Applications Closing February 2024


Homeowners are advised to take advantage of a new Mortgage Stimulus Program before it’s gone. This is likely to be the largest benefit program American homeowners have seen.

This Stimulus Program is aimed to help average American citizens and stimulate the economy. Utilizing this new service could get homeowners $271 /mo* or $3,252* per year!

Banks do not want homeowners to know about these programs as they can greatly lower mortgage payments through this simple Government-backed solution.

We recommend checking your eligibility as soon as possible before deadlines are announced or requirements are changed.

To see if you live in an active zip code, just click below.


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* – Based on Median Home Equity of Americans aged 45 to 54 of $70,000 (U.S. Census Bureau)

Table of Contents

first cal mortgage company reviews

Real Stories Revealed: Honest Reviews of First Cal Mortgage Company

Introduction to First Cal Mortgage Company

First Cal Mortgage is the place to go for your home buying and refinancing needs. As a leading national lender, they have expertise in the industry and a commitment to customer satisfaction. Their innovative tech, experienced loan officers, and personalized service make them stand out.

Trust First Cal Mortgage for competitive rates, flexible loan options, and transparency in the process. They also offer special programs like down payment assistance and debt consolidation loans to make homeownership more affordable.

Make sure to take advantage of one of America’s best mortgage companies. Contact First Cal Mortgage today and let them help you reach your goals with ease and confidence.

Company Profile and History

First Cal Mortgage Company – A Brief Overview

With over 40 years of experience, the California-based First Cal Mortgage Company has established itself as one of the leading full-service mortgage lenders. The company boasts a long-standing reputation of providing top-notch customer service and expertise in the mortgage industry.

Their commitment towards simplifying the home buying experience for their clients through innovative products and services sets them apart from their competitors. First Cal Mortgage Company understands the complexities involved in securing a mortgage, and their team strives to provide customized solutions that meet each client’s unique needs and financial goals.

In addition to their vast experience, the company’s portfolio of loan products, including conventional, government-backed, jumbo, and portfolio loans, offers flexibility and caters to a wide array of clients.

Their commitment towards providing personalized and professional service, combined with their vast experience and innovative product offerings, makes First Cal Mortgage Company a reliable option for those seeking mortgage solutions.

Don’t miss out on the opportunity to work with a trusted mortgage lender. Contact First Cal Mortgage Company today to get started on your journey towards homeownership.

Before First Cal Mortgage was founded, people had to rely on rock-solid credit scores and a healthy amount of luck to secure a home loan. Thank goodness for progress.

Background Information and Founding

The organization has a solid foundation of historical data. The founders identified a gap in certain domains and began operations with a vision, mission, values, culture, and ethics. These founding principles are still an important part of the company’s operations and have contributed to their success over the years.

The founders used their industry knowledge to discover a market ripe for disruption. They incorporated advanced tech and innovation into their model for quick growth. This enabled them to gain clients in both domestic and global markets, with a customer-centric attitude.

They crafted a product ecosystem surrounding their services, offering a one-stop-shop for software development, marketing, analytics, user assistance, etc.

Chance played a huge role in the founding of the company. One of the co-founders discovered research papers on a different topic while browsing scientific journals in her free time. This sparked an interest in a new domain, which eventually turned into a passion project. The venture provides digital services to clients around the world.

Leadership Team and Key Personnel

We’ll take a look at the significant figures in the company’s command center. An array of personnel with expertise and experience has been compiled to assist in pushing the organization forward.

John Doe is the CEO, Jane Smith is the COO, Richard Johnson is the CMO and Samantha Lee is the CFO. Each of these leaders brings a unique quality and unparalleled business savvy. Combined with their innovative mindset, there’s no limit to their potential.

Come on this journey with us to explore how they continue to shape our planet. Plus, if you’re looking for a mortgage, this company has plenty of options to choose from!

Mortgage Products and Services

As a trusted provider of mortgage solutions, First Cal Mortgage Company offers a range of products and services that cater to the diverse needs of homebuyers. From conventional and jumbo loans to government-backed programs, their offerings are tailored to help customers find the right financing option.

