CALIFORNIA CO OP MORTGAGE LENDERS

CALIFORNIA CO-OP MORTGAGE LENDERS- SERVING ALL CALIFORNIA
CALIFORNIA CO-OP MORTGAGE LENDERS LOAN TO VALUE

CALIFORNIA CO-OP MORTGAGE LENDERS
there are about 40,000 Co-op Units of many types in California
• Stock Cooperatives (Mostly Big California Co-op mortgage lenders – Luxury Living)
• Mutually Owned (owned together with market value)
•California Limited Equity Housing Cooperatives
• Co-ops Compare Best with a Family living in a Rental
CALIFORNIA CO-OP MORTGAGE LENDERS TERMS
The ARM is a 1st mortgage adjustable rate loan with principal and interest payments amortized over 30 years.

  • 3/1 ARM: Rate is fixed for 3 years.
  • 5/1 ARM: Rate is fixed for 5 years.
  • 7/1 ARM: Rate is fixed for 7 years.
  • 30 Year fixed for 30 years.

Co-op_USML_Califonria CO Op Mortgage Lenders Questionnaire

The applicant listed below has applied for financing secured by the referenced cooperative shares. Please complete this form by answering all questions or indicating “Unknown” or “N/A” (Not Applicable). This form must be completed by either the management agent or a member of the cooperative board. Your cooperation in providing the requested information is appreciated.

  1. Ownership Breakdown:
    _______________ Total Number of Unsold/Sponsor-Owned Units
    (or units owned by holders of unsold shares)
    _______________ Total Number of Sold Units
    (include Unsold units in contact to be sold)
    SOLD UNIT BREAKDOWN:
    _____________ ____________ ____________ _____________
    Principle Residence Second Home Investor/Sublet Co-op Corp. Owned
    _______________ Total Number of Units in Co-op Project
  2. Share Breakdown:
    _______________ Total Shares in Project
    _______________ Total Shares Subject Unit
  3. Proprietary Lease Expiration Date:
    _____________/_____________/_____________
  4. Does any individual or entity, other than the sponsor, own more than 10% of the total units in the project?
  5. Is any space within the project designated for commercial/non-residential use?
    If Yes, indicate the approximate percentage: _________________
    6. Are there any land use agreements or is the Co-op subject to a leasehold (Ground Lease)?
    If Yes, please provide Ground Lease for review.
    7. How many shareholders are delinquent more than thirty (30) days on their maintenance fees? _____________________
    8. Does the Co-op impose a Stock Transfer Tax (Flip Tax) upon the sale of units?
    If Yes, what is the method of calculation or percent charged to the seller?
    _________________________________________________________________________________
    9. Is a Lender exempt from the Stock Transfer Tax (Flip Tax) if the Lender acquires a unit’s share?
    10. Who controls the Cooperative Board? Tenant-Shareholders Sponsor Until when? ______/______/______
    11. Date of the last Amendment filed: _____________/_____________/_____________ Amendment # _____________
    12. Does the Co-op receive any tax/assessment abatements?
    If Yes, indicate type of abatement? Expiration: ____________________________ Until when? ______/______/______
    13. Are there any mechanic’s liens filed against the subject property?
    If Yes, indicate type of lien: ________________________________________________________________________
    14. Is the Co-op involved in any litigation?
    If Yes, indicate type of litigation: _____________________________________________________________________
    15. Total current reserve funds: $ ____________________
    16. Does the HOA budget provide for the funding of replacement reserves for capital expenditures and deferred maintenance
    that is at least 10% of the budget not including any underlying mortgage (if applicable) and property tax expenses?
    17. Annual HOA dues for the subject unit excluding units portion of the underlying mortgage (if applicable) and building
    property tax expense ______________________________.
    18. Please provide the names and phone number for the following Co-op Board officials:
    Co-op Board President: _____________________________________________ Phone Number: ______________________
    Co-op Board President: _____________________________________________ Phone Number: ______________________

