Mortgage loans in California
Justin Mackler is licensed to originate home loans in California. Here is how a California loan works with him, which programs are available, and a few state rules worth knowing.
How a California loan works with Justin
- Talk it through by phone or with the short form.
- Apply online at the secure application, upload documents, and sign disclosures electronically.
- A local appraiser and a California title or closing professional handle the appraisal and title work.
- Closings take place in California with a local title company, closing attorney, or settlement agent, as state rules require.
Loan programs available in California
- Conventional loans
- FHA loans
- VA loans
- USDA loans
- Jumbo loans
- Refinance and cash-out loans
- Investment and DSCR loans
Availability depends on the property, credit, income, and each program's guidelines. Compare all loan programs.
CalHFA's MyHome Assistance Program is a deferred-payment junior loan for down payment and/or closing costs, paired with a CalHFA first mortgage and available to first-time buyers subject to eligibility through a CalHFA-approved lender. California Housing Finance Agency (CalHFA)
California details to know
- California is a community property state. Under Family Code Section 760, property acquired by a married person during the marriage while domiciled in California is presumed to be community property, regardless of how title is held, unless an exception applies. Source: California Family Code 760
- Counties may impose a documentary transfer tax of $0.55 per $500 of value on property sales, and cities within those counties may add their own tax. Source: Cal. Revenue and Taxation Code 11911
- Owner-occupants can claim the homeowners' exemption, which removes $7,000 from the assessed value. File form BOE-266 with the county assessor by February 15 for the full exemption. Source: California BOE: Homeowners' Exemption
- Many California counties have 2026 conforming limits above the $832,750 baseline. Los Angeles, Orange, San Francisco, San Mateo, Santa Clara, Alameda and Contra Costa are at the $1,249,125 ceiling, and San Diego is $1,104,000. Source: FHFA 2026 county loan limit list
Last reviewed 2026-10-29.
Tell Justin about your California purchase or refinance and he will follow up with real options.
California mortgage questions
Can Justin Mackler help with a mortgage in California?
Yes. Justin Mackler (NMLS# 1648112) is licensed to originate mortgage loans in California through United Direct Lending, Company NMLS# 1749719. You can confirm both licenses on NMLS Consumer Access.
Do I need to meet in person to get a loan in California?
No. The application, documents and disclosures are handled by phone and online from Justin's Boca Raton office. The closing itself takes place in California with a local title company, closing attorney or settlement agent, as state rules require.
Does California's community property law affect my mortgage?
It can. Property bought during marriage while living in California is presumed to be community property under Family Code 760, no matter whose name is on title. Talk with your lender and a California attorney about how title and a non-borrowing spouse will be handled.
Are conforming loan limits higher in California?
In many counties, yes. For 2026, counties such as Los Angeles, Orange, San Francisco and Santa Clara are at FHFA's one-unit ceiling of $1,249,125, while other counties use the $832,750 baseline.
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Share your goal, price or loan amount, credit range, timeline, and your California property, and Justin will follow up personally with real options. Sending the form does not run your credit and is not a rate quote.