Built for real buyers.Closing with confidence.

NMLS #132263•Licensed in 6 States•5,000+ Loans Closed

An independent broker shopping dozens of wholesale lenders to find your strongest rate and program.

Get Pre-Approved or call (916) 624-0767
Conventional home loan
Conventional
As low as 3% down
FHA home loan
FHA
3.5% down, flexible credit
VA home loan
VA
$0 down for veterans
Reverse Mortgage home loan
Reverse Mortgage
Equity income for 62+
Cash-Out Refinance home loan
Cash-Out Refinance
Turn equity into cash
HELOC home loan
HELOC
Tap equity without refinancing
Non-QM / Jumbo home loan
Non-QM / Jumbo
Bank statement & asset-based
DSCR home loan
DSCR
Investor loans on rental income
USDA home loan
USDA
$0 down rural & suburban
CalHFA home loan
CalHFA
CA down payment assistance
Construction home loan
Construction
Build from the ground up
Private Money home loan
Private Money
Fast asset-based bridge loans
Chattel home loan
Chattel
Manufactured home financing

Live Market Rates

Today's Starting Rates

Updated 8/26/2026, 1:01:36 PM
Conventional
6.75%
APR 7.027%
View program
FHA
5.99%
APR 6.845%
View program
VA
6.125%
APR 6.536%
View program
USDA
6.155%
APR 6.322%
View program
Equity Line
7.31%
APR 7.31%
View program
Non-QM
6.375%
APR 6.547%
View program
Chattel
7.75%
APR 7.964%
View program
Get Your Rate

We shop dozens of wholesale lenders to find your best pricing.

Start now

Why Choose CDL

An independent broker
working for you.

Banks offer their own products. CDL Mortgage is an independent broker — which means we compare dozens of wholesale lenders on every file and bring you the best rate and program we can find. One application, the whole market.

Get a Free Quote
Wholesale Rates

As an independent broker we shop dozens of wholesale lenders — not just one bank's rate sheet.

Licensed & Local

NMLS #132263. Licensed in CA, TX, GA, TN, OK, and ID with loan officers who know your market.

24-Hour Approvals

Pre-approvals the same day, closings in 21–30 days. We move at the speed of your contract.

One Point of Contact

Your loan officer handles the file start to finish — no call centers, no handoffs, no surprises.

Every Program, One Broker

Loan Programs

View all programs
CalHFA
CA down payment assistance
Learn more
Cash-Out Refinance
Turn equity into cash
Learn more
Chattel
Manufactured home financing
Learn more
Construction
Build from the ground up
Learn more
Conventional
As low as 3% down
Learn more
DSCR
Investor loans on rental income
Learn more
FHA
3.5% down, flexible credit
Learn more
HELOC
Tap equity without refinancing
Learn more
Non-QM / Jumbo
Bank statement & asset-based
Learn more
Private Money
Fast asset-based bridge loans
Learn more
Reverse Mortgage
Equity income for 62+
Learn more
USDA
$0 down rural & suburban
Learn more
VA
$0 down for veterans
Learn more

Payment Estimator

Mortgage Calculator

Adjust the sliders to estimate your monthly principal and interest. For an exact, all-in quote based on today's wholesale pricing, give us a call.

(916) 624-0767
Loan Amount$500,000
$100k$2M
Interest Rate5.875%
1%15%
Loan Term30 years
5 yr40 yr
Est. monthly P&I$2,958/mo

Excludes taxes, insurance, and mortgage insurance.

Get My Exact Rate

Client Reviews

What Our Clients Say

"CDL made our home buying experience seamless. Their team was incredibly responsive and got us an amazing rate."

Michael R.
First-Time Homebuyer

"They helped us refinance and save over $400 a month. Professional, knowledgeable, and always available."

Sarah & James T.
Refinance Client

"As a veteran, finding a VA loan specialist was crucial. CDL exceeded all expectations. 5 stars!"

David K.
VA Loan Client

Ready to get started?

Talk to a licensed loan officer today. No pressure — just honest answers about what you qualify for.

Apply Online (916) 624-0767