CA
Mortgage financing in California
Cole Moser is licensed to originate residential mortgages in California through West Capital Lending, Inc. Purchase, refinance, and home equity financing on California property.
Programs available in California
Program availability and pricing vary by the state where the financed property sits. The list below is the starting point, not a guarantee of eligibility on a specific property.
Conventional
Competitive pricing, jumbo, HomeReady, Home Possible, down payment assistance, and renovation options. Down payments as low as 3%.
Learn moreFHA
3.5% down, lower credit score thresholds, down payment assistance, $100 Down, and Good Neighbor Next Door.
Learn moreVA
Zero down, no monthly mortgage insurance, flexible credit, and the VA IRRRL streamline refinance for veterans.
Learn moreNon-QM / Investor Loans
DSCR, bank statement, 1099, hard money, bridge, foreign national, ITIN, commercial, and mixed-use. If you were told no elsewhere, start here.
Learn moreHELOC / HELOAN
Home equity lines, fixed home equity loans, and second and third lien options — without disturbing your first mortgage.
Learn moreReverse Mortgage
Convert home equity into income without a monthly mortgage payment. Designed for homeowners 62 and older.
Learn moreLicensing
Cole Moser — NMLS# 1719967 · DRE 02245349
West Capital Lending, Inc. — NMLS# 1566096
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NMLS Consumer Access