California dreaming deserves a home.
Altgage is a licensed California mortgage broker. We shop multiple lenders, offer CalHFA down payment help, and answer the phone, from San Diego to Sacramento.
Same-Day Pre-Approval
15–20 Day Close
One Application, Multiple Options
A Top Line Overview
Local Market Snapshot
Typical Home Value
$776,000
Source: Zillow.com
As of June 2026
Median Days on Market
37 Days
Source: Redfin
As of March 2026
Median Household Income
$100,100
Source: U.S. Census Bureau
2024 data
Where We Lend:
Los Angeles, the Bay Area, San Diego, Orange County, and Sacramento. California homes still sell fast, often at or above list price, which is where same-day pre-approval wins the offer.
What We Finance
Whatever You're Financing in California
Buying a home
Buying your first or next home? Same-day pre-approval so your offer stands out in a competitive market.
Refinance
Lower your rate, change your term, or pull cash out. We'll show you the math before you commit.
HELOC
Tap your equity and keep your low first-mortgage rate. Fixed-rate options, funding in as few as 5 days.
Investment properties
Qualify on the property's rental income with a DSCR loan, not your tax returns. We compare 5+ DSCR lenders across California.
You may need less upfront than you think.
Down Payment Help in California
CalHFA programs help first-time California buyers cover the down payment and closing costs.
CalHFA MyHome Assistance
A deferred-payment loan toward your down payment and closing costs, paired with a CalHFA first mortgage. For first-time buyers within income limits.
- No payments until you sell, refinance, or pay off
- For first-time buyers within income limits
CalHFA Dream For All
A shared-appreciation loan toward your down payment, repaid when you sell or refinance. It opens in funding rounds with limited spots.
- Repaid with a share of appreciation when you sell
- Opens in funding rounds with limited spots
CalHFA sets each program's income limits and terms, and they change. Buyers also complete a homebuyer education course. We'll check what you qualify for before you apply. Altgage does not administer these programs.
The Altgage Difference
Why a one-stop tech brokerage beats your bank every time
1
1 day Pre-approval
Submit and get moving the same day — not "a loan specialist will get back to you.
15
15 day closings
A process built to close in days, not the industry-standard month-plus.
0
0 spam calls
No autodialers, no call center — one licensed broker who actually answers the phone.
10+
10+ lender options
We shop 10+ lenders on your loan, so you see more than one bank's price.
A trusted partner for mortgage originations
We work with the best in the business
Realtor partners
We work with agents across California
We partner with buyer's and listing agents statewide who need a trusted partner on the journey home.
Don't see your city? We lend across all of California
Client reviews
Real reviews, straight from Google
Frequently asked questions
You’ve got questions, we’ve got answers
Yes. We offer CalHFA first mortgages with MyHome Assistance, and Dream For All when a funding round is open. These programs are for first-time buyers within CalHFA's income limits, and one buyer must complete homebuyer education. We'll check your eligibility before you apply.
It depends on the county. High-cost counties have higher conforming loan limits, so many loans that look like jumbos still qualify as conforming. Above the county limit, we shop jumbo lenders, including interest-only options.
Under Proposition 13, your base property tax is about 1% of the purchase price, plus local bonds and assessments. After that, the assessed value can rise by at most 2% a year. We include your estimated taxes in every payment quote.
Come in fully pre-approved, not just pre-qualified. We issue pre-approvals the same day and close in 15 to 20 days, so sellers can trust your offer.
Yes. A DSCR loan qualifies you on the property's expected rent instead of your personal income. We compare 5+ DSCR lenders to find your best rate.
