Today's Best Mortgage Rates in California
Compare live rates from 40+ wholesale lenders. No credit pull. No obligation. Get your personalized quote in under 60 seconds.
30-Yr Fixed
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15-Yr Fixed
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FHA 30-Yr
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VA 30-Yr
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5/1 ARM
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Rates as of Mon, Jun 1, 2026, 9:40 AM PDT
Our rates run consistently lower than Bankrate & competing lenders — and unlike offers that advertise a lower rate with up to 3% in hidden buy-down fees, ours come with zero cost and zero buy-down fees.
No obligation · No credit check · Takes 60 seconds
SSL Secured
256-bit encryption
5-Min Response
Business hours
No Credit Pull
Soft inquiry only
NMLS #2221613
CA Licensed Broker
5-Star Rated
Google Reviews
No Obligation
Free quote always
Wholesale Lender Network
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Our Programs
Loan Programs for Every Borrower Situation
Whether you are a first-time buyer, a veteran, self-employed, or a real-estate investor, we have a loan program designed for your situation.
Conventional Loans
Purchase and refinance options with fixed and adjustable-rate programs. Ideal for W-2 borrowers and standard qualifying scenarios with solid credit and fully documented income.
Check My Conventional OptionsFHA Loans
First-time buyer friendly programs with lower down payment flexibility and more flexible credit profile review. We guide you through every step of the FHA process from application to closing.
See My FHA OptionsSelf-Employed / Alt Doc
Bank statement programs and alternative documentation options for business owners, independent contractors, and commission-based earners. When tax returns understate your actual cash flow, we have options.
See If I Qualify Without Tax ReturnsIncome & Job Verification
Recent job transitions, variable income, or complex documentation — we review each scenario individually with a loan specialist rather than applying a one-size-fits-all approach.
Review My ScenarioVA Loans
VA purchase and refinance options with veteran-focused guidance. Zero-down benefits for eligible borrowers. We work with veterans to navigate the VA loan process from start to finish.
Check My VA EligibilityInvestor Loans
Programs designed for real-estate investors with multiple properties. Rental income and property cash flow review for borrowers whose tax returns show high write-offs that reduce qualifying income on paper.
Review My Investor Loan OptionsLoan Programs
A Loan for Every Borrower
Whether you're a first-time buyer, veteran, investor, or self-employed — we have the right program for you.
Conventional
- 3% minimum down payment
- No upfront MIP
- Best rates for 740+ credit
FHA Loans
- 3.5% down, 580+ credit
- Gift funds accepted
- Flexible debt ratios
VA Loans
- 0% down payment
- No PMI — ever
- Competitive rates for veterans
Cash-Out Refi
- Up to 80% LTV
- Tax-deductible interest
- Consolidate debt or renovate
HELOC
- Interest-only draw period
- Revolving line of credit
- Only pay on what you use
Non-QM / DSCR
- Bank statement income
- DSCR investor loans
- No tax returns required
APR figures are illustrative estimates based on current market conditions and a well-qualified borrower. Actual rates vary by credit score, LTV, loan amount, and property type. Not a commitment to lend. NMLS #2221613.
Not Sure What You Can Afford?
Use our free mortgage affordability calculator to estimate your home buying budget in minutes.
"Saved us $400/month vs. our bank"
"We were quoted 7.5% by our bank. Options Home Loans came back with 6.875% — that's $400 less per month on our $750k purchase. The team was responsive, explained everything clearly, and we closed in 18 days. Absolutely recommend."
— Sarah M.
Irvine, CA · March 2025
"VA loan done right — zero down, zero hassle"
"As a veteran, I've heard horror stories about VA loans falling through. Not here. The team knew the VA process inside and out, handled every document, and we closed on time. Zero down, no PMI, and a rate I couldn't find anywhere else."
— James T.
San Diego, CA · January 2025
"Self-employed and got approved — finally!"
"Two years of tax returns showing write-offs meant every bank turned us down. Options Home Loans found a bank statement program that worked perfectly. We're homeowners now after 3 years of trying. This team changed our lives."
— Linda & Carlos R.
Los Angeles, CA · April 2025
Why Choose Us
Why Borrowers Choose Options Home Loans
Multiple Loan Programs
Conventional, FHA, VA, bank statement, and investor cash-flow options under one roof.
Non-Traditional Income Expertise
We specialize in borrowers who do not fit standard underwriting boxes.
Experienced Loan Team
Direct access to loan officers who review your full picture, not just a credit score.
Irvine, CA Based
Local mortgage professionals serving Southern California borrowers.
Get Your Personalized Rate
No credit pull · No obligation · 60-second quote
Step 1 of 3 — Property Details
What are you looking to do?
SSL Secured
256-bit encryption
5-Min Response
Business hours
No Credit Pull
Soft inquiry only
NMLS #2221613
CA Licensed Broker
5-Star Rated
Google Reviews
No Obligation
Free quote always
About Us
About Options Home Loans LLC
Options Home Loans LLC is a licensed mortgage broker based in Irvine, California. We work with borrowers across Southern California — from first-time homebuyers using FHA programs to self-employed borrowers, veterans, and real-estate investors who require alternative qualification approaches.
Our team reviews each borrower's complete financial picture to identify the right loan program for their situation. We do not apply a one-size-fits-all approach — we work to find the program that fits you.
Google Reviews
Based on 47 Google Reviews
"Kevin got us a rate 0.5% lower than our bank. Closed in 22 days. Highly recommend."
— Michael T.
"As a self-employed buyer I was nervous. Options Home Loans made it seamless — bank statement loan, no hassle."
— Sarah L.
"Used my VA benefit for the first time. Kevin walked me through every step. Zero down, closed fast."
— James R.
Ready to get started? Call (949) 939-1622 or submit your information online.