Home loans for all of California.
Buy, refinance or take cash out. Talk to a licensed loan officer today.
Home First Financial is a registered trade name of CalHFF, Inc., NMLS 2465048. Licensed by the California Department of Real Estate, license 02210955. Equal Housing Opportunity. NMLS Consumer Access
Loans we do
We're a mortgage broker, so we shop your loan for you.
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Interest-only Pay just the interest at first. Pay down principal when you want. -
Buy before you sell Buy your next home first, then sell the old one. -
Self-employed Qualify with bank statements, a P&L or your savings. -
Low down payment You may need less saved than you think. -
First-time buyers We'll walk you through it, start to finish. -
VA loans For veterans and service members. -
Refinance See if a new loan lowers your payment. -
Cash out Turn some of your home's equity into cash.
Also: Reverse mortgage to buy · Rental property · Gift money from family · Lower payments the first years · Turned down elsewhere · Waiting on rates
Every loan is subject to qualification. Terms and fees vary by loan. Not a commitment to lend.
Today's rates
Our posted rates, with the APR beside each one. If a posting gets old, we hide the numbers and ask you to call.
Latest posted rates
Posted Fri, Oct 9
| Loan | Rate | APR |
|---|---|---|
| 30-year fixedSame payment for 30 years | 7.375% | 7.424% |
| 15-year fixedPaid off in 15 years | 6.875% | 6.954% |
| 40-year fixed, interest only for the first 10 yearsInterest only for 10 years, then principal and interest for 30 years | 7.625% | 7.764% |
| 30-year FHAA government-insured loan | 6.990% | 7.624% |
| 30-year VAFor eligible veterans | 6.990% | 7.225% |
For a $750,000 primary home in California, 25% down, 780 credit, 0 points.
Today's rate: call us. We only show rates we've posted recently. Call (714) 881-3383 for today's numbers.
What these rates assume
Home First Financial's posted rates, as of Friday, October 9, 2026. The 15- and 30-year fixed rates and the 40-year interest-only rate are based on the purchase of a $750,000 single-family home or condo, primary residence, in California, with 25% down, a 780 credit score and 0 discount points. The FHA and VA rates are based on the same purchase with the minimum down payment (3.5% for FHA, 0% for VA), a 740 credit score and 0 discount points. The APR includes estimated lender fees. 30-year fixed: 360 monthly payments of principal and interest. 15-year fixed: 180 monthly payments of principal and interest. 40-year: the minimum payment is interest only for 10 years, then the balance is paid off over the remaining 30 years at the same fixed rate; it needs at least 10% down and a 740 credit score. If you pay no extra principal, the payment after the interest-only years is higher than the interest-only payment. Your rate, APR and payment depend on the loan amount, down payment, credit and property. Rates change without notice. Not a commitment to lend.
Our loan officers
Licensed across California. Call, text or apply online with any of us.
How it works
- 1ApplyOnline in about 15 minutes, or on a call with your loan officer.
- 2Get pre-approvedKnow what you can spend before you shop.
- 3CloseMost purchases close about thirty days after the seller says yes.
Already have a quote?
Send us your Loan Estimate, and a loan officer will compare it with what we can do.
Questions
Where does Home First Financial lend?
All of California. Our loan officers are licensed statewide, and most of a loan happens by phone and email. Meet us at the main office in Tustin, or at a desk by appointment.
Will talking to a loan officer hurt my credit?
No. A conversation doesn’t touch your credit. A full application includes a credit check, and your loan officer tells you before that happens.
How long does it take to buy a home?
Most purchases close about thirty days after the seller accepts your offer. Getting pre-approved first can take a few days.
What if another lender already said no?
Talk to us anyway. A lot of “no” answers really mean “not with that loan.” We look across loan types, not just one.
What is an APR?
The APR is the yearly cost of the loan, with the interest rate and some fees rolled in. That’s why we show it next to every rate.