Sponsor/Holder of Unsold Share Information

Underlying Mortgage Information

Signature & Certification
Management Agent & Insurance Information
2

3

5
4
_________________________________________________________________________________________________________________________
Sponsor Name
________________________________________________________________ ________________________________________________ Contact Name Phone Number

__________________________________________________________________________________________________________________________
Lender Name
1. Total number of shares held by the Sponsor: _____________________________

1. Monthly Payment: $ _____________________________________________
3. Maturity Date: ____________/____________/____________
5. If adjustable, what is the lifetime cap? _________________________________
7. Have the interest rate or repayment terms of the underlying mortgage been modified or otherwise extended?
If Yes, please explain: _____________________________________________________________________________________
8. Are payments on the underlying mortgage current?
If No, indicate amount in arrears: $ ____________________________________________________________________
3. Are the maintenance fees for Unsold shares current?
If No, indicate amount in arrears: $ ______________________________
4. Have there been assessments or reductions in reserves due to the Sponsor’s failure to maintenance fees?
If Yes, indicate amount: $ ______________________________

Underlying Mortgage Information

Signature & Certification
Management Agent & Insurance Information
2

3

5
4
_________________________________________________________________________________________________________________________
Sponsor Name
________________________________________________________________ ________________________________________________ Contact Name Phone Number

__________________________________________________________________________________________________________________________
Lender Name
1. Total number of shares held by the Sponsor: _____________________________

1. Monthly Payment: $ _____________________________________________
3. Maturity Date: ____________/____________/____________
5. If adjustable, what is the lifetime cap? _________________________________
7. Have the interest rate or repayment terms of the underlying mortgage been modified or otherwise extended?
If Yes, please explain: _____________________________________________________________________________________
8. Are payments on the underlying mortgage current?
If No, indicate amount in arrears: $ ____________________________________________________________________

Management Agent & Insurance Information
2

3

5
4
_________________________________________________________________________________________________________________________
Sponsor Name
________________________________________________________________ ________________________________________________ Contact Name Phone Number

__________________________________________________________________________________________________________________________
Lender Name
1. Total number of shares held by the Sponsor: _____________________________

1. Monthly Payment: $ _____________________________________________
3. Maturity Date: ____________/____________/____________
5. If adjustable, what is the lifetime cap? _________________________________
7. Have the interest rate or repayment terms of the underlying mortgage been modified or otherwise extended?
If Yes, please explain: _____________________________________________________________________________________
8. Are payments on the underlying mortgage current?
If No, indicate amount in arrears: $ ____________________________________________________________________
3. Are the maintenance fees for Unsold shares current?
If No, indicate amount in arrears: $ ______________________________
4. Have there been assessments or reductions in reserves due to the Sponsor’s failure to maintenance fees?
If Yes, indicate amount: $ ______________________________

2. Sponsor’s monthly rental income: $ ____________________
Sponsor’s monthly maintenance fees: $ ____________________

2. Mortgage Balance: $ ___________________________________
4. Interest Rate: __________________  Fixed  Adjustable
6. Date Obtained/Closed: ___________/___________/___________

I, the undersigned certify that to the best of my knowledge and belief, the information and statements contained on this form and an any attachments are true and correct.
________________________________________________________________ _____________________________________________________
Signature Date
________________________________________________________________ __________________________ ________________________
Printed Name Title Phone Number
1. Is the project managed by a professional management company?
______________________________________________________________________________________________________________________
Name
________________________________________________________________ ________________________________________________
Contact Name Phone Number
________________________________________________________________________________________________________________________
Co-op Address City State Zip Code
2. Is the building covered for its replacement cost or maximum allowable coverage for hazard, liability and flood
(if applicable) insurance coverage and fidelity bond coverage? Please attach copy of insurance certificate and schedule of coverages.
_______________________________________________________________________________________________________________________
Company
________________________________________________________________ ________________________________________________
Agent Name Phone Number
3. Does the project have co-insurance?
If Yes, what percentage? ___________________% And is there an agreed amount endorsement?

