NMHL offers competitive mortgage rates in California for a variety of loan programs including Conventional, FHA, VA, and Jumbo loans. Rates vary based on market conditions, credit score, down payment, and loan type. Contact us for a personalized rate quote tailored to your situation.

Our average closing time in California is 30-45 days. The timeline can vary based on factors like loan type, property appraisal, and documentation readiness. Our local experts work to streamline the process and keep you informed at every step.

We offer a full range of mortgage products in California including Conventional loans, FHA loans, VA loans for eligible veterans, USDA loans for rural properties, Jumbo loans for higher-value homes, and refinance options. Each program has unique benefits and qualification requirements.

No. NMHL provides a fully digital mortgage experience. You can apply online, upload documents securely, and communicate with your loan officer remotely. Our licensed professionals serve all of California through our digital platform.

Down payment requirements vary by loan type. Conventional loans may require as little as 3% down, FHA loans require 3.5%, and VA loans offer 0% down payment for eligible veterans. We can help you explore down payment assistance programs available in California.