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Real Customer Experiences

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marvin.609 oo profile picture
marvin.609 oo
September 9, 2025
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Sam, I appreciate the assistance provided during this process. The support was incredibly helpful, and I am grateful for the knowledge shared. Everything was handled quickly and efficiently. It was a pleasure working with someone so well-prepared.
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Mona Eslamian profile picture
Mona Eslamian
December 18, 2024
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Sam was great to work with he guided me through my first home buying experience. He was able to get me the best rate and close escrow within 12 days which exceeded my expectations.
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Reza Foroughi profile picture
Reza Foroughi
November 5, 2024
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Sam helped us in our property refinancing. He is very knowledgeable in what he does and comes up with great plan that fits your needs. He makes the whole process go smoothly for you. He is communicative and punctual which is important. Thank you Sam!
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JOHN C NELSON profile picture
JOHN C NELSON
October 1, 2024
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
My borrowing status as a self-employed real estate builder and investor is difficult. Our first application was approved and then denied by a senior underwriter. Sam refocused the new app, to the same lender, and with the help of my CPA we closed with much better terms than I could have hoped for. If anyone can, Sam can!
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Amir Zahedi profile picture
Amir Zahedi
October 1, 2024
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Sam did excellent job, quick and smooth, I would recommend to anyone need his service.
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Jolina Li profile picture
Jolina Li
June 28, 2024
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Thank you Sam for helping us with getting the bank statement loan. It was a pleasure working with him. He was patient with us and helped us through the process of getting our first mortgage. I would highly recommend him!
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Justin Lee profile picture
Justin Lee
March 26, 2024
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Sam provides a great, straight forward, personalized service. We refinanced with him seven years ago and had a very good experience. We recently used him for another loan service and he was in constant communication with us to offer a very personal experience. Would highly recommend!
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Daniel An profile picture
Daniel An
February 16, 2024
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I had an excellent experience. Everything went smooth. I received quotes from many lenders and they were all trying to push us on getting a loan for more money, with higher interest rates, and they were taking way too long on getting us through the entire process. Sam was able to work quickly and the entire transaction was smooth. He never pushed us to get a higher loan and his rates were the lowest out of everyone. The entire transaction was smooth, right down to the notary who appeared to be an expert with the documents that she was handling. I appreciate Sam's professionalism and expertise.
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maryam kavehzadeh profile picture
maryam kavehzadeh
December 1, 2023
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We just were able close the mortgage deal for our First Home with Sam Kiastapour , not only he helped us to secure and close the mortgage ,but he provided us with his great insight and knowledge in this field, we really appreciated Sam & his associates for the best team work in helping their clients in securing the requested loan .Thank You CAL FED MORTGAGE FOR THE GREAT JOB .
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Build Eng profile picture
Build Eng
September 12, 2023
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Sam and his team were great on helping us to get the best mortgage deal. They went above and beyond their responsibilities to close our loan at earliest possible time.

Current

California

Mortgage Rates

FHA Loans

Purchase - 30 Year Fixed

Rate7.50%

1W Change 0.00%

APR8.27%

1W Change 0.00%

Refinance - 30 Year Fixed

Rate5.83%

1W Change 0.00%

APR6.57%

1W Change 0.00%
Last Updated: 10/13/2026

Conventional Loans

Purchase - 30 Year Fixed

Rate7.44%

1W Change 0.17%

APR7.45%

1W Change 0.17%

Refinance - 30 Year Fixed

Rate7.55%

1W Change 0.13%

APR7.56%

1W Change 0.14%
Last Updated: 10/13/2026

VA Loans

Purchase - 30 Year Fixed

Rate6.86%

1W Change 0.04%

APR7.21%

1W Change 0.04%

Refinance - 30 Year Fixed

Rate6.84%

1W Change 0.06%

APR7.19%

1W Change 0.07%
Last Updated: 10/13/2026

All mortgage rates displayed are provided by Zillow based on borrowers with credit scores between 680-740 and represent averages and trends. Please consult with Cal Fed Mortgage to receive a personalized rate for your specific situation.

Popular California Home Loans Which loan is right for YOU?

First Time Homebuyers California

FHA Home Loans California California

FHA home loans are popular among California first-time homebuyers due to low down payment and credit requirements.

