# California Mortgage Brokers, Inc > California Mortgage Brokers, Inc is an independently owned mortgage brokerage based in West Covina, California. Led by Mortgage Broker Hector J. Perez (NMLS #1808946), the company helps clients purchase homes, refinance existing mortgages, and access a broad range of loan programs with competitive rates, personalized service, and fast processing. Licensed in California (Corporate NMLS #1926998, CA DRE #02108419). California Mortgage Brokers, Inc works with multiple lenders to secure competitive rates and terms tailored to each client's unique financial situation. The company serves first-time homebuyers, veterans, self-employed borrowers, real estate investors, foreign nationals, and homeowners looking to refinance or tap home equity. ## Business Information - **Company:** California Mortgage Brokers, Inc - **Mortgage Broker:** Hector J. Perez (NMLS #1808946) - **Corporate NMLS ID:** 1926998 - **CA DRE License:** 02108419 - **Address:** 150 N Grand Ave, Suite 204, West Covina, CA 91791 - **Main Phone:** 626-248-8007 - **Direct Phone (Hector):** 626-705-6117 - **Email:** hperez@camtgbrokers.com - **Licensed in:** California (CA) - **Website:** https://www.camtgbrokers.com ## Loan Programs - [All Loan Programs](https://www.camtgbrokers.com/loan-programs): Overview of all available loan types. - [Conventional Loans](https://www.camtgbrokers.com/loan-programs/conventional-loans): Competitive fixed- and adjustable-rate loans conforming to Fannie Mae/Freddie Mac guidelines. Suitable for well-qualified borrowers; does not require a large down payment. - [FHA Loans](https://www.camtgbrokers.com/loan-programs/fha-loans): Government-backed loans insured by the Federal Housing Administration. Accommodates lower credit scores, higher debt-to-income ratios, and low down payments. Popular with first-time homebuyers. - [VA Loans](https://www.camtgbrokers.com/loan-programs/va-loans): Loans backed by the U.S. Department of Veterans Affairs for eligible veterans, active-duty service members, and qualifying National Guard/Reserves members. No down payment required, competitive rates, reduced closing costs. - [USDA Loans](https://www.camtgbrokers.com/loan-programs/usda-loans): Zero-down-payment loans for eligible rural and suburban homebuyers, backed by the U.S. Department of Agriculture. - [Jumbo Loans](https://www.camtgbrokers.com/loan-programs/jumbo-loans): Financing for high-value properties that exceed conforming loan limits set by Fannie Mae and Freddie Mac. Requires strong credit and substantial down payment. - [Non-QM Loans](https://www.camtgbrokers.com/loan-programs/non-qm-loans): Flexible income-verification loans for self-employed and non-traditional borrowers, using bank statements or assets instead of tax returns. Accommodates borrowers who don't meet standard qualified mortgage criteria. - [DSCR Loans](https://www.camtgbrokers.com/loan-programs/dscr-loans): Debt Service Coverage Ratio loans for real estate investors. Qualification is based on the property's rental income and cash flow rather than the borrower's personal income. - [Construction Loans](https://www.camtgbrokers.com/loan-programs/construction-loans): Short-term financing for building a new home from the ground up. - [Commercial Loans](https://www.camtgbrokers.com/loan-programs/commercial-loans): Financing for commercial real estate and business properties. - [Foreign National Loans](https://www.camtgbrokers.com/loan-programs/foreign-national-loans): Mortgage options for non-U.S. citizens purchasing property in the United States. - [Refinance Loans](https://www.camtgbrokers.com/loan-programs/refinance-loans): Replace an existing mortgage with a new one to obtain a lower interest rate, change loan terms, or access home equity via a cash-out refinance. - [Reverse Mortgage Loans](https://www.camtgbrokers.com/loan-programs/reverse-mortgage-loans): Allows homeowners age 62+ to convert home equity into loan proceeds without requiring monthly mortgage payments. ## Get a Quote - [Get a Quote (Overview)](https://www.camtgbrokers.com/get-a-quote) - [Purchase Quote](https://www.camtgbrokers.com/get-a-quote/purchase) - [Refinance Quote](https://www.camtgbrokers.com/get-a-quote/refinance) - [First-Time Home Buyer Quote](https://www.camtgbrokers.com/get-a-quote/first-time-home-buyers) - [Reverse Mortgage Quote](https://www.camtgbrokers.com/get-a-quote/reverse-mortgages) - [VA Loan Quote](https://www.camtgbrokers.com/get-a-quote/va-loans) ## Apply & Get Started - [Apply Now (Overview)](https://www.camtgbrokers.com/applications) - [Full Loan Application](https://www.camtgbrokers.com/applications/dashboard?ln=en&app_type=full) - [Quick Loan Application](https://www.camtgbrokers.com/applications/dashboard?ln=en&app_type=quick) - [Secure Document Upload](https://www.camtgbrokers.com/applications/dashboard?ln=en&app_type=secure-documents) - [Smart Pay (Pre-Qualification)](https://consumers.advcredit.com/PreQual?id=R8yE) ## Mortgage Information & Resources - [Frequently Asked Mortgage Questions](https://www.camtgbrokers.com/mortgage-information/frequently-asked-mortgage-questions) - [Requested Documents](https://www.camtgbrokers.com/mortgage-information/requested-documents): List of documents typically needed during the loan process. - [Loan Process](https://www.camtgbrokers.com/mortgage-information/loan-process): Step-by-step overview of the mortgage process from application to closing. - [Mortgage Calculators](https://www.camtgbrokers.com/mortgage-information/calculators): Tools to estimate payments, affordability, and potential savings. - [Mortgage Glossary](https://www.camtgbrokers.com/mortgage-information/mortgage-glossary): Definitions of common mortgage terms. - [Mortgage News](https://www.camtgbrokers.com/mortgage-information/mortgage-news): Current market trends and industry updates. - [Blog](https://www.camtgbrokers.com/blog): Articles on homebuying tips, loan types, and market insights. ## About & Team - [About Us](https://www.camtgbrokers.com/aboutus) - [Meet Our Professionals](https://www.camtgbrokers.com/aboutus/meet-our-professionals) - [Reviews](https://www.camtgbrokers.com/aboutus/reviews) - [Contact Us](https://www.camtgbrokers.com/contactus) ## Legal & Compliance - [Licensing](https://www.camtgbrokers.com/licensing) - [Privacy Policy](https://www.camtgbrokers.com/privacy-policy) - [Accessibility Statement](https://www.camtgbrokers.com/accessibility-statement) - [CCPA Notice](https://www.camtgbrokers.com/ccpa-do-not-sell-my-personal-information) - [Do Not Sell or Share My Personal Information](https://www.camtgbrokers.com/do-not-sell) - [NMLS Consumer Access](https://nmlsconsumeraccess.org/) Interest rates and loan programs are subject to change without notice and may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all loan terms.