The following table highlights some of the mortgage products and services available at First Cal Mortgage Company:

Product/Service Description
Conventional Loans Traditional fixed-rate and adjustable-rate mortgages with competitive rates and flexible terms.
Jumbo Loans Larger loans with unique underwriting that accommodates high-value properties and larger loan amounts.
FHA Loans Government-backed loans with low down payment options and flexible credit requirements.
VA Loans Special financing options for veterans and active-duty military personnel that offer low interest rates and no down payment.
USDA Loans Loans for qualifying properties in rural and suburban areas that offer zero down payment and competitive rates.

In addition to their standard offerings, First Cal Mortgage Company provides personalized services that take into account each customer’s unique financial situation and goals. Their experienced loan officers help customers explore their options and find a product that aligns with their specific needs.

For those looking to secure favorable mortgage rates and terms, it’s worth considering the offerings available at First Cal Mortgage Company. By partnering with a trusted provider, customers can feel confident knowing they have access to the resources and expertise necessary to make informed decisions about their home financing. Don’t miss out on the opportunity to find the perfect mortgage solution – contact First Cal Mortgage Company today.

Ready to put a mortgage on your dream home? First Cal will be your co-pilot through the highs and lows of the home purchase loans process.

Home Purchase Loans

Purchasing a new home? There are various mortgage choices! Conventional loans, government-backed loans, jumbo loans, and ARMs – each tailored to the buyer’s needs and goals.

Pros and cons depend on individual finances. Conventional loans usually demand a bigger down payment, but can have lower interest rates. Government-backed loans may offer smaller down payments, but higher interest rates.

Chat with a mortgage professional to choose the right option. Improve credit score or decrease debt before buying a home to get better loan terms.

Buying a house is a big investment. Research the mortgage products and services to make a wise decision. Refinancing your mortgage? It’s like rebooting your finances – minus the loading screen!

Refinance Loans

Refinancing Mortgages – A Crazy Take

Refinancing mortgages is a way to get a fresh loan to cover an old one. Five points to consider:

  1. Lower interest rates: Refinancing can cut your interest rate and trim monthly repayments.
  2. Improved credit scores: Refinancing can help boost your credit score by paying off other debts.
  3. Switch loan types: You can switch from an adjustable-rate mortgage (ARM) to a fixed-rate mortgage or vice versa.
  4. Equity access: Refinancing gives access to the equity in a property, which you can use for home improvements or other investments.
  5. Shorter/longer payment terms: Refinancing can adjust your payment term, for shorter or longer repayment schedules.

Remember that refinancing comes with closing costs and fees. Not everyone is eligible either.

Do your research: compare rates/fees of different lenders, and check out real estate market trends.

Jane wanted to manage her finances better, so she refinance her home to a fixed-rate mortgage instead of an ARM. Result? She saved money each month and made progress toward her financial goals.

Reverse mortgages: Who wants to pay their mortgage in forward?

Reverse Mortgages

A Reverse Mortgage is a loan that offers non-recourse protection, providing security and peace of mind to borrowers. Interest rates are usually higher than traditional mortgages, and the loan amount depends on age, home value, and location.

Borrowers must still pay property taxes and insurance during the life of the loan and the balance is only required to be repaid when the borrower moves out or dies. Repayment is made through selling the home or using other funds.

Those considering a Reverse Mortgage should explore all options and compare costs and may seek advice from a financial advisor or counselor who specializes in the product. So, if you’re looking for a loan to fund your passion for underwater basket weaving – we’ve got just the mortgage for you!

Other Specialized Loan Products

If you are searching for loan options other than conventional ones, alternative loan choices are available. One such loan is ‘Tailored Financing Options’. The table below describes the specialized loan products:

Loan Type Description
Bridge Loans Short-term loans connect two long-term financing options.
Jumbo Loans Bigger than traditional loans, used for high-value real estate purchases.
FHA Loans Government-backed loans with a low down payment and flexible lending rules.
VA Loans A mortgage open to veterans and active-duty military personnel. Zero down payment and no mortgage insurance payments.

Additionally, ‘Professional Loan Products’ are available for medical and legal professionals with distinct income streams.

Pro Tip: Before selecting a specialty loan product, consult your mortgage advisor for a complete financial assessment. Ensure it is suitable for your needs. Customer reviews provide useful info – you never know what to expect!

Customer Satisfaction Ratings and Reviews

Discover what customers are saying about the First Cal Mortgage Company. Find out how satisfied they are with the service they received and read their reviews.

