California Mortgage Services
Expert Mortgage Solutions for Homebuyers Across the Golden State
Snap Mortgage is proud to serve homebuyers and homeowners throughout California. From the beaches of San Diego to the tech hubs of the Bay Area and the suburbs of Sacramento, we’re here to provide smart, straightforward mortgage solutions for every stage of life. Whether you're a first-time homebuyer or refinancing an existing loan, we’re committed to helping you navigate the California real estate market with ease.
Why California?
California offers one of the most dynamic and diverse housing markets in the country. From oceanfront living to mountain retreats, the state has something for everyone. With strong job markets in cities like Los Angeles, San Francisco, San Diego, and Sacramento, it remains a top destination for both primary residences and investment properties. Let Snap Mortgage guide you to the right loan product for your needs in this competitive landscape.
Local Knowledge That Works in Your Favor
Buying a home in California comes with unique challenges—higher property values, stricter zoning regulations, and more complex lending requirements. Our team understands these intricacies and can offer insight specific to California’s housing market. Whether you're purchasing in the Bay Area, Orange County, Palm Springs, or Fresno, Snap Mortgage delivers the local expertise you need.
California Mortgage Options
Fixed Rate Mortgages
Lock in a consistent monthly payment for 10, 15, 20, or 30 years—ideal for long-term stability in high-cost markets like Los Angeles or San Diego.FHA Loans
Popular with first-time buyers across California, FHA loans offer low down payments and flexible credit requirements.VA Loans
Serving California Veterans and active-duty military personnel with 0% down financing and no private mortgage insurance (PMI).USDA Loans
For buyers in eligible rural or suburban areas, such as parts of Riverside, Bakersfield, or Chico, USDA loans offer zero down payment options.Jumbo Loans
Perfect for high-value homes in Silicon Valley, Orange County, or Santa Barbara. Our jumbo loans provide flexible financing beyond conventional loan limits.First Time Home Buyer Programs
Affordable, accessible loan options with low down payments designed for buyers new to the market.Low Down Payment Options
Own a home in California without a 20% down payment. We’ll help you explore all available programs.Investment Property Loans
Purchase a rental property or second home in top California markets—from vacation homes in Tahoe to rental properties in Sacramento.
Refinance Options in Texas:
Refinance
Lower your monthly payments or reduce your loan term, available for homes across California.Cash-Out Refinance
Tap into your home equity for home improvements, debt consolidation, or major expenses. Especially beneficial in areas with strong property appreciation like San Francisco and Irvine.VA Loan Refinance
Use a streamlined or cash-out refinance to improve the terms of your current VA loan with little to no out-of-pocket costs.
MEET OUR CALIFORNIA MORTGAGE TEAM:
GARY EAKIN
CEO/MORTGAGE LOAN OFFICER
NMLS#: 2112800
At Snap Mortgage LLC, we are committed to serving you. Founded and operated by Gary Eakin, a United States Air Force Veteran and mortgage process expert with over 25 years of experience, Snap Mortgage LLC was built on the principles of trust, transparency, and personalized service.
Why Choose Snap Mortgage LLC in California?
With over 25 years of experience, our team delivers personalized service and clear guidance through every step of the mortgage process. We’re a veteran-owned business dedicated to serving our community with integrity, transparency, and care. Whether you're buying a condo in Downtown LA, a starter home in Sacramento, or refinancing a luxury property in Napa, Snap Mortgage makes financing simple, fast, and stress-free.
Let’s make homeownership in California possible. Whether you're purchasing, refinancing, or investing, our team is ready to help you take the next step with confidence.
Contact Us Today
Let Snap Mortgage LLC help you find the right mortgage solution for your California home.
Begin your journey with a stress-free experience!