Southern California's Loan Strategy Team
Get the Right Loan Strategy
Before Your Next Move
Before you buy, refinance, pull equity, or invest — know every loan option first.
$175M+
In Real Estate Sales
100%
Strategy-First Approach
8+
Loan Programs Compared
1
Consultation — Every Option
The Reality
Borrowers need more than a rate quote. They need a clear path.
Most lenders compete on "low rates" or "fast closings." Big lenders and call-center lenders already own that message. Express Home Lending competes on strategy, clarity, and local real estate expertise.
Self-Employed?
We find loan paths your tax returns may not show.
Need Equity?
Cash out, HELOC, refi, and 2nd loan – we compare all options.
Investor?
DSCR, fix-and-flip, bridge — we speak your language.
The CMR Difference
We help borrowers compare every option before making a decision.
Most lenders look at your loan.
We look at your full real estate move.
Most lenders quote one program.
We compare multiple options side by side.
Most lenders disappear after pre-approval.
We help structure the offer, payment, timeline, and exit strategy.
Most lenders don't understand flips, ADUs, or rental income.
Real estate investing is where we're strongest.
The Process
The Loan Options
Review
In one consultation, we review your goals, income, credit, equity, and timeline. Then we compare the best available loan paths so you can make an informed decision — not a pressured one.
Share Your Situation
Tell us your goal — buy, refinance, pull equity, invest, flip, build, or restructure. No sales pitch, just understanding.
We Compare Every Loan Path
We review programs, payment ranges, cash needed, timeline, and documentation requirements — side by side.
You Choose Your Best Move
You leave with a clear loan recommendation tailored to your situation, goals, and long-term real estate plan.
Loan Programs
One team. Every loan path. Your decision.
Meet Your AI Loan Strategist
Get instant, personalized mortgage guidance — no salesperson, no pressure. Just smart answers tailored to your situation.
AI Loan Strategist
Chat with our AI to get personalized guidance on FHA, VA, Conventional, DSCR, and more — based on your goals and credit profile.
Loan Program Explorer
Compare FHA, VA, Conventional, DSCR, and Bank Statement loans side-by-side with smart matching based on your goal.
Why Express
Built for decisions,
not just transactions.
8+
Loan Programs Compared
1
Consultation — All Options
$175M+
Real Estate Sales
Local
Southern California Team
Who We Help
Six situations where borrowers need more than a rate.
01
First-Time Buyers
Don't know where to start? We walk you through every option before you make an offer.
02
Self-Employed Borrowers
Taxes don't show your real income? We find programs that qualify you the right way.
03
Homeowners Pulling Equity
HELOC, cash-out refi, or second loan — we compare the numbers so you choose wisely.
04
Real Estate Investors
DSCR, bridge, fix-and-flip — we understand the deal and structure financing around it.
05
W-2 Earners
Clean pre-approval with a real buying strategy, not just a letter and a rate quote.
06
ADU & Remodel Plans
Want to add space or rental income? We compare construction and equity options.
Questions
Frequently Asked
Today's Rates
Current Mortgage Rates
Rates as of September 3, 2026 · Subject to change dailyRates shown are representative estimates for well-qualified borrowers in California. Actual rate depends on credit score, loan-to-value, property type, and program. Contact us for a personalized quote.
| Loan Product | Interest Rate | APR | Notes |
|---|---|---|---|
| 30-Year Fixed | 6.710% | 6.750% | Most popular — stable payment for life of loan |
| 15-Year Fixed | 6.040% | 6.125% | Pay off faster, significantly less interest overall |
| 20-Year Fixed | 6.375% | 6.500% | Middle ground — lower rate, shorter payoff |
| 10-Year Fixed | 6.000% | 6.125% | Fastest payoff, lowest rate — higher monthly |
| 5/1 ARM | 6.250% | 6.875% | Fixed 5 years, then adjusts annually |
| 7/1 ARM | 6.375% | 7.000% | Fixed 7 years, then adjusts annually |
| FHA 30-Year | 6.375% | 7.000% | Low down payment, flexible qualification |
| VA 30-Year | 6.000% | 6.250% | For eligible veterans — no PMI, competitive rate |
| Jumbo 30-Year | 7.000% | 7.125% | For loan amounts above conforming limits |
Rates are for illustrative purposes. APR includes fees and reflects the true cost of borrowing. All loans subject to credit approval and underwriting. Capital Management Realty Inc dba Express Home Lending — NMLS #1705248.
Get My Rate →30-Year Fixed
6.71%
15-Year Fixed
6.04%
Estimate Your Payment
Mortgage Calculator
For illustrative purposes only. Actual rates and payments depend on credit, loan type, and market conditions at time of application.
Estimated Monthly Payment
$3,416
Principal & interest only. Does not include taxes, insurance, or HOA.
Client Stories
Hear it from homeowners like you.
Ready to Make Your Move?
Before you apply, know your best loan option.
Get a free, side-by-side comparison of loan options based on your goal, income, equity, credit profile, and timeline.
Loan options subject to qualification. Not a commitment to lend. Equal Housing Lender.