Compare California mortgage pricing from multiple wholesale lenders.
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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
Explore home equity for personal needs, investment property, or business use.
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
Real-estate investment and equity-funded business needs — eligibility depends on the program, property, state, and use of funds.
Business-Purpose HELOC
Eligible homeowners may use primary-home equity to buy a separate investment property or fund business needs, subject to review.
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.
26 loan programs · Equal Housing Opportunity · No rates or terms are offered here
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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.