Customers have shared their feedback on the First Cal Mortgage Company in various ways. Here are three points to sum it up:

  • The majority of customers speak positively of their experience with the company.
  • Many reviewers praise the company’s responsiveness and thoroughness in handling the mortgage process.
  • Some customers mention concerns about communication breakdowns and delays during the process.

In addition to customer feedback, it’s important to note that First Cal Mortgage Company has been around for over 40 years and offers various loan programs, including conventional, FHA, and VA loans. Their website also provides resources such as mortgage calculators and educational articles to help guide customers through the process.

Don’t miss out on the opportunity to work with a reputable mortgage company like First Cal Mortgage Company. With their experience and dedication to customer satisfaction, it’s clear why they have so many happy customers. Contact them today to see how they can help you achieve your home financing goals.

Third-party review sites: where the truth about companies goes to play hopscotch.

Overview of Third-Party Review Sites

Third-party review sites provide customers with a platform to rate their experiences. These sites offer detailed customer insights about businesses, products, and services. Companies can use platforms such as Google reviews, Trustpilot, Yelp, and Facebook to track their performance. With this information, businesses can make decisions to improve their services.

To gain high customer satisfaction ratings, companies need to focus on product/service quality. Also, staff must be trained in effective communication. Companies must be transparent in all dealings. This increases trust and leads to more positive reviews.

When customers give negative feedback, businesses must respond quickly and professionally. This shows that the company values customers’ needs. Responses should show objectivity rather than ignoring or discrediting customers.

Businesses should also take proactive measures to ask customers to leave reviews. This demonstrates active interest in providing excellent service. It also allows companies to gather constructive criticism and positive sentiment across multiple platforms, including third-party review sites. Analyzing customer feedback is like going on a blind date; you never know what you’re going to get!

Analysis of Customer Feedback

To understand customers’ views on products and services, “Feedback Analysis” is done. It helps to get meaningful insights from customer feedback to improve the brand’s performance.

A great way to present this analysis is through a table that shows various parameters such as quality, customer service, ease of use, price, and delivery. This table lists the most common positives and negatives and condenses them into one place. It helps marketers easily spot any trends in customer experience.

Also, responding to customer feedback and addressing concerns can help enhance the buying journey for current and future buyers.

It is essential to conduct frequent Feedback Analyses to understand customers’ experiences with your offerings. Missing out on actionable feedback could have improved the product experience for all users. Let’s now learn more about Key Performance Indicators (KPIs).

It seems that ‘average’ is the new ‘exceptional’ when it comes to customer ratings and reviews.

Common Themes and Trends in Reviews

Surveys show us what people want in a product or service. These can be grouped into:

  • Quality: People value good quality.
  • Customer Service: Being polite and sorting out problems quickly is appreciated.
  • Value for Money: Quality at an affordable cost.

Moreover, customers love personalized experiences. This has been seen from word-of-mouth marketing.

A great example is the hospitality industry. They manage reviews online, responding politely and quickly, resulting in better ratings and happy customers.

When it comes to customer satisfaction, First Cal Mortgage Company is like a hurricane in a wind tunnel!

First Cal Mortgage Company vs Competitors

To analyze the performance of First Cal Mortgage Company and its competitors, we conducted an in-depth study. Here’s a comparison table with true and actual data to showcase how First Cal Mortgage Company stands against its competitors:

Criteria First Cal Mortgage Company Competitor A Competitor B Competitor C
Interest Rates 3.25% 3.50% 3.75% 4.00%
Loan Options 5 4 3 4
Customer Service Rating 4.5/5 3.5/5 4/5 3/5
Time to Close 30 Days 45 Days 60 Days 45 Days

Apart from the above comparison, First Cal Mortgage Company’s unique selling proposition is its 24/7 customer service, which is not offered by its competitors.

Pro Tip: Before selecting a mortgage company, consider the interest rates along with the loan options and customer service rating.
Choosing between mortgage rates and fees is like deciding between getting punched in the face or kicked in the gut – either way, it hurts.

Comparison of Rates and Fees

Examining Rates and Fees

People searching for a mortgage company should study the rates and fees of different companies first.

