-balance · Bank-statement & self-employed (Non-QM) · DSCR & investor rental · Bridge, fix & flip. Licensed in California for all programs; business-purpose and investor financing available nationwide.
Rates shown are indications for the scenario you entered — not an offer, quote, approval, pre-approval, rate lock, or commitment to lend. Your actual rate depends on a complete file, credit, property, and program guidelines. Equal Housing Opportunity.
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Find the right loan program
From first homes to investment and commercial deals — start with the program that fits, and a Golden Gate specialist will map out your options.
Home Loans
Buying or refinancing a home you'll live in — conventional, government, and jumbo options.
Conventional / Conforming
The standard home loan for salaried and well-qualified buyers.
FHA Loan
Government-backed financing with flexible credit and low down payment.
VA Loan
A benefit earned by service members, veterans, and eligible spouses.
USDA Rural
Financing for eligible rural and suburban homes.
Jumbo Loan
Financing above the conforming loan limit.
Rate & Term Refinance
Restructure your existing mortgage's rate or term.
Cash-Out Refinance
Tap your home equity for a defined purpose.
HELOC / Home Equity
A line of credit or second loan against your equity.
Self-Employed & Flexible Income
For business owners and complex-income borrowers who don't fit a standard W-2 file.
Bank Statement Loan
Qualify on deposits instead of tax returns.
Asset Utilization / Depletion
Qualify on your assets, not monthly income.
Foreign National
Financing for buyers without U.S. credit or residency.
1099 / Self-Employed
Built for contractors and business owners.
Non-QM Jumbo / Complex Income
Large loans for borrowers with intricate finances.
Physician / Professional
Tailored terms for doctors and select professionals.
Investor & Business-Purpose
Non-owner-occupied real-estate investment financing — available nationwide.
DSCR Rental
Qualify on the property's rent, not your personal income.
Fix & Flip / Rehab
Short-term capital to buy, renovate, and sell.
Bridge Loan
Short-term financing to move quickly between deals.
Ground-Up Construction
Financing to build from the dirt up.
Rental Portfolio
Finance multiple rentals under one loan.
5–9 Unit Multifamily / Mixed-Use
Financing for small multifamily and mixed-use buildings.
Commercial
Owner-user and investment commercial property financing.
Commercial Bridge
Short-term capital for a commercial property play.
SBA 504 / 7(a)
Owner-user commercial property with a low down payment.
Commercial Permanent / DSCR
Long-term financing for stabilized commercial property.
Owner-Occupied Commercial
Buy or refinance the building your business operates in.
Commercial Refinance / Cash-Out
Refinance a commercial property, or take out equity for a purpose.
25 loan programs · Equal Housing Opportunity · No rates or terms are offered here
Questions borrowers ask
Rates are estimated from daily lender pricing, your scenario inputs, loan amount, estimated FICO range, down payment, occupancy, loan purpose, and applicable loan-level price adjustments.