C & S California Capital

C & S California Capital C&S California Capital was established in 1997 as a Mortgage Broker dedicated to provide informed, exceptional service.

Mortgage Banker
DRE #01215943
NMLS #1850 * Branch NMLS #1155129
Equal Housing Opportunity
Licensed by the Dept of Financial Protection and
Innovation under the CRMLA

www.nmlsconsumeraccess.org In January 2014, we became a division of American Pacific Mortgage. Becoming a direct lender as well as retaining the ability to broker loans, allows us to be highly efficient, diverse and resourceful in

caring for our clients needs. Our experienced, knowledgeable staff provide our clients, realtors and associates with respect and professionalism while exceeding our customer expectations and maintaining the integrity of our company. We provide customers with the information needed to make informed decisions. We are advocates for consumer education and careful financial reform. We are involved and committed to our local communities and the improvement of the mortgage industry. Specialties:
*First Time Buyers including down payment assistance programs
*Conventional and Government Financing
*Commercial Property Financing
*Mobile Home Financing

Equal Housing Opportunity

09/01/2026

Thinking about a home upgrade but hesitant to dip into your savings?
Your home’s equity could be the answer.

From kitchen updates to bathroom remodels or energy-efficient upgrades, you can use your equity to fund improvements that elevate your lifestyle and increase your home’s value.

With flexible options like a cash-out refinance or HELOC, your dream renovation might be closer than you think.

🔨 Let’s explore how your equity can work for you—reach out today!
https://myoc.io/cscalcap

Branch NMLS # 1155129

08/27/2026

The rules of mortgage lending have changed.

We believe home financing should fit your life, not the other way around.

If you’ve been told your credit score isn’t good enough to buy a home, it may be time for a second look. With a broad range of mortgage solutions, including programs designed for first-time homebuyers, borrowers with new or rebuilding credit, and those with unique financial situations, we’ve helped more people find a path to homeownership.
Don’t assume you don’t qualify. Let's Talk.
https://myoc.io/cscalcap



Branch NMLS # 1155129

Freelance income. Multiple jobs. Bonuses and commissions. If your income doesn't fit in a neat box, you're not alone, an...
08/25/2026

Freelance income. Multiple jobs. Bonuses and commissions. If your income doesn't fit in a neat box, you're not alone, and it doesn't have to be a dealbreaker. Mortgage options have evolved. Let's see what fits your situation.
https://myoc.io/cscalcap



Branch NMLS # 1155129

The 20% down payment rule isn't the rule anymore. Many buyers purchase a home with far less. The best first step isn't s...
08/20/2026

The 20% down payment rule isn't the rule anymore. Many buyers purchase a home with far less. The best first step isn't saving more, it's understanding what's actually available to you. We're happy to walk through the numbers.
https://myoc.io/cscalcap



Branch NMLS # 1155129

Think you need perfect credit to buy a home? That's one of the biggest myths out there. Plenty of homebuyers qualify wit...
08/18/2026

Think you need perfect credit to buy a home? That's one of the biggest myths out there. Plenty of homebuyers qualify with credit that isn't flawless. You might be a lot closer to owning a home than you think. Let's look at where you actually stand.
https://myoc.io/cscalcap



Branch NMLS # 1155129

Summer isn't about the calendar. It's about the moments that stick — the ones you'll still be talking about at Thanksgiv...
08/13/2026

Summer isn't about the calendar. It's about the moments that stick — the ones you'll still be talking about at Thanksgiving.

Windows down. Feet up. No agenda but the road ahead.

What's a memory you made in flip-flops this summer?
https://myoc.io/cscalcap



Branch NMLS # 1155129

Self-employed doesn't mean no mortgage. Your tax returns aren't the only way lenders can look at your income. There are ...
08/11/2026

Self-employed doesn't mean no mortgage. Your tax returns aren't the only way lenders can look at your income. There are more paths to qualifying than most people realize. Let's talk through your situation.
https://myoc.io/cscalcap



Branch NMLS # 1155129

Old thinking says home financing has one set of rules. New reality? There's more flexibility than most people realize, w...
08/06/2026

Old thinking says home financing has one set of rules. New reality? There's more flexibility than most people realize, whether that's down payment, income documentation, or the type of program that fits your situation. The best way to know what applies to you is a conversation, not a guess. Let's talk through your options.
https://myoc.io/cscalcap



Branch NMLS # 1155129

Real estate investors, this one's for you. Some programs look at what the property earns, not your tax returns. That can...
08/04/2026

Real estate investors, this one's for you. Some programs look at what the property earns, not your tax returns. That can open up ways to grow your portfolio without the usual paperwork limits. Worth a conversation if you've been holding back.
https://myoc.io/cscalcap



Branch NMLS # 1155129

Homeownership is part of the American dream and like any great tune, it’s strongest when we build it together. Ready to ...
07/30/2026

Homeownership is part of the American dream and like any great tune, it’s strongest when we build it together. Ready to take the next step? We’re here to help. 🇺🇸🏡
https://myoc.io/cscalcap



Branch NMLS # 1155129

Address

1041 E. Baseline Road
Claremont, CA
91711

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

Telephone

+16266531800

Website

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