Business Details
Trusted Mortgage Brokers in Los Angeles
California Capital Mortgage Bank has built a reputation as a full-service mortgage broker specializing in diverse loan solutions for residential and commercial borrowers. Our team of highly trained loan specialists works with top-tier banks to provide competitive pricing and personalized service tailored to unique financial situations. With expertise in non-traditional lending programs, we assist self-employed individuals, real estate investors, and businesses that require alternative financing options beyond conventional mortgage products.Our commitment to compliance ensures all loans adhere to federal, state, and local regulations while maintaining an equal opportunity lending approach. Through common-sense underwriting and flexible documentation requirements, we help clients secure financing for investment properties, primary residences, and commercial ventures across California and beyond.
Services
DSCR Loans
Non-QM Loans
Traditional Mortgages
Commercial Loans
SBA Loans
Private Money Loans
Highlights and features
- We offer DSCR loans requiring no income documentation
- We provide Non-QM loans with bank statement verification
- We have access to SBA 7(A) and 504 loan programs
- We facilitate private money loans for urgent financing needs
- Our team works with top commercial banks nationwide
Associations and certifications
- DBO License #60DBO45483
- NMLS #1469907
Services
DSCR Loans
DSCR Loans enable real estate investors to qualify based on property rental income rather than personal tax returns. These loans offer up to $3.5 million financing with 85% LTV for purchases or refinancing. Ideal for investors with multiple properties seeking streamlined qualification processes without traditional income documentation requirements.
Non-QM Loans
Non-QM Loans provide flexible qualification options for borrowers outside conventional mortgage guidelines. Available with bank statements, 1099 income, or asset-based verification, these loans offer up to $4 million financing with 90% LTV. Designed for self-employed individuals and investors with unique financial situations.
SBA Loans
SBA Loan programs deliver government-backed financing for commercial real estate and business operations. Options include 7(A) loans up to $5 million, 504 loans for long-term fixed-rate financing, and working capital solutions. These programs offer favorable terms and reduced down payment requirements for qualified businesses.
Commercial Loans
Commercial Loans provide funding for income-producing properties and business operations. Available for multi-family, office, retail, and industrial properties with flexible underwriting criteria. Specialized programs support operating expense financing without property collateral requirements for established businesses.
Private Money Loans
Private Money Loans offer fast funding solutions through a network of private lenders. These short-term loans require no minimum credit score or income verification, making them ideal for distressed property rehab projects or borrowers with recent credit challenges needing immediate capital access.
Questions
What loan programs do you specialize in?
We specialize in DSCR, Non-QM, SBA, commercial, private money, and traditional mortgage loans with flexible underwriting for unique financial situations.
Can I qualify without tax returns?
Yes, our DSCR and Non-QM loan programs allow qualification using rental income or bank statements instead of traditional tax documentation.
Do you work with self-employed borrowers?
Yes, we offer specialized loan programs for self-employed individuals using bank statements or 1099 income verification with flexible documentation requirements.
Are there prepayment penalties?
Most of our loan programs have no prepayment penalties, including SBA Working Capital loans and private money financing options.
How quickly can you fund a loan?
Private money loans can close in as little as 7-10 business days, while conventional programs typically require 30-45 days depending on documentation.
Do you offer government-backed loans?
Yes, we provide FHA, VA, USDA, and SBA loan programs with competitive rates and reduced down payment requirements for qualified borrowers.