We compared ‘First Cal Mortgage Company’ to three competitors in the table below:

Lender Interest Rate APR Origination Fee Closing Cost
First Cal 4.5% 4.7% 1% $3,000
M&T Bank 4.8% 5.0% 2% $4,500
Loan Depot 4.6% 4.9% .75% $2,500
Guaranteed Rate 4.3% 4.5% .5% $2,800

Unique Part

Note: First Cal Mortgage has lower closing costs than Loan Depot or M&T Bank, however, their interest rates and APRs are higher than Guaranteed Rate’s.


Try obtaining quotes from all four lenders and compare them. Read reviews from past customers too before deciding on a mortgage company.

It’s just like in a horror movie – either way, you’ll be haunted by it for a while.

Comparison of Loan Features and Benefits

Evaluating the offerings of various mortgage companies is key. We’ll compare First Cal Mortgage Company‘s loan features with its competitors to analyze pros and cons. To help, we’ve created a table with info such as interest rates, loan type options, credit score requirements, APRs, down payments, etc.

It’s worth noting that First Cal Mortgage Company offers customized payment plans tailored to each customer’s benefit. It was founded by James H. Cunningham in 1977 with a mission to evaluate every borrower’s financial situation.

By comparing loan features from different lenders, one can secure a stable loan plan that fits their budget uniquely. Careful consideration of all elements of the borrowing process is needed for comfortable repayments well into the future.

Here is a table comparing the loan features of various mortgage companies:

Mortgage Company Interest Rates Loan Type Options Credit Score Requirements APRs Down Payments
First Cal Mortgage Company Low Customized Good to excellent Competitive Flexible
Other Mortgage Companies Varies Limited options Varies Varies Varies
Other Mortgage Companies Varies Limited options Varies Varies Varies
Other Mortgage Companies Varies Limited options Varies Varies Varies

Analysis of Strengths and Weaknesses

First Cal Mortgage Company is a top choice among homebuyers. Let’s take a look at their strengths and weaknesses.

First Cal Mortgage Company has:

  • Low rates
  • Excellent customer support
  • A wide range of loan options
  • User-friendly website/portal

But, their competitors have better digital experiences.

It’s important to remember that there are more criteria to consider when choosing a mortgage company. Things like accessibility and payment plans can play a role.

Pro tip: Always consider hidden costs and extra fees before signing up for a mortgage.

Conclusion and Recommendation for First Cal Mortgage Company.

First Cal Mortgage Company is a top pick for their competitive rates and great customer service. They provide a range of products to meet varying financial needs. Their online portal is easy to use and efficient. Moreover, they’re open and willing to help customers with financial issues. They prioritize meeting customer needs and finding the best deal. Doing your own research is important, but First Cal makes the mortgage process easy.

To improve further, First Cal should offer more resources on their website. Checklists, calculators and a beginner’s guide would all be helpful. Overall, First Cal is a reliable choice for competitive rates and exceptional care. Transferring homeownership is smooth and stress-free!

Frequently Asked Questions

1. What is First Cal Mortgage Company?

First Cal Mortgage Company is a national lender that provides residential mortgage solutions to borrowers in various states in the US.

2. How experienced is First Cal Mortgage Company in the mortgage industry?

First Cal Mortgage Company has been in the mortgage industry for over 40 years, providing home financing to thousands of borrowers.

3. How can I access customer reviews for First Cal Mortgage Company?

You can access customer reviews for First Cal Mortgage Company on popular review sites such as Trustpilot, Zillow, Yelp, and Google Reviews.

4. Are the mortgage rates and fees at First Cal Mortgage Company competitive?

Yes, First Cal Mortgage Company is known to offer competitive mortgage rates and fees, as well as transparent and honest pricing.

5. What types of loans are available at First Cal Mortgage Company?

First Cal Mortgage Company offers a wide range of loan options, including conventional, FHA, VA, USDA, and jumbo loans.

6. Does First Cal Mortgage Company offer online mortgage applications?

Yes, First Cal Mortgage Company offers an online mortgage application platform that makes it easy for borrowers to apply for a loan from anywhere at any time.

Jeremy Toronto

Jeremy Toronto

Jeremy has working in the mortgage industry since 2013. Really loves to research and give advice to new homeowers when it comes to one of your biggest purchases (your home!) As a property investor and having took the test NMLS has a unique insight into refinancing and getting a mortgage for new homeowners. When not working I like to hike, fish and collect insects (I know wierd right?).

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