FHA Loans
Conventional Home Loans California

Conventional Home Loans California California

A conventional(fixed-rate mortgage) is a popular type of home financing in California because it offers predictability for your budget.

Conventional Loans
Jumbo Mortgages California

Jumbo Home Loans California California

A jumbo home loan is a mortgage used to finance California properties that are too expensive for a conventional conforming loan.

Jumbo Loans

Mortgage Calculators

Conventional mortgages are ideal for buyers with good credit and money to put down. They typically require a higher down payment, usually 5%–20% and also have higher income and credit score requirements than government loans. Typical fixed-rate loans have a term of 30 or 15 years.

$
$

5%

7.4%

Freddie Mac 30-year fixed average, week of 10-08-2026
Taxes, insurance and HOA
$

1%

0%

$
$

$1421

Monthly payment

Principal and interest $1421

Monthly taxes $1421

Monthly HOA $1421

Monthly insurance $1421

Monthly PMI $0

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*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

FHA loans are designed to benefit first-time homebuyers and buyers with less than perfect credit and not a lot of money to put down. FHA loan limits vary by county. View the FHA loan limits in your area.

$
$

5%

7.4%

Freddie Mac 30-year fixed average, week of 10-08-2026
Taxes, insurance and HOA
$

1%

$
$

$1421

Monthly FHA payment

Principal and interest $1421

Monthly taxes $1421

Monthly HOA $1421

Monthly insurance $1421

Up-front MIP (1.75%) $0

Monthly mortgage insurance $0

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

If you are a veteran or a current member of the U.S. military, you can apply for a VA Loan, which currently offers up to 100% home financing. Thank you for your service!

$
$

0%

4.5%

Taxes, insurance and HOA
$

1%

$
$

$1421

Monthly VA payment

Principal and interest $1421

Monthly taxes $1421

Monthly HOA $1421

Monthly insurance $1421

Purchase price $1421

VA funding fee $1421

Amount financed $1421

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Curious about refinancing your home in California? Now may be the right time to start saving money every month!

$
%
months
$
% Freddie Mac 30-year fixed average, week of 10-08-2026
months
$

Refinancing could save you

$/month

New monthly payment $

Refinance fees $

Lifetime savings $

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Not sure how much of a home you can afford? Enter your personalized information below to get a good ballpark figure of the type of home you can afford today!

$
$
$
% Freddie Mac 30-year fixed average, week of 10-08-2026
Taxes and insurance
$
$

You can afford up to

$

Monthly payment $

Principal and interest $

Tax $

Insurance $

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

With rates historically high, see what buying down your mortgage rate could look like for your payment, whether that's a temporary or permanent buydown.

$
% Freddie Mac 30-year fixed average, week of 10-08-2026
%

Year 1 payment

$0/month

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Free Home Report

Get a property valuation, rent estimates, price history and market insights instantly!

Your Appraisal Is Changing. Budget About $65 More and a Little Extra Time. California October 9, 2026

Your Appraisal Is Changing. Budget About $65 More and a Little Extra Time.

If you are buying a home or refinancing this fall, one line on your Loan Estimate may look a little different than friends who closed last year. Your appraisal fee may run about $65 higher in many markets, and the schedule can stretch a bit while the industry switches to a new report format. That…

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You May Have Two Credit Scores That Matter for Your Mortgage California October 2, 2026

You May Have Two Credit Scores That Matter for Your Mortgage

For years, shopping for a home loan meant asking one question about credit: what is my score? That still matters. But after a September change at Fannie Mae and Freddie Mac, many conventional borrowers now face a second question that can change what the loan costs. On September 9, 2026, Fannie Mae and Freddie Mac…

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Two-Thirds of Builders Are Offering Incentives. Know What You Are Buying. California September 25, 2026

Two-Thirds of Builders Are Offering Incentives. Know What You Are Buying.

In September, two out of three U.S. home builders said they were using sales incentives to move houses, according to the NAHB/Wells Fargo Housing Market Index. That share rose to 66% from 63% in August, the highest reading since last December. Separately, 38% of builders reported cutting prices, with the average reduction holding at 6%…

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Cal Fed Mortgage

24214 HAWTHORNE BLVD STE B
Torrance, California 90505
(310) 378-2858
NMLS# 290315

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