CLICK HERE – Co-op_USML_Questionnaire

CALIFORNIA CO-OP MORTGAGE LENDERS MINIMUM & MAX LOAN AMOUNTS
• $100,000 minimum loan amount. Exceptions considered on a case-by-case.

• Co0OP Loan amount exceptions over $4,000,000 available.

CALIFORNIA CO-OP MORTGAGE LENDERS CREDIT REQUIREMENTS
• 680 middle score required with some exceptions allowed for lack of credit or unestablished credit.

• For co-co-op mortgage applicants and co-mortgagers, the lowest mid-score is used for pricing and qualification.
• Meeting the minimum credit score requirement does not automatically constitute a credit approval. A pattern of
adverse credit or overextended credit may disqualify co-op mortgage applicant from financing, even if the minimum credit score is met.
Credit report is used for Pre-Approval and co-op mortgage lenders will also pull credit before issuing a conditional
approval. Mid-score from co-op mortgage lenders credit pull is used for pricing and qualification.
No Credit or Limited Credit
• No credit or limited credit profiles are allowed on a case-by-case basis for U.S. citizens.
• No U.S. credit or credit score is required for the Work Visa/Expatriate/Immigrant Program or Foreign National Program
CALIFORNIA CO-OP MORTGAGE LENDERS OPTIONS INCLUDE:

  • Primary CALIFORNIA Co-op Mortgage Lenders
  • Second Home CALIFORNIA Co-op Mortgage Lenders
  • Investments CALIFORNIA Co-op Mortgage Lenders
  • Cash Out CALIFORNIA Co-op Refinancing
  • Second CALIFORNIA Co-op Home Financing
  • Jumbo CALIFORNIA Co-op Loans
  • Low CALIFORNIA Co-op Closing Costs
  • Up to 80 Percent CALIFORNIA Co-op Mortgage Loans

CALIFORNIA CO-OP MORTGAGE MAXIMUM DEBT TO INCOME
Maximum CALIFORNIA CO-op Mortgage Lenders Debt To Income Ratio 

• 43% maximum back-end ratio.

CALIFORNIA CO-OP MORTGAGE LENDERS APPROVAL PROCESS

2. PRINT OUT CONDO QUESTIONNAIRE FOR ASSOCIATION TO FILL OUT COMPLETE.  the questionnaire must be 100% complete for Approval Commitment. No blanks or questions answered “n/a” 
or “unknown,” and the questionnaire must pass underwriter review.


A housing cooperative, better known as a  co-op is a situation which a single corporate entity owns a co-op apartment building or similar California muti unit residential co-op property. California Co-Op  shareholders of the corporation are granted a lease by the corporation, the lease gives the co-op owner proprietary ownership of a specific unit within the apartment building. A co-op loan, sometimes called a share loan, is a loan designed for a co-op mortgage applicant to purchase shares in a corporation that then entitles them to a lease agreement and residence in one of the cooperative  units.

CALIFORNIA CO-OP MORTGAGE LENDERS CALIFORNIA CO-OP MORTGAGE LENDERS LOAN TO VALUE

CALIFORNIA CO-OP MORTGAGE LENDERS TERMS
The ARM is a 1st mortgage adjustable rate loan with principal and interest payments amortized over 30 years.

  • 3/1 ARM: Rate is fixed for 3 years.
  • 5/1 ARM: Rate is fixed for 5 years.
  • 7/1 ARM: Rate is fixed for 7 years.
  • 30 Year fixed for 30 years.

CALIFORNIA CO-OP MINIMUM & MAX LOAN AMOUNTS
• $100,000 minimum loan amount. Exceptions considered on a case-by-case.

• Co0OP Loan amount exceptions over $4,000,000 available.

CALIFORNIA CO-OP MORTGAGE LENDERS CREDIT REQUIREMENTS
• 680 middle score required with some exceptions allowed for lack of credit or unestablished credit.

