Better Choice loans (a d.b.a. of Capstone Direct, Inc.) is a direct lender located in California and acts like a normal bank to close mortgage loans. We do not have a deposit base, but focus solely on funding mortgage loans. We have processors, underwriters and funders on staff in our office making decisions on loans ever day. You have access to each and every one of them at any time. One of our goals is to focus on the customer and meeting their needs. We aim to please our customers as best we can and don’t want you to get stuck on hold or searching for the right person to help you. In addition, we offer Mobile Closings. You can choose where and when you want to close your loan. We have mobile notaries which will come to you at your house or place of business to get the loan documents signed- again, making it easy for you to close your loan.
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The Better Choice Difference
Here at Better Choice Loans, we only have one goal: to provide our clients with the best possible home loan interest rates in California - guaranteed! Whether you’re researching home loan rates in San Diego, Sacramento, or anywhere in between, Better Choice is committed to delivering you unbeatable California home loan rates and a loan program that meets your specific needs.
Researching Home Loan Rates in California
Our streamlined California home loan rates searching process consists of 4 simple steps:
Fill out our California home loan rates search form to receive instant, real-time loan offers from over 50 lending institutions.
Choose the right products, programs, or California home loan rates that best fit your specific needs, goals, and situation. Our loan offers are good for three days, giving you time to compare the California home loan interest rates from our site with competing agencies.
Get Approved Fill out our time-saving online application and get approved to lock in your home loan rate and program.
Close your home loan in a convenient location of your choosing.
Better Products and Services
Better Choice Loans also offers all the following products and services to ensure that your search for home loan rates in San Diego, Los Angeles, Sacramento, or anywhere in between will meet your needs completely:
Better Choice Loans knows that loan pre-approval is crucial. Not only will we provide you with the best home loan interest rates in California, we also work to provide you with lightning fast loan approval that will allow you to make an offer on your new home quickly and comfortably.
To do so, we assign a personal underwriter to your account. Your underwriter will work with you to gather the information necessary to provide immediate pre-approval and assist you in the loan closing process. By directly assigning an underwriter to your loan, the only items that you will need for pre-approval are the purchase contract, appraisal, and title.
This process cuts through the red tape, allowing Better Choice to provide you with superior California home loan rates and loan pre-approval much more quickly than traditional lending institutions.
Loan Programs that Fit your Needs
Better Choice loans offers 30, 20, 15, and 10 year fixed loans as well as 10/1, 7/1 and 5/1 ARMs, and we can give you options on each program to fit your specific needs. Interest-only options are available on most ARM programs, and we can talk you through the process to custom fit the loan that’s right for you.
No Middleman - Go DIRECT
Better Choice Loans is a direct lender located in California. We focus solely on identifying superior home loan rates in California, and funding the associated mortgage loans. To do so, we employ a dedicated and professional staff of processors, underwriters and funders – and our clients have access to each and every one of them at any time.
By providing you with direct access to our entire staff, we ensure that you will be able to reach the right person at the right time, speeding up your loan process significantly.
In addition, we offer Mobile Closings. You can choose where and when you want to close your loan, and we employ mobile notaries who can travel to your home or place of business to get final signatures on your loan documents. Whether you need unbeatable home loan rates in San Diego, Sacramento, or anywhere in California, our mobile closing process will speed up your loan process even more!
Refinance Your Home at NO COST!
Not only does Better Choice Loans offer the lowest home loan interest rates in California, we also provide a selection refinance programs where you can choose not to pay any of the fees. We will pick up the tab for you! What could be better than that? Contact us for details!
Meeting Your Needs with an FHA Loan
Federal Housing Administration loans offer you a minimal down payment option of 3.5%, and there is more flexibility in FHA underwriting guidelines than in a conventional loan: You can have gift funds for the down payment, parents can co-sign on the loan, and they will generally go a little higher on your debt-to-income ratio with good compensating factors.
Better Choice Loans offers FHA loans to qualified borrowers, allowing you quick access to some of the best home loan rates in California. Further, we are a Direct Endorsement underwriter, allowing us to underwrite and close FHA loans right here in our office.
Super Jumbo Loans Up to $5,000,000
Better Choice Loans also has a loan program for high net worth borrowers that allows for higher loan amounts and more sensible underwriting.
Loan terms of 7/1 and 5/1 are available, and interest-only options are available. In some instances, with large cash reserves, we can even approve a loan with no income documentation. Foreign borrowers welcome!