Who you'll work with
Ibex Capital, Inc. is licensed to originate mortgage loans in California (NMLS #2288114). Your loan officer works with you directly from pre-qualification to closing.
| Ibex licensed here | Yes. Ibex originates your loan directly. |
|---|---|
| Loan types | Conventional, FHA, VA, USDA, jumbo, 203(k), DSCR |
| Free housing counseling | HUD: 800-569-4287 |
Buying a home in California
Get pre-qualified before you shop so you know your price range and can make a strong offer. First-time buyers in California can often combine an FHA or conventional loan with state or local down payment assistance. Veterans should look at VA loans, and buyers outside major metro areas may qualify for USDA zero-down financing.
Refinancing in California
A refinance can lower your payment, remove mortgage insurance or turn equity into cash. Compare closing costs with your monthly savings to see how long it takes to break even.
Investing in California rentals
DSCR loans let investors qualify on a property's rent instead of personal income.
California questions
What home loans are available in California?
Conventional, FHA, VA, USDA (in eligible areas), jumbo, renovation and investor DSCR loans are all used in California. Which one fits depends on your credit, down payment and the property.
Is there down payment assistance in California?
California's housing finance agency and many local governments offer down payment and closing cost help for qualifying buyers. Programs open and close often, so ask when you apply.
What if I'm behind on my mortgage in California?
Contact your servicer right away and ask about a loan modification or forbearance. Free HUD-approved housing counselors serve California at 800-569-4287. See our guide for homeowners behind on payments.