• For co-co-op mortgage applicants and co-mortgagers, the lowest mid-score is used for pricing and qualification.
• Meeting the minimum credit score requirement does not automatically constitute a credit approval. A pattern of
adverse credit or overextended credit may disqualify co-op mortgage applicant from financing, even if the minimum credit score is met.
Credit report is used for Pre-Approval and co-op mortgage lenders will also pull credit before issuing a conditional
approval. Mid-score from co-op mortgage lenders credit pull is used for pricing and qualification.
No Credit or Limited Credit
• No credit or limited credit profiles are allowed on a case-by-case basis for U.S. citizens.
• No U.S. credit or credit score is required for the Work Visa/Expatriate/Immigrant Program or Foreign National Program
CALIFORNIA CO-OP MORTGAGE LENDERS OPTIONS INCLUDE:

  • Primary CALIFORNIA Co-op Mortgage Lenders
  • Second Home CALIFORNIA Co-op Mortgage Lenders
  • Investments CALIFORNIA Co-op Mortgage Lenders
  • Cash Out CALIFORNIA Co-op Refinancing
  • Second CALIFORNIA Co-op Home Financing
  • Jumbo CALIFORNIA Co-op Loans
  • Low CALIFORNIA Co-op Closing Costs
  • Up to 80 Percent CALIFORNIA Co-op Mortgage Loans

CALIFORNIA CO-OP MORTGAGE MAXIMUM DEBT TO INCOME
Maximum CALIFORNIA CO-op Mortgage Lenders Debt To Income Ratio 

• 43% maximum back-end ratio.

CALIFORNIA CO-OP MORTGAGE LENDERS APPROVAL PROCESS

2. PRINT OUT CONDO QUESTIONNAIRE FOR ASSOCIATION TO FILL OUT COMPLETE.  the questionnaire must be 100% complete for Approval Commitment. No blanks or questions answered “n/a” 
or “unknown,” and the questionnaire must pass underwriter review.

ELIGIBLE CALIFORNIA CO-OP PROPERTY TYPES & OCCUPANCY
CALIFORNIA Co-op Occupancy Permitted

• Primary CALIFORNIA Co-op Residence
• Second CALIFORNIA Co-op Home (minimal rental income allowed)
• Investment CALIFORNIA Co-op Property (non-owner CALIFORNIA Co-op occupied) permitted at maximum CALIFORNIA Co-op loan of 60% LTV
ELIGIBLE CALIFORNIA CO-OP MORTGAGE REQUIREMENTS
• Minimum Down Payment 20% For CALIFORNIA Co-op Mortgage Lenders
• Title Insurance for CALIFORNIA Co-ops title policy issued through a title company or closing attorney must be issued on CALIFORNIA Co-op certificate
• Leaseholds CALIFORNIA Co-op allowed on a case-by-case basis
BAD CREDIT CALIFORNIA CO-OP MORTGAGE LENDERS CREDIT REQUIREMENTS
• Late payments on any mortgage, installment or revolving account of 2×30, 1×60 or more will typically disqualify a
borrower from financing. Exceptions will be reviewed on a case-by-case basis at a lower LTV.
• A pattern of adverse credit or overextended credit may disqualify borrower from financing, even if minimum credit score
is met. Borrowers with 3x monthly income amount in unsecured consumer debt are generally disqualified.
CALIFORNIA CO-OP MORTGAGE LENDERS REQUIREMENTS AFTER FORECLOSURE, BANKRUPTCY, SHORT SALE
• (4)Four-year seasoning from BK discharge date or sale of property
• Maximum 60% LTV or 40% downpayment
• No derogatory credit allowed since the bad credit event
• Strong extenuating circumstance and signed letter of explanation from co-op mortgage applicant detailing event required.
NOT ALLOWABLE FOR CALIFORNIA CO-OP MORTGAGE LENDERS
– Structural CALIFORNIA Co-op deficiencies and certain pending litigation (please contact your AE if litigation is not related to a structural issue)
– Incomplete CALIFORNIA Co-op construction of the subject phase
APPROVED OR ALLOWED CALIFORNIA CO-OP MORTGAGE LENDERS CASE BY CASE: 
– Low CALIFORNIA Co-op HOA budget reserves
– HOA CALIFORNIA Co-op delinquencies exceeding 15%
•  CALIFORNIA Co-op mortgage lenders  Questionnaire must be 100% complete for Approval Commitment. No blanks or questions answered “n/a” or “unknown,” and the CALIFORNIA Co-op questionnaire must pass underwriter review.
• CALIFORNIA Co-ops mortgage lenders price CALIFORNIA Co-ops the same as Non-Warrantable Condos, regardless of loan size or CALIFORNIA Co-op questionnaire findings.
• CALIFORNIA Co-op must pust have a full kitchen and at least one separate bedroom. Minimum CALIFORNIA Co-op size 500 square feet generally required. Efficiency CALIFORNIA Co-ops or studio units are not permitted.
• Coinsurance CALIFORNIA Co-op is considered case-by-case if no agreed amount endorsement is available.

