Serving San Luis Obispo, CA
Loans We Offer in San Luis Obispo, CA
CDL Mortgage Services Inc. is an independent mortgage broker serving San Luis Obispo and all of San Luis Obispo County. We shop dozens of wholesale lenders on every file, so you get the program and the pricing that actually fit your situation.
Every Program, One Broker
Loan programs available in San Luis Obispo.
Every program below is available to buyers and homeowners in San Luis Obispo, CA. Click any program for requirements, rates guidance, and local details.
Conventional Loans in San Luis Obispo
As low as 3% down, competitive fixed & adjustable rates
Learn moreFHA Loans in San Luis Obispo
3.5% down with flexible credit — great for first-time buyers
Learn moreVA Loans in San Luis Obispo
$0 down and no PMI for veterans & active-duty military
Learn moreHELOC & Home Equity in San Luis Obispo
Tap your equity without touching your low first-mortgage rate
Learn moreCash-Out Refinance in San Luis Obispo
Turn home equity into cash — up to 80% of your home’s value
Learn moreReverse Mortgage in San Luis Obispo
Turn home equity into retirement income — age 62+, or 55+ on a special program
Learn moreGet a free home loan quote in San Luis Obispo, CA
A licensed loan officer will reach out with your options — no obligation, no credit pull to start.
Prefer to talk? (916) 624-0767
Local Expertise
Mortgage broker serving San Luis Obispo, CA.
Whether you’re buying your first home in San Luis Obispo, moving up, purchasing an investment property, or refinancing a loan you already have, CDL Mortgage Services Inc. handles the entire process in-house for clients across San Luis Obispo County. Every San Luis Obispo file is assigned to a licensed loan officer who shops your loan across dozens of wholesale lenders instead of pushing you into a single bank’s product.
That means San Luis Obispo buyers get real options: Bank Statement Loans, CalHFA Loans, Cash-Out Refinance, Chattel Loans, Commercial Loans, and more, compared side by side on rate, monthly payment, and closing costs before you commit. We walk you through your Loan Estimate line by line and keep you, your agent, and escrow updated at every milestone.
Ready to see what you qualify for in San Luis Obispo, CA? Call (916) 624-0767 or request a quote above. CDL Mortgage Services Inc., NMLS #132263, Equal Housing Lender.
Google Reviews
Trusted by Clients in San Luis Obispo
Eli is the man. Best rates and always available to speak. 10/10 would recommend
Left a 5-star rating.
Eli Shannon was truly on top of everything! He’s knowledgeable, and as a mortgage broker, he guided me through securing a loan seamlessly. He helped me through the entire process efficiently and got things done right on time 👍
Questions
San Luis Obispo Mortgage FAQs
What types of home loans are available in San Luis Obispo, California?
CDL Mortgage Services Inc. offers Bank Statement Loans, CalHFA Loans, Cash-Out Refinance, Chattel Loans, Commercial Loans, Construction Loans, Conventional Loans, DSCR Loans, FHA Loans, Fix and Flip / Rehab Loans, Ground Up Construction Loans, HELOC & Home Equity, ITIN Loans, Jumbo Loans, New Construction Loans, Non-QM Loans, Private Money Loans, Refinance, Reverse Mortgage, USDA Loans, VA Loans for buyers and homeowners in San Luis Obispo, California. Because we are an independent mortgage broker, we shop dozens of wholesale lenders on every file instead of being limited to one bank's products.
Do you have a loan officer who works in San Luis Obispo?
Yes. San Luis Obispo files are handled by a licensed loan officer who works throughout San Luis Obispo County — you get a direct phone number and a real person, not a call center. Call (916) 624-0767 to be matched with the right officer.
How fast can I get pre-approved for a mortgage in San Luis Obispo?
Most San Luis Obispo borrowers receive a pre-approval the same day once we have income, asset, and credit documentation. Sellers and listing agents in San Luis Obispo, California take a fully underwritten pre-approval far more seriously than an online estimate.
How much do I need for a down payment in San Luis Obispo?
It depends on the program: conventional loans start as low as 3% down, FHA at 3.5%, and VA and USDA offer $0 down for eligible San Luis Obispo buyers. We compare the total monthly cost of each option, not just the down payment.
Can I refinance my San Luis Obispo home with CDL Mortgage?
Yes — rate-and-term refinancing, cash-out refinancing, and HELOC / second mortgage options are all available in San Luis Obispo, California. We'll show you the break-even point before you commit so a refinance only happens when it actually saves you money.
Is CDL Mortgage Services Inc. licensed in California?
Yes. CDL Mortgage Services Inc. is licensed to originate mortgages in California under NMLS #132263, and is an Equal Housing Lender.