--- title: "Mortgage Loans in California | Nate Moghadam, NMLS #906770" description: "FHA, Conventional, VA, Jumbo & Non-QM loans in California. Nate Moghadam (NMLS #906770) helps CA buyers navigate high-cost markets. Book a free call." image: https://45730973.fs1.hubspotusercontent-na1.net/hubfs/45730973/raw_assets/public/nateloans/images/og-image.png --- [NateLoans](https://nateloans.com/?hsLang=en) [About](https://nateloans.com/#about)[Loan Types](https://nateloans.com/#loans)[Calculators](https://nateloans.com/#tools)[How It Works](https://nateloans.com/#process)[Reviews](https://nateloans.com/#reviews)[Blog](https://nateloans.com/blog?hsLang=en)[Contact](https://nateloans.com/#contact) [(617) 945-3632](tel:6179453632) [Get Pre-Approved](https://mobile.fairwaynow.com/homehub/signup/nate.moghadam@FAIRWAYMC.COM) [Home](https://nateloans.com/?hsLang=en)[Mortgage Loans](https://nateloans.com/#loans)California Nate Moghadam  ·  NMLS #906770  ·  Fairway Independent Mortgage # Mortgage Loans in California From buying a first home in Los Angeles to financing a high-value property in the Bay Area, Nate Moghadam brings every major loan program — including Jumbo and Non-QM — to California buyers who need a lender that actually delivers. [Start Your Pre-Approval](https://mobile.fairwaynow.com/homehub/signup/nate.moghadam@FAIRWAYMC.COM) [Book a Free Call](https://calendly.com/natemoghadam/homebuyer-consultation) Licensed in California 10+ Years Experience 5-Star Rated Direct Access to Nate Licensed in California ## Your Local Mortgage Expert in California I'm Nate Moghadam, a mortgage loan officer with Fairway Independent Mortgage Corporation, fully licensed in California. For over 10 years I've been helping buyers across the state — from first-time homebuyers in Sacramento and San Diego to high-net-worth buyers in Los Angeles and Silicon Valley who need Jumbo or Non-QM financing. California is one of the most expensive and competitive real estate markets in the country, and that demands a lender who moves fast, communicates clearly, and knows how to structure loans for a wide range of financial situations. Whether you're using W-2 income or qualifying on bank statements as a self-employed borrower, I'll find the program that fits. When you work with me, you get a direct line — not a call center. I'll walk you through your options, issue your pre-approval quickly, and stay in constant contact with your agent from offer to closing. - **All major loan types:** FHA, Conventional, VA, Jumbo, and Non-QM loans available in California - **Fast pre-approvals:** Solid pre-approval letters that give you a real edge in competitive markets - **Direct communication:** Call or text Nate directly — no call centers, no voicemail loops - **On-time closings:** Agents and buyers across California trust Nate to close on schedule [Book a Free Call](https://calendly.com/natemoghadam/homebuyer-consultation) [(617) 945-3632](tel:6179453632) ### Ready to Buy in California? Get started today. Pre-approval takes minutes and there's no obligation. [Start Pre-Approval](https://mobile.fairwaynow.com/homehub/signup/nate.moghadam@FAIRWAYMC.COM) [Book a Call First](https://calendly.com/natemoghadam/homebuyer-consultation) --- [(617) 945-3632](tel:6179453632) [nate@nateloans.com](mailto:nate@nateloans.com) --- Nate Moghadam · NMLS #906770 Fairway Independent Mortgage Corp · NMLS #2289 Equal Housing Lender Available Programs ## Loan Types Available in California Every buyer's situation is different. Nate will help you find the program that fits your goals and finances. ### FHA Loans Great for first-time buyers. Down payments as low as 3.5% and flexible credit requirements. - Down payment from 3.5% - Flexible credit requirements - Government-backed [Learn About FHA](https://nateloans.com/fha-loans?hsLang=en) ### Conventional Loans Competitive rates, no upfront MIP, and down payments from 3% for qualified buyers. - Down payment from 3% - No upfront MIP - PMI removable when eligible [Learn About Conventional](https://nateloans.com/conventional-loans?hsLang=en) ### VA Loans Zero down payment, no PMI, and competitive rates for veterans and active-duty military. - 0% down payment - No private mortgage insurance - Competitive VA rates [Learn About VA](https://nateloans.com/va-loans?hsLang=en) ### Jumbo Loans Financing for high-value properties above conforming loan limits — common throughout California. - Above conforming limits - Competitive rates - Flexible underwriting [Learn