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California VA Loans / California FHA Loans

HCT Bank is the Number 1 Resource Online for California VA Loans and California FHA Loans.

With many financial institutions across the nation, and interest rates changing daily, it is difficult for the average borrower to locate the right California VA or FHA lenders. When working with HCT Bank, we match the details in your application to our portfolios of California VA and FHA lenders. Then we stay with you, until you have the loan SSD (Signed, Sealed and Delivered).á This is much less of a hassle then trying to shop the banks yourself. Let us do the work for you!!

HCT Bank specializes in the following types of California mortgages:

FHA 203k loans /title 1 loans

FHA arm loans /assumable loans

FHA construction loans

FHA government home loans / government loans

FHA home improvement loans

FHA home loans / house loans

FHA hud loans

FHA insured loans

FHA loans

FHA mortgage loans

FHA refinance loans

FHA streamline loans

VA assumable loans

VA construction loans

VA guaranteed loans

VA home improvement loans

VA home loans

VA house loans

VA jumbo loans

VA loans

VA mortgage loans

VA refinance loans

VA streamline loans


HCT Bank is strategically aligned with Most Major Banks in California as well as throughout the United States as well as a large number of California mortgage lenders and mortgage lenders in other states. There are also non-bank "investor pools" that fund loans. Each lender has specific criteria for a "California borrower profile." They all have money that they want to lend to somebody. You could be that somebody!!

You can shop around yourself. To be fair you would have to get all the loan quotes on the same day. In fact when the Stock market has a volatile session, rates can change during the day, so to compare "Apples with Apples", you would need to locate all the California lenders who would be willing to lend you money within the 4 hour morning or 4 hour afternoon period. Only then would you be making a true comparison...and that comparison only lasts until the next overall rate change...which is often the next morning.

We take this almost impossible task and find you the four best-for-your-financial-profile California lenders for your California home financing. So let us do the find-a-mortgage search for you. We can locate:

1. California Conventional Loans (80%)

2. California FHA Guaranteed Loans (97%)

3. RHS (California first time homebuyers loans 100%)

4. All California non-conforming loans.

(Non-conforming means that borrower "ratios" do not conform to Fannie Mae guidelines.) This includes 100% non-conforming loans.

Most lenders also have California mortgage loan programs for California second home loans, for California real estate investors, for California refinance loans / California home equity loans, for California debt consolidation loans, and for foreign nationals wishing to purchase homes in California.

To access our team of mortgage loan specialists, go to our Contact page and email us, or call us at (305) 932-9188. We can then provide you with a mortgage evaluation that best fits your situation.

Click here for a mortgage rate quote.á Click here to go to our home pages and read more about VA / FHA Loans in California or other locations.

HCT Bank helps you get VA Loans & FHA Loans in Los Angeles, San Diego, San Jose, San Francisco, Long Beach, Fresno, Sacramento, Oakland, Santa Ana, Anaheim, Riverside, Stockton, Bakersfield, Fremont, Modesto, Glendale, Chula Vista, Huntington Beach, San Bernardino, Oxnard, Garden Grove, Oceanside, Ontario, Irvine, Santa Clarita, Pomona, Santa Rosa, Moreno Valley, Salinas, Rancho Cucamonga, Fontana, Hayward, Torrance, Pasadena, Corona, Escondido, Orange, Sunnyvale, Fullerton, Concord, Lancaster, Palmdale, Thousand Oaks, El Monte, Vallejo, Simi Valley, Inglewood, Costa Mesa, Downey, West Covina, Norwalk, Berkeley, San Buenaventura (Ventura), Burbank, Richmond, Fairfield, Daly City, Santa Clara, Antioch, South Gate, Visalia, Rialto, Mission Viejo, Compton, El Cajon, Vacaville, Carson, San Mateo, Roseville, Vista, Westminster, Santa Barbara, Citrus Heights, Alhambra, Santa Monica, Carlsbad, Hawthorne, Redding, Whittier, Lakewood, San Leandro, Santa Maria, Buena Park, Newport Beach, Baldwin Park, Lake Forest, Livermore, Elk Grove, Napa, Bellflower, Clovis, Redwood City, Temecula, Alameda, Chino Hills, Lynwood, Upland, Victorville, Mountain View, Chino, Union City, Tustin, Merced, Tracy, Hesperia, Redlands, Pleasanton, Chico, Redondo Beach, Walnut Creek, Pico Rivera, Davis, Milpitas, Montebello, Hemet, Laguna Niguel, Huntington Park, San Marcos, Monterey Park, Turlock, Folsom, Yorba Linda, Lodi, Pittsburg, La Habra, South San Francisco, Encinitas, Gardena, Camarillo, Apple Valley, Diamond Bar, Palo Alto, Manteca, Paramount, San Rafael, San Clemente, Fountain Valley, National City, Petaluma, La Mesa, Rosemead, Arcadia, Indio, Murrieta, Santa Cruz, Santee, Cerritos, Woodland, Glendora, Cupertino, Colton, and Poway

Please click on the Banner Below for a rate quote form a licensed lender or mortgage broker in your area.

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