Licensed in California · NMLS #362311
EZOnline MortgageCalifornia Home Loans
(818) 305-6704Apply now
EZOnline MortgageCalifornia Home Loans
Apply
California’s home-loan experts

Home loans that
actually feel human.

Explore your options, get a personalized estimate, and start your mortgage journey online — guided by a California team that picks up the phone.

What’s your goal today?
No credit impact to explore · takes about 3 minutes
20+ years of California lending experience NMLS #362311
family · new home · golden hour
california bungalow
Pre-qualified
in under a week
20+ years
of lending experience
Same-day
pre-approvals
21 days
avg. time to close*
Bank-grade
data encryption
Loan options

A full range of California home loans

Whatever your goal, there’s likely a path that fits. Compare options and see what may work for you — no impact to your credit to explore.

Most popular

Conventional

Flexible fixed & adjustable options for primary, second, and investment homes.

See your options

FHA

Lower down-payment paths that can work for first-time California buyers.

See your options

Jumbo

Financing above conforming limits for higher-value California markets.

See your options

HELOC

Tap home equity with a flexible line for renovations or big goals.

See your options

Refinance & Cash-out

Explore options to adjust your term, payment, or access equity.

See your options

Adjustable-rate (ARM)

A lower introductory period for buyers with a shorter time horizon.

See your options
Calculator suite

Run the numbers before you talk to anyone

Estimate a monthly payment, test a refinance, or see how much equity you could tap — all in your browser, with no pressure and no credit pull.

PaymentAffordabilityRefinanceCash-outFHAHELOCARMRent vs. buyDTIBuydownAmortization+5 more
Home price$850,000
Down payment20%$170,000
Sample rate6.250%
Loan term
Estimated monthly payment
$4,945/mo
Principal & interest$4,187
Est. property tax$510
Est. homeowners ins.$248
Loan amount$680,000 · 80% LTV

For illustration only. Not a loan offer, approval, or rate lock. Actual terms depend on your full application and underwriting review. NMLS #362311.

How it works

A clear path from “just looking” to keys in hand

Every step happens online and stays visible in your portal — so you always know what’s done, what’s next, and who’s on it.

1

Start online

Tell us your goal and a few basics. Save and resume anytime — no commitment.

2

Upload securely

Add documents from your phone or desktop into your encrypted vault.

3

We review your file

A licensed California team reviews everything and requests anything missing.

4

See your options

Review personalized options and clear next steps in your borrower portal.

5

Track to closing

Follow each milestone, eSign disclosures, and watch your progress to close.

Borrower portal

Your whole loan, in one secure place

Resume your application, upload documents, eSign disclosures, message your team, and watch every milestone — on any device, around the clock.

Bank-grade encrypted document vault
Borrower-safe status alerts & reminders
eSign disclosures and review requested items
Maria’s purchase
Loan #CA-204871 · San Diego
In review
Application
Documents
3Review
4Approval
5Closing
Your next steps
Upload 2 recent pay stubsRequested
eSign your initial disclosuresReady
Verify homeowners insuranceUp next
For real estate partners

Co-branded tools that make you look great

Share co-branded calculators and landing pages with your clients, and get clear, compliant updates on your referrals — without ever touching private borrower data.

Co-branded pages & calculators
Referral milestone visibility
Privacy-safe by design
Marketing assets ready to share
EZOnline MortgageCalifornia Home Loans
JR
Jordan Reyes
Coastal Realty
Affordability for your buyer
Estimated comfortable price
$725,000
San DiegoConventional
Learn

Questions, answered honestly

No jargon, no pressure. Just clear answers from a California team that does this every day.

20+ years helping California homebuyers
Visit the learning center

Exploring estimates and using our calculators won’t affect your credit. A full application later may involve a credit review — we’ll always tell you before that happens.

It depends on the loan program and your goals. Some paths allow lower down payments; our affordability calculator can help you explore what may fit.

Yes. Your application saves automatically, and you can resume anytime from your secure borrower portal on any device.

Your documents live in a bank-grade encrypted vault. We use role-based access and audit logging, and we never sell your data.

Ready to see what may fit your goals?

Start your mortgage journey in minutes. Explore options with no pressure, and no impact to your credit.

Start my application Talk to a CA loan expert
CallStart my application