About Jumbo](https://nateloans.com/jumbo-loans?hsLang=en) ### Non-QM Loans Self-employed? Investor? Flexible qualification for buyers who don't fit the standard box. - Bank statement programs - Investor cash flow loans - ITIN & alternative doc [Learn About Non-QM](https://nateloans.com/non-qm-loans?hsLang=en) Not sure which loan is right for you? [Book a Free 15-Minute Call](https://calendly.com/natemoghadam/homebuyer-consultation) Common Questions ## Mortgage FAQs for California Buyers Straight answers to the questions Nate hears most from buyers in California. Is Nate Moghadam licensed to offer mortgages in California? Yes. Nate Moghadam (NMLS #906770) is fully licensed in California through Fairway Independent Mortgage Corporation (NMLS #2289). You can verify his license at [NMLS Consumer Access](https://www.nmlsconsumeraccess.org/). What loan programs are available in California? Nate offers FHA loans (3.5% down), Conventional loans (3% down), VA loans (0% down for veterans), Jumbo loans for high-cost Los Angeles and Bay Area properties, and Non-QM loans for self-employed buyers and investors. What's the minimum down payment to buy a home in California? As little as 3.5% with an FHA loan (580+ credit score), 3% with a Conventional loan for first-time buyers, or 0% with a VA loan for eligible veterans. Nate will help you find the right fit for your savings and situation. How competitive is the California housing market? California — particularly the Bay Area, Los Angeles, and San Diego — ranks among the most expensive and competitive housing markets in the nation. Prices regularly push buyers into Jumbo territory, and multiple-offer situations are common in desirable neighborhoods. A **strong pre-approval letter from a lender known for executing cleanly** is your best edge. Nate issues pre-approvals fast and keeps files on track through to closing. How long does it take to close on a mortgage in California? A typical purchase closes in **30–45 days** from accepted offer. Pre-approval can happen in 1–2 business days. Nate works proactively to hit your contracted close date — on-time closings are something his agent partners specifically rely on. How do I get pre-approved for a mortgage in California? [Apply online](https://mobile.fairwaynow.com/homehub/signup/nate.moghadam@FAIRWAYMC.COM) — it takes about 10 minutes. Or [book a free call with Nate](https://calendly.com/natemoghadam/homebuyer-consultation) to talk through your situation first. No pressure, no obligation. ## Ready to buy in California? Talk to Nate directly — no forms, no call centers, no runaround. [Book a Free Call](https://calendly.com/natemoghadam/homebuyer-consultation) [Get Pre-Approved](https://mobile.fairwaynow.com/homehub/signup/nate.moghadam@FAIRWAYMC.COM) ### Book a Free Call Pick a time that works for you. It only takes a minute. [NateLoans](https://nateloans.com/?hsLang=en) Nate Moghadam Fairway Independent Mortgage Corporation NMLS #906770 #### Loan Types [FHA Loans](https://nateloans.com/fha-loans?hsLang=en)[Conventional](https://nateloans.com/conventional-loans?hsLang=en)[VA Loans](https://nateloans.com/va-loans?hsLang=en)[Jumbo Loans](https://nateloans.com/jumbo-loans?hsLang=en)[Non-QM](https://nateloans.com/non-qm-loans?hsLang=en) #### Quick Links [About Nate](https://nateloans.com/#about)[Calculators](https://nateloans.com/#tools)[Blog](https://nateloans.com/blog?hsLang=en)[Book a Call](https://calendly.com/natemoghadam/homebuyer-consultation)[Get Pre-Approved](https://mobile.fairwaynow.com/homehub/signup/nate.moghadam@FAIRWAYMC.COM) #### Contact [(617) 945-3632](tel:6179453632)[nate@nateloans.com](mailto:nate@nateloans.com)[Disclosures](http://bit.ly/FIMCDisclosures) © 2026 Nate Moghadam  ·  Fairway Independent Mortgage Corporation  ·  NMLS #906770  ·  Company NMLS #2289  ·  Equal Housing Lender  ·  [Disclosures](http://bit.ly/FIMCDisclosures) Powered by [michaeljwong.dev](https://michaeljwong.dev) This is not a commitment to lend. All loans subject to credit approval. Rates and terms subject to change without notice. ```json { "@context" : "https://schema.org", "@type" : "FinancialService", "areaServed" : "California", "description" : "Mortgage loan officer Nate Moghadam (NMLS #906770) offers FHA, Conventional, VA, Jumbo, and Non-QM loans in California through Fairway Independent Mortgage Corporation.", "name" : "NateLoans — Mortgage Loans in California", "telephone" : "+16179453632", "url" : "https://www.nateloans.com/california-mortgage" } ```