West Cal Financial - Real Estate & Mortgage Brokerage

West Cal Financial - Real Estate & Mortgage Brokerage West Cal Financial has designed a unique home selling system. Sell your home fast and for top dollar. We also can help you with financing for your home!

Novato one-stop real estate + mortgage team serving Marin & Sonoma. Buy with us & use our mortgage—we credit our loan officer's commission back to help lower your rate or offset eligible closing costs (conditions apply). We’re lifelong locals offering one-stop real estate + mortgage in Novato, serving all of Marin & Sonoma Counties. By aligning home search, financing, and design-forward prep under

one roof, we help buyers write stronger offers and help sellers stand out online—faster, clearer, and with fewer handoffs. What makes us different
• Exclusive Buyer Advantage: When you buy with us and use our mortgage, we credit back our loan officer commission to help reduce your interest rate or offset eligible closing costs (conditions apply).
• Seller Edge: Smart pricing, staging/design, and ADU/permit insight to highlight value and attract the best offers.
• Services: Buyer representation, listing strategy, pre-approval, rate buydowns, bridge-to-buy solutions, investor support, and property-management insight.
• Community: We donate $250 per funded loan/lease and $500 per closed real estate sale to the school or charity you choose. By appointment; consultations available. Compliance: Not a commitment to lend. Subject to credit approval, loan type, investor guidelines, and limits. Third-party fees still apply. Equal Housing Lender / Equal Housing Opportunity. Licensing
Brandon McGrath — CA DRE 01867243; NMLS 334707. Angel Morales — CA DRE 01923083. West Cal Financial — NMLS 368447.

📈 Markets are waiting on the latest inflation data.The results could influence future interest rate expectations and mor...
06/10/2026

📈 Markets are waiting on the latest inflation data.

The results could influence future interest rate expectations and mortgage rates. Until then, investors are taking a cautious approach and watching closely.

06/10/2026

Is it true that curb appeal sells houses before buyers ever walk through the door? Seems so...

06/10/2026

May CPI data was right on forecasts. Overall year/year at...

💼🏡 Self-employed and wondering if you can still buy a home?You're not alone.Many entrepreneurs, consultants, freelancers...
06/10/2026

💼🏡 Self-employed and wondering if you can still buy a home?

You're not alone.

Many entrepreneurs, consultants, freelancers, and small business owners assume getting approved for a mortgage will be difficult because they don't have traditional W-2 income.

The truth is that many self-employed buyers successfully purchase homes every year.

The process is simply different.

Lenders typically want to see:
✅ Two years of tax returns
✅ Business financial documentation
✅ Consistent income history
✅ Evidence that your business is likely to continue

One thing that surprises many business owners is that lenders often qualify you based on your net income after deductions—not your gross revenue.

That's why planning ahead can make a huge difference.

In some situations, specialized bank statement loan programs may also provide additional options for self-employed borrowers.

The key is understanding your numbers before you start house hunting.

If you're self-employed and thinking about buying in Novato, Marin County, or Sonoma County, don't assume you won't qualify. Get the facts first.

Read our latest blog to learn more. https://westcalfinancial.com/novato/f/can-i-buy-a-home-in-novato-if-im-self-employed

🏡 Novato Housing Market UpdateThis week’s housing update shows a mixed picture for buyers and homeowners.Across Californ...
06/09/2026

🏡 Novato Housing Market Update

This week’s housing update shows a mixed picture for buyers and homeowners.

Across California, new listings increased while closed and pending sales moved lower. Locally in Novato, active inventory is higher than it was a year ago, giving buyers more homes to consider. At the same time, sold and pending activity has slowed, highlighting the importance of thoughtful pricing and preparation for sellers.

What does this mean?

✔️ Buyers may have more options to choose from.
✔️ Homeowners should focus on pricing strategy and presentation.
✔️ Mortgage rates and market conditions continue to play an important role in the decision-making process.

While local markets can behave differently, updates like these help provide insight into the broader housing landscape and can help buyers and homeowners make more informed decisions.

At West Cal Financial, we're here to help simplify both the mortgage and real estate sides of the process with clear, local guidance.

📍 Serving Novato, Marin County, and Sonoma County.

West Cal Financial
Angel Morales - Lic #01923083
P. 415-497-0768
E. [email protected]
Office: 1775 Indian Valley Rd. Novato Ca. 94947

📊 Quick Market UpdateMortgage rates held steady today after last week's increase following the latest jobs report.While ...
06/09/2026

📊 Quick Market Update

Mortgage rates held steady today after last week's increase following the latest jobs report.

While oil prices and Middle East headlines created some market uncertainty, mortgage rates remained unchanged. All eyes now turn to tomorrow's inflation report, which could influence bond markets and future rate movement.

If you're thinking about buying or refinancing, staying informed is key—but remember, the most important number is the payment that fits comfortably within your budget.

🏡 Focus on the monthly payment — not just the price.



West Cal Financial
Angel Morales - Lic #01923083
P. 415-497-0768
E. [email protected]
Office: 1775 Indian Valley Rd. Novato Ca. 94947

06/09/2026

In the fashion world, it boils down to what one would think is simple...

06/09/2026

Total Goods and Services Trade for April improved from...

🎓💰🏡 "I have student loans. Can I still buy a home?"Absolutely.This is one of the most common questions we hear from firs...
06/09/2026

🎓💰🏡 "I have student loans. Can I still buy a home?"

Absolutely.

This is one of the most common questions we hear from first-time buyers, especially those in their late 20s and 30s.

Having student loan debt does not automatically prevent you from buying a home. What matters is how those payments fit into your overall financial picture.

Lenders look at:
✅ Your income
✅ Your credit history
✅ Your monthly debt obligations
✅ Your debt-to-income ratio (DTI)

If your loans are on an income-based repayment plan or currently deferred, the calculation may be different depending on the loan program you're using.

That's why it's important not to rely on assumptions.

We've worked with many buyers throughout Marin and Sonoma County who carried student loan debt and still successfully purchased a home.

The key is getting a real assessment of your situation and understanding your options.

You may be much closer to homeownership than you think.

"Don't let student loans keep you from exploring your options. A quick strategy call can help you understand exactly where you stand and what steps may help you move closer to homeownership."

Read the full article and reach out if you have questions. https://westcalfinancial.com/novato/f/can-i-buy-a-home-in-novato-with-student-loans

06/08/2026

The economy keeps sending mixed signals, and the jobs market is no exception...

Address

1775 Indian Valley Road Novato Ca. 94947
Novato, CA
94945

Opening Hours

Monday 9am - 9pm
Tuesday 9am - 9pm
Wednesday 9am - 9pm
Thursday 9am - 9pm
Friday 9am - 9pm
Saturday 9am - 9pm
Sunday 9am - 9pm

Website

Alerts

Be the first to know and let us send you an email when West Cal Financial - Real Estate & Mortgage Brokerage posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to West Cal Financial - Real Estate & Mortgage Brokerage:

Shortcuts

Share

Category