SELF EMPLOYED CALIFORNIA CO-OP MORTGAGE LENDERS
Self-Employed co-op mortgage Income calculations
Borrower should be self-employed in the U.S. for a minimum of 2 years (max 80% LTV).
• 2-years business & personal tax returns required, plus year-to-date Profit & Loss statement.
• Business tax returns required for all businesses in which the borrower has 25% ownership or more. On occasion
business tax returns are needed if the borrower is has less than 25% ownership.
• Fannie Mae cash flow analysis form can be used.
• NOL Carryover Loss: Treated case-by-case when truly a one-time occurrence (i.e. real estate loss, lawsuit settlement or some other form of a truly one-time occurrence). Detailed CPA letter addressing the one-time occurrence is required.
• Less than two years self-employment is considered on a case-by-case basis with a reduced LTV.
REQUIRED BY CALIFORNIA CO-OP MORTGAGE LENDERS
• 2-months bank statements for monthly asset accounts, and most recent statement for quarterly asset accounts
(VOD not permitted).
• 6 months PITI for all CALIFORNIA co-op properties owned including subject.
• At least 3 months of the subject property’s reserves must be liquid non-retirement.
CALIFORNIA CO-OP MORTGAGE LENDERS CASE BY CASE MORTGAGE APPROVALS
• CALIFORNIA Co-op Current reserve balance meets or exceeds 2 months of the subject property’s CALIFORNIA Co-op HOA dues in reserves multiplied by all CALIFORNIA Co-op units in the CALIFORNIA Co-op project or 10% or more reserve allocation designated in the most recent CALIFORNIA Co-op budget.
SECOND HOME CALIFORNIA CO-OP MORTGAGE LENDERS
• CALIFORNIA Co-op Mortgage Lenders will typically define a property as a second CALIFORNIA Co-op home if it is (1) located in a vacation or resort area 30 or more miles from the primary CALIFORNIA Co-op residence or (2) used a CALIFORNIA Co-op college housing for enrolled dependent within 5 miles of campus)
• Short-term CALIFORNIA Co-op rental income is allowed on second CALIFORNIA Co-op homes and generally does not constitute a CALIFORNIA Co-op investment property designation. CALIFORNIA Co-op Rental income cannot be used to qualify. An evaluation of the 1040 Schedule E is required.
CALIFORNIA CO-OP MORTGAGE FOR INVESTMENT PROPERTY 
• Property titled in LLC allowed 
• Maximum CALIFORNIA Co-op 60% LTV for investor CALIFORNIA Co-op mortgage lenders.
• Gross rental income is calculated by using a 12 month average of the net Schedule E income (Line 21) plus depreciation, mortgage interest paid to banks, taxes and insurance, and CALIFORNIA Co-op HOA dues.
• Rental income not appearing on Schedule E may be considered case-by-case with 3 months canceled checks and a
current lease agreement. Use 75% of gross rent as gross rental income.
• Immediate CALIFORNIA Co-op rental income on the purchase of an investment property is allowed using 75% of the monthly rent schedule as documented by Form 1007 or 1025.
• Cash-out is allowed up to $3,000,000 with no seasoning required.
WHAT IS A CALIFORNIA CO-OP AND HOW DO I GET A CALIFORNIA MORTGAGE?
A CALIFORNIA Co-op or cooperative apartment is an individual living unit within a CALIFORNIA Co-op building or development where a buyer purchases shares (equal to the value of the unit) in a CALIFORNIA Co-op corporation that holds title to a building   Coops are predominantly located.  Normally a CALIFORNIA Co-op sponsor will buy the building (takes out the underlying CALIFORNIA Co-op mortgage) and then will sell off the shares.  Therefore, when buying a coop, you are actually buying CALIFORNIA Co-op shares in a corporation, not buying real property.

