Home financing with competitive rates, transparent guidance, and local expertise
First‑time buyer or refinancing, get a mortgage built around your goals with guidance from California market specialists.
Access competitive rates, flexible terms, and proactive support from application to closing. Our team provides clear answers, fast pre‑approvals, and confidence at every step.
Access to some of the most competitive mortgage rates in California.
Streamlined application process with quick pre-approval decisions.
Dedicated mortgage specialists to guide you through every step.
Deep understanding of California's diverse real estate markets.
Credit score, down payment, property type, and loan program influence your final rate.
Get a Personalized QuoteChoose the right mortgage solution for your needs
Traditional home loans with competitive rates and flexible terms for qualified borrowers.
Government-backed loans with lower down payment requirements and flexible credit guidelines.
Exclusive benefits for eligible veterans, active duty service members, and their families.
Financing for high-value properties that exceed conventional loan limits in California.
Lower your monthly payments or access your home's equity with our refinancing solutions.
Explore RefinancingSee how much you could save by refinancing your mortgage.
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Get pre-approved in just a few easy steps
Complete our secure online application in minutes.
Receive your pre-approval decision quickly.
Shop for homes with confidence knowing your budget.
Complete the closing process and get your keys.
Start your homeownership journey with Pear Finance Hub's competitive mortgage solutions.