About CALCAP Lending LLC
CalCap Financial is a direct mortgage lender headquartered in Irvine, California, operating as a full-service mortgage bank. The company leverages a technology-driven lending platform to offer efficient and streamlined loan processes, serving a broad range of borrowers across over 20 states. Their core mission revolves around providing diverse home financing solutions with a strong emphasis on customer service and competitive offerings.
The lender distinguishes itself by offering a comprehensive suite of loan products, extending beyond traditional options to include specialized Non-QM loans such as Bank Statement, DSCR, and Asset Depletion programs. This broad portfolio caters to various financial situations, including self-employed individuals and real estate investors, ensuring tailored solutions for diverse homeownership and investment goals.
CalCap Financial's commitment to innovation and client satisfaction is evident in their digital capabilities, designed to simplify the mortgage journey. By combining advanced online tools with expert loan officer guidance, they aim to provide a transparent and accessible lending experience. This approach positions them as a versatile partner for both first-time homebuyers and seasoned investors seeking flexible and reliable financing options.
The lender distinguishes itself by offering a comprehensive suite of loan products, extending beyond traditional options to include specialized Non-QM loans such as Bank Statement, DSCR, and Asset Depletion programs. This broad portfolio caters to various financial situations, including self-employed individuals and real estate investors, ensuring tailored solutions for diverse homeownership and investment goals.
CalCap Financial's commitment to innovation and client satisfaction is evident in their digital capabilities, designed to simplify the mortgage journey. By combining advanced online tools with expert loan officer guidance, they aim to provide a transparent and accessible lending experience. This approach positions them as a versatile partner for both first-time homebuyers and seasoned investors seeking flexible and reliable financing options.
Company Information
Lender Type: Direct Lender
Headquarters: Irvine, CA
Licensed In
CA
Certifications & Credentials
FHA ApprovedVA ApprovedUSDA Approved
Digital Capabilities
Online Application
Digital Document Upload
Online Account Management
Rate Calculator
Pre-Qualification Tool
E-Signature
Home Loan Products
Conventional Loan Programs
Loan Types:
ConventionalRefinanceCash-Out Refinance
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Investment PropertyVacation/Second Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed1099 Contractor
Income Verification:
Full Documentation
Special Programs:
Low Down Payment ProgramHomeReady ProgramHome Possible Program
Credit Tiers:
Excellent (740+)Good (680-739)
620
Min Credit Score
FHA Loan Programs
Loan Types:
FHARefinanceCash-Out Refinance
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Special Programs:
First-Time HomebuyerLow Down Payment Program
Credit Tiers:
Good (680-739)Fair (620-679)Poor (580-619)
3.5%
Min Down Payment
580
Min Credit Score
VA Loan Programs
Loan Types:
VARefinanceCash-Out Refinance
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Special Programs:
Veteran ProgramLow Down Payment Program
Credit Tiers:
Excellent (740+)Good (680-739)Fair (620-679)
0
620
Min Credit Score
USDA Loan Programs
Loan Types:
USDARefinance
Rate Types:
Fixed Rate
Property Types:
Single-Family Home
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Special Programs:
Low Down Payment Program
Credit Tiers:
Good (680-739)Fair (620-679)
0
640
Min Credit Score
Jumbo Loan Programs
Loan Types:
JumboRefinanceCash-Out Refinance
Rate Types:
Fixed RateAdjustable Rate (ARM)Hybrid ARM
Property Types:
Single-Family HomeCondoTownhouseInvestment PropertyVacation/Second Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-EmployedBusiness Owner
Income Verification:
Full Documentation
Credit Tiers:
Excellent (740+)
10%
Min Down Payment
700
Min Credit Score
Non-QM Loan Programs
Loan Types:
Non-QMBank StatementDSCRAsset DepletionInterest-OnlyPortfolio
Rate Types:
Fixed RateAdjustable Rate (ARM)Interest-OnlyHybrid ARM
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Investment Property
Occupancy Types:
Primary ResidenceInvestment Property
Employment Types:
Self-Employed1099 ContractorInvestorBusiness Owner
Income Verification:
Bank StatementAsset DepletionNo Income Verification
Special Programs:
Self-Employed ProgramBank Statement ProgramAsset Depletion Program
Credit Tiers:
Excellent (740+)Good (680-739)Fair (620-679)
620
Min Credit Score
Home Equity Loans & HELOCs
Loan Types:
HELOCHome Equity LoanSecond Mortgage
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouse
Occupancy Types:
Primary ResidenceSecond Home
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Credit Tiers:
Excellent (740+)Good (680-739)
680
Min Credit Score
Contact Information
65 N Catalina Ave
Pasadena, CA 91106
US
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Business Information
Category: Mortgage Lender
Location: Pasadena, CA
Status: Standard
Type: Direct Lender
Profile Views: 0
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