HOW TO CALIFORNIA CO-OP BUILDINGS GET PRE QUALIFIED BY CALIFORNIA MORTGAGE LENDERS?
To start with CALIFORNIA Co-op lender will look at the following factors to see if a particular CALIFORNIA Co-op building corresponds with their guidelines:  the CALIFORNIA Co-op property’s resale value, investor concentration, and CALIFORNIA Co-op owner occupancy.  Based on the previous example, if there are 20 units, five sponsor rentals and 15 sold units (with 12 owner-occupied units and 3 units being rented by the CALIFORNIA Co-op owners), the following ratios and guideline percentages result:
HOW IS A CALIFORNIA CO OP DIFFERENT FROM A HOUSE OR CONDO?
When you get a mortgage to purchase a  house or condo you get the deed. But not with a CALIFORNIA Co-op, individual units do not have individual deeds. A CALIFORNIA Co-op mortgage is actually a “share-loan” or a loan that purchases a share within in the CALIFORNIA Co-op. The difference makes securing a loan for a CALIFORNIA Co-op more complicated them getting a traditional mortgage and fewer mortgage lenders offer share loans.

CALIFORNIA COOP BOARDS AND APPROVAL RULES
To buy into a CALIFORNIA Co-op, you must be approved by the California Co-op board. The approval process is often extensive and may require interviews and character references, in addition to your employment, financial, and credit history. CALIFORNIA Co-op boards can refuse a prospective buyer for any reason, so long as it doesn’t run afoul of anti-discrimination policies. What you can do WITH your CALIFORNIA Co-op unit. As a CALIFORNIA Co-op shareholder, you don’t have the right of alienation where basically, you can’t sell your CALIFORNIA Co-op share (or rent your CALIFORNIA Co-op unit) without the permission of the CALIFORNIA Co-op board. Some CALIFORNIA Co-op associations have the right of first refusal, meaning they have the option to buy the property before you offer your CALIFORNIA Co-op to outside buyers. CALIFORNIA Co-op boards, though, can simply deny a sale without matching the sale price.

HOW CALIFORNIA COOP OWNERSHIP DIFFERS FROM CONDO OWNERSHIP
When you purchase a condominium you are purchasing a specific unit the surface and the interior walls of the unit in the space the condo contains. With a Co-op, you are purchasing a share in a corporation, which then entitles you to a unit. This share is considered personal property rather than real estate. 

2. PRINT OUT CONDO QUESTIONNAIRE FOR ASSOCIATION TO FILL OUT COMPLETE.  the questionnaire must be 100% complete for Approval Commitment. No blanks or questions answered “n/a” 
or “unknown,” and the questionnaire must pass underwriter review.

