Mortgage Loans in California
A small, licensed team that answers your texts. Shay Yates is licensed as a mortgage loan originator in California, and we help California buyers and homeowners from our Springfield, Missouri office.
Local feel, wherever you are in California
Buying or refinancing in California does not have to feel like dealing with a faceless lender. You will know who is working on your loan, you can reach us by text or by phone, and we explain each decision before you make it.
We are licensed to help borrowers across California, including markets such as Los Angeles, San Diego, Sacramento, and San Jose. Property taxes, insurance, and closing practices can vary by state and county, so we explain what applies where you are buying. We do not guess at your numbers. Not every loan program is available in every area, and all loans are subject to credit and property approval.
Shay is the loan officer licensed in California. Licensing for other team members varies by state, so please start with Shay.
Loans we offer in California
Pick a path to learn more. We will help you find the one that fits.
Home Purchase Loans
Buying a home? We walk you from pre-approval to closing.
Learn moreRefinance
Look at changing your payment, your term, or your equity use.
Learn moreVA Loans
For eligible Veterans, active-duty service members, and surviving spouses.
Learn moreFirst-Time Home Buyers
Clear steps and honest answers for your first home.
Learn moreSelf-Employed Loans
Work for yourself? We help you understand your income and documents.
Learn moreAreas we serve in California
We help buyers across California. These are places we hear about often, and your search can start anywhere.
Sacramento
The capital region has a deep resale market with a wide range of neighborhoods, and price points that can be more approachable than the coast.
Riverside
Part of the Inland Empire, one of the largest housing markets in the country by sales volume. Buyers here often look across several cities at once.
Fresno
The center of the Central Valley and a city where price points tend to run lower than coastal California, with a mix of older homes and newer subdivisions.
Bakersfield
A large Central Valley city with an active new construction pipeline and price points that can be more approachable than many other California metros.
San Diego
A large coastal market with major Navy and Marine Corps installations nearby, including Naval Base San Diego and Camp Pendleton, so VA loans are a regular topic.
In higher cost counties, loan limits are higher than in the rest of the country, and the details can affect which loan types make sense. Home insurance availability can also vary by area, so ask about it early.
First-time buyer help is available in California through California Housing Finance Agency (CalHFA). Program details and participating lenders are set by the agency, so ask us whether you may qualify.
Working with us from anywhere in California
You do not need to drive to Missouri. Most of the process happens from your phone or your couch.
- Step 1
Text or call
Reach us at (417) 849-2430. A real member of our team answers and talks through your goals.
- Step 2
Apply online
Start a secure digital application from your phone or computer. No office visit needed.
- Step 3
Share documents
Upload what we ask for and track your file. We keep you updated at every step.
- Step 4
E-sign and close
Many documents can be signed electronically. Closing is arranged with a title or settlement company in your state.
Trusted Realtors in California
Seats available for preferred agents in California. Are you a local agent? Claim a seat and be listed here.
Disclosure. Realtors listed are independent professionals and are not affiliated with Southwest Funding or True North Yates Group. No fees are paid or received for referrals, and you are free to choose any real estate agent.
True North Yates Group is an Equal Housing Lender and supports fair housing. We do not steer anyone toward or away from any neighborhood, and agents are never listed or described based on who lives in a community. You choose where you live and who helps you buy.
Other states we serve
Ready to talk about a California mortgage?
Text, call, or start your application online. We are here to help.
Or text us anytime: (417) 849-2430
Shay Yates, Loan Officer | NMLS #2172921 | California license: CA-DFPI2172921 | Sponsored by Southwest Funding, LP, NMLS #32139 | Branch NMLS #2424517. Verify at NMLS Consumer Access. Equal Housing Lender.