Top notch products at wholesale prices. We work with a network of wholesale lenders bringing you the best rates.

Specializing in Home Loans for
  • First-Time Buyers
  • Teachers
  • Gov't Employees
  • Public Servants
  • Veterans
  • Reverse Mortgages
  • Low Down Payment

VA Loans
CalSTRS Loans
1% Down Loans
Reverse Mortgages

Network of Wholesale Lenders

We utilize a large network of wholesale lenders to provide our California clients the best rates and lowest cost for their next home loan. Banks are limited to their own loan products and have much larger fees.

We're Home Loan Experts

Our only focus is originating home loans. We study market trends to ensure our clients get the best rate on any given day whereas banks offer home, auto, and many other financial services. You can't be great at one thing if you're doing many other things.

Customized Loan Programs

We specialize in unique situations  like low FICO scores, low down payment, down payment assistance, first-time home buyers, Home Ready, Home Possible, Reverse Mortgages and more. We work to find loan programs to suit your unique situation.

Enhanced Customer Service

We work nights and weekends to accommodate our customer's schedules. Our loan officers are working around the clock, not just M-F from 9-5pm.

Client Centered Approach

We listen to your needs and what you are working to accomplish and then we find the best loan program for you, not the other way around.

We're Less Expensive

Working with us to find you a wholesale mortgage is less expensive then working with a retail bank. Firstly, we offer wholesale rates that you can't get from a big retail bank. Secondly, we don't have the overhead costs that big banks have, which allows us to pass the savings to our clients.

We have great loan programs for first-time buyers. We will walk through the entire process from qualification to closing.

It seems too good to be true, but we offer our California clients a true 1% down, 30 year fixed, low rate program. In this program, you put down 1% of the purchase price and the lender gifts you 2% with no strings attached. Set up a consultation to see if you qualify.

Conventional conforming loan with Fannie Mae or Freddie Mac with or without PMI.

Home loans for teachers and public servants at a huge discount. Whether active or retired, we have a loan to suit your unique needs. Set up a consultation.

For the special individuals that serve our great country. We have great pricing on our VA purchase and refinance products.

Our FHA purchase and refinance products are offered with wholesale rates. FHA home loans offer low down payment, low rates and low closing costs.

Our Jumbo loans are tailored to meet your needs. We have Interest Only options along with the standard fixed and ARM products.

The USDA Rural loans offers a $0 down if the property is in an eligible area. Here's a lookup tool to see if a property is eligible. Add the complete address for accuracy:

Eligibility Lookup

Are you looking to utilize you monthly cash flow to reinvest elsewhere? Try one of our ARM products.

A California Reverse Mortgage through our wholesale channels will allow you to utilize your homes equity and never make another mortgage payment again.

Learn More. Schedule a Consultation.

Utilize your homes equity and payoff your student loans. Guidelines have changed to allow borrowers to access equity to payoff student debt without a hassle.

Premier Home Mortgage of California has relationships with the
  • top
  • best
wholesale lenders in the U.S.

The well established relationships we have with our lending partners allows us to offer our clients top notch products at wholesale prices. A true savings from what retail banks will offer on any given day!

Buy with just 1% down payment

What Our Clients Say About Our Service

Qualify For A Home Loan Today

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