Co Op Mortgage Lenders California Anaheim, Apple Valley, Bakersfield, Berkeley, Carlsbad, Chula Vista, Clovis, Concord, Corona, Costa Mesa, Daly City, Davis, El Cajon, Encinitas, Escondido, Fairfield, Fontana, Fremont, Fresno, Glendale, Hayward, Hemet, Hesperia, Huntington Beach, Irvine, Laguna Niguel, Lancaster, Lodi, Long Beach, Los Angeles, Merced, Milpitas, Modesto, Moreno Valley, Napa, Oakland, Oceanside, Oxnard, Palmdale, Pasadena, Petaluma, Redding, Riverside, Roseville, Sacramento, Salinas, San Bernardino, San Buenaventura, San Diego, San Francisco, San Jose, San Mateo, San Rafael, Santa Ana, Santa Barbara, Santa Clara, Santa Clarita, Santa Cruz, Santa Maria, Santa Rosa, Santee, Simi Valley, Stockton, Sunnyvale, Thousand Oaks, Torrance, Turlock, Vacaville, Vallejo, Victorville, Visalia and Vista.

CALIFORNIA COOP MORTGAGE LENDERS SERVING EVERY California Co-op mortgage lenders IN CALIFORNIA 

California Cities
Click on a California Co-op mortgage lenders to display the entries for that California California Co-op mortgage lenders.
Acton
Adelanto
Agoura California Co-op mortgage lenders
Agua Dulce
Alameda
Alamo
Albany
Alhambra
Aliso Viejo
Alpine
Alta Loma
Altadena
Alturas
Amador California Co-op mortgage lenders
Anaheim
Anaheim California Co-op mortgage lenders
Anderson
Angels Camp
Angelus Oaks
Antelope
Antioch
Anza
Apple California Co-op mortgage lenders
Applegate
Aptos
Arcadia
Arcata
Arleta
Armona
Arnold
Aroura California Co-op mortgage lenders
Arroyo Grande
Atascadero
Atwater
Atwood
Auberry
Auburn
Avalon
Avery
Avila California Co-op mortgage lenders
Azusa
Bakersfield
Baldwin California Co-op mortgage lenders
Bangor
Banning
Barstow
Bay Point
Bayside
Bel Air
Bell
Bellflower
Belmont
Belmont Shores
Belvedere
Ben Lomond
Benicia
Berkeley
Berry Creek
Beverly California Co-op mortgage lenders
Big Bear California Co-op mortgage lenders
Big Bear California Co-op mortgage lenders
Big Sur
Bishop
Blue Jay
Blue California Co-op mortgage lenders
Blythe
Bolinas
Bonita
Borrego Springs
Bothell
Boulder Creek
Brea
Breenbrae
Brentwood
Brisbane
Buellton
Buena California Co-op mortgage lenders
Burbank
Burlingame
Burlington
Calabasas
California California Co-op mortgage lenders
Calimesa
Calistoga
Camarillo
Cambria
Cameron California Co-op mortgage lenders
Campbell
Campo
Canoga California Co-op mortgage lenders
Canyon Country
Canyon California Co-op mortgage lenders
Capistrano California Co-op mortgage lenders
Capitola
Cardiff
Cardiff-by-the-Sea California Co-op mortgage lenders
Carlsbad
Carmel California Co-op mortgage lenders
Carmel California Co-op mortgage lenders
Carmichael
Carpinteria
Carson
Castaic
Castro California Co-op mortgage lenders
Catalina Island
Cathedral California Co-op mortgage lenders
Cayucos
Cedar Glen
Cedar Ridge
Ceres
Cerritos
Chatsworth
Cherry California Co-op mortgage lenders
Chester
Chico
China California Co-op mortgage lenders
Chino
Chino California Co-op mortgage lenders
Chula Vista
Citrus Heights
California Co-op mortgage lenders of Industry
Claremont
Clayton
ClearCalifornia Co-op mortgage lenders Oaks
ClearCalifornia Co-op mortgage lenders
Cloverdale
Clovis
Coarsegold California Co-op mortgage lenders
