WE DARE YOU TO COMPARE

Real Human Contact. Real California Home Loans.

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7+

Loan Programs

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Free

Calculators

24hr

Response Time

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CA

Licensed

California Home Loan Programs

Comprehensive financing solutions for every borrower

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Conventional Loans

Traditional financing with competitive rates. As low as 3% down for qualified borrowers.

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FHA Loans

Low down payment options (3.5%) with flexible credit requirements.

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VA Loans

Zero down payment for eligible veterans and service members.

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USDA Loans

100% financing for eligible rural and suburban California properties.

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HECM (Reverse Mortgage)

Access your home equity. For seniors 62+ looking to supplement retirement.

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HELOC

Home Equity Line of Credit for renovations, debt consolidation, or major expenses.

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Assumable Loans

Take over an existing mortgage with favorable terms. Purchase or refinance options.

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Loan Calculators

Free comprehensive calculators for all loan types. Get instant estimates.

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Why Choose Human Contact Loans?

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Real Human Contact

No bots, no automation. You'll work directly with Billy Robles throughout your entire loan process.

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California Expert

Deep knowledge of California real estate markets, programs, and local lending requirements.

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Competitive Rates

We dare you to compare! Shop our rates against any lender and see the difference.

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Fast Processing

Streamlined process with quick responses. Most pre-approvals within 24 hours.

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Educational Resources

Comprehensive calculators and resources to help you make informed decisions.

Fully Licensed

NMLS #2751970 | Loan Factory Inc. NMLS #320841. Compliant and transparent.

Quick Payment Calculator

Get an instant estimate of your monthly payment

Estimated Monthly Payment

$2,661

Principal & Interest

Loan Amount: $400,000
Total Interest: $558,036
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Ready to Start Your Home Loan Journey?

Get pre-qualified today and take the first step toward your dream home.