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  • More
    • Home
    • Loan Options
      • Mortgage Loan Options
      • Conventional Mortgages
      • VA Home Loans
      • FHA Home Loans
      • Jumbo Home Loans
    • Purchase
      • How Much Can I Afford
      • Home Buying Process
      • Down Payment Assistance
      • Temporary Rate Buydown
      • Mortgage Loan Process
    • Refinance
      • Refinancing your home
      • Cashout Refinance
      • Streamline Refinance
    • Mortgage Rates
    • WC Team
      • Zach Wain
      • Sharon Olson
      • Ashley Wain
      • Jonas Helstab
    • Calculators
    • Newsletter
    • Mortgage Blog
    • Reviews
    • Contact Us
    • Apply Now

(480) 336-3737

Wain Capital
  • Home
  • Loan Options
    • Mortgage Loan Options
    • Conventional Mortgages
    • VA Home Loans
    • FHA Home Loans
    • Jumbo Home Loans
  • Purchase
    • How Much Can I Afford
    • Home Buying Process
    • Down Payment Assistance
    • Temporary Rate Buydown
    • Mortgage Loan Process
  • Refinance
    • Refinancing your home
    • Cashout Refinance
    • Streamline Refinance
  • Mortgage Rates
  • WC Team
    • Zach Wain
    • Sharon Olson
    • Ashley Wain
    • Jonas Helstab
  • Calculators
  • Newsletter
  • Mortgage Blog
  • Reviews
  • Contact Us
  • Apply Now

CALIFORNIA

The most populous state in the United States. California is also home to many of the largest cities in the country, including Los Angeles, San Francisco, and San Diego 

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Real Estate Market

Just a few of the Best Real Estate Markets in california:

 California is a diverse state with a range of real estate markets and cities. Some of the most notable cities in California, in terms of real estate, include:


  1. San Francisco: Known for its high cost of living, San Francisco is home to some of the most expensive real estate in the state. Despite this, the city remains a popular destination for both buyers and renters due to its strong job market, cultural attractions, and excellent quality of life.
  2. Los Angeles: As the largest city in California, Los Angeles offers a diverse range of real estate options, from historic homes to modern high-rise apartments. The city is known for its high housing prices and congested traffic, but it remains a popular destination due to its thriving entertainment and creative industries.
  3. San Diego: San Diego is a coastal city known for its mild climate, beautiful beaches, and strong economy. The city has a vibrant housing market, with a mix of older homes and new developments, as well as a growing population of renters.
  4. Sacramento: As the state capital, Sacramento is a hub for government and politics. The city also has a growing tech industry and a diverse housing market, with a mix of older homes, new developments, and affordable rentals.
  5. San Jose: Located in the heart of Silicon Valley, San Jose is one of the most expensive cities in California due to its thriving tech industry. Despite high housing prices, the city remains a popular destination for homebuyers and renters due to its strong job market and high quality of life.

California State Flag - Mortgage Brokers in San Diego, Los Angeles, Alameda, San Francisco, Beach

common CA Real Estate and Mortgage questions

Q: What is the median home price in California?

A: The median home price in California varies by city, but as of 2021, it is around $700,000 to $1 million, depending on the location. Obviously that has only increased in 2022


Q: How is the California housing market doing?

A: The California housing market is generally considered to be a strong market, with high demand for housing and rising prices. 


Q: Where are the most affordable cities to live in California?

A: Some of the more affordable cities in California include Bakersfield, Stockton, Modesto, Visalia, and Fresno.


Q: What do you need to get a mortgage in California? 

A: To get a mortgage you should have 

  • A Good Credit Score
  • Stable Income 
  • Enough Savings for a Down Payment
  • Must meet the lenders eligibility requirements 
  • Provide Proof of Income
  • Proof of Employment 
  • Assets and other Financial Information


Q: What is the process of buying a home in California? 

A: Like most other states, to buy a home in California you need to get pre-approved for a mortgage, find a home that is within your pre-approval and meets your needs, have the home appraised (or get an appraisal waiver), home inspections, and closing the sale.


Q: What is the average property tax rate in California?

A: The average property tax rate in California is around 0.75% of the assessed value of the property. However, property tax rates can vary depending on the location and type of property.


Q: What are the home buying incentives in California?

A: Home buying incentives in California can include tax credits, down payment assistance programs, and first-time homebuyer programs.


Q: What are the typical closing costs for a home in California?

A: Closing costs for a home in California typically include appraisal fees, title insurance, and escrow fees, among others. The exact amount of closing costs can vary depending on using a retail lender or a wholesale mortgage broker, the location, the type of loan, and many other factors. 

Home sweet home. Homes for Sale. Homes Sold. Home Shopping. Rental Homes. Vacation Homes

Family Friendly Cities

The best city in California to raise a family can vary depending on individual circumstances, such as family size, lifestyle, and budget. However, here are some cities that are often considered to be good options for families:

  1. San Ramon
  2. Pleasanton
  3. Dublin
  4. Thousand Oaks
  5. San Mateo
  6. Irvine
  7. Rocklin
  8. Saratoga
  9. San Carlos
  10. Newport Beach

These cities are known for having good schools, low crime rates, access to recreational opportunities, and a high quality of life. However, it is important to keep in mind that each city has its own unique character and what may be ideal for one family may not be ideal for another. It is always best to research and visit different cities to determine what is the best fit for your family.

California Homes great for families and investors. Jumbo mortgages available for high cost counties

Wain Capital, LLC, Arizona - 0951257 & 1825506 Zachary Wain, 207079, Wain Capital LLC, 1825506 Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, 1825506 Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, 207079 or Licensed by the Department of Business Oversight under the California Finance Lenders Law, 207079 NMLS# 1825506 Wain Capital, LLC (480) 336-3737 NMLS# CO-100507291 Zachary Wain (480) 336-3737

1825506 - 207079 Wain Capital LLC, 15848 N 51st Place, Scottsdale, AZ, 85260, 1825506, Residential Mortgage Loan Company Zachary Wain, Residential Mortgage Loan Originator, 207079, Wain Capital LLC, 15848 N 51st Place, Scottsdale, AZ, 85254, Oregon Mortgage Lending License 1825506

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