Colfax
Coloma California Co-op mortgage lenders
Colton
Columbia
Colusa
Commerce
Compton California Co-op mortgage lenders
Concord
Cordelia
Corning
Corona
Corona del Mar California Co-op mortgage lenders
Coronado
Corralitos
Corte Madera
Costa Mesa
Cotati
Coto de Caza
Covina
Crescent California Co-op mortgage lenders
Crestline
Crockett
Culver California Co-op mortgage lenders
Cupertino
Cutten
Cypress
Daly California Co-op mortgage lenders
Dana Point
Danville
Davis
Del Mar
Desert Hot Springs
Diamond Bar
Diamond Springs
Dobbins
Dominguez California Co-op mortgage lenders
Dove Canyon
Downey
Duarte
Dublin
Durham
East Palo Alto
Edwards
Edwards AFB
El Cajon
El Camino Village
El Centro
El Cerrito
El Dorado
El Dorado California Co-op mortgage lenders
El Granada
Elk
El Grove
El Macero
El Monte
El Segundo
Elk Sobrante
El Toro
Emeryville
Encinitas
Encino
Escondido
Etiwanda
Etna
Eureka
Exeter
Fairfax
Fairfield
Fair Oaks
Fallbrook
Felton
Ferndale
Fieldbrook
Fillmore
Flournoy
Folsom
Fontana
Foothill Ranch
Foresthill
Forest Ranch
Fort Bragg
Fortuna
Foster California Co-op mortgage lenders
Fountain California Co-op mortgage lenders
Frazier California Co-op mortgage lenders
Freedom
Fremont
Fresno
Frogtown
Fullerton
Galt
Garberville
Gardena
Gardena Grove
Gilroy
Glendale
Glendora
Glen Ellen
Glenn
Gold California Co-op mortgage lenders
Goleta
Granada California Co-op mortgage lenders
Grand Terrace
Grass California Co-op mortgage lenders
Greenbrae
Groveland
Grover California Co-op mortgage lenders
Gualala
Guerneville
Hacienda Heights
Half Moon Bay
Hanford
Harbor California Co-op mortgage lenders
Hawthorne
Hayfork
Hayward
Healdsburg
Hemet
Hercules
Hermosa California Co-op mortgage lenders
Hesperia
Highland
Hinkley
Hollister
Hollywood
Homeland
Honcut
Humboldt
Huntington California Co-op mortgage lenders
Huntington California Co-op mortgage lenders
Idyllwild
Imperial
Imperial California Co-op mortgage lenders
Independence
Indian Wells
Indio
Inglewood
Inverness
Ione
Irvine
Irwindale
Isla Vista
Isleton
Jackson
Jacumba
Jamestown
Jamul
Jenner
Joshua Tree California Co-op mortgage lenders
Julian
Kelseyville
Kensington
Kentfield
Kenwood
King California Co-op mortgage lenders
Klamath
Klamath California Co-op mortgage lenders
La Canada
La Canada Flintridge
La Crescenta
La Habra
La Honda
La Jolla
La Mesa California Co-op mortgage lenders
La Mirada
La Palma
La Quinta California Co-op mortgage lenders
La Verne
Ladera Ranch
Lafayette
Laguna California Co-op mortgage lenders
Laguna California Co-op mortgage lenders
Laguna Niguel
California Co-op mortgage lenders Almanor
California Co-op mortgage lenders Arrowhead
California Co-op mortgage lenders California Co-op mortgage lenders
California Co-op mortgage lenders Elsinore
California Co-op mortgage lenders Forest
California Co-op mortgage lenders Isabella
California Co-op mortgage lendersport
California Co-op mortgage lendersside
California Co-op mortgage lenders Tahoe
California Co-op mortgage lendersview Terrace
California Co-op mortgage lenderswood
Lamont
Lancaster
Larkspur
Lathrop
Lawndale
Leggett California Co-op mortgage lenders
Lemon Grove
Lemoore
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