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All California Mortgage Whether you are buying, refinancing or acquiring home equity - we're your #1 resource. Equal Housing Opportunity. NMLS #: 1850 / DRE 01215943. Licensed in CA.

Licensed by the Dept. of Financial Protection and Innovation under the CRMLA. NMLS 1850. Licensed in California by the Dept. Licensed in CA.

*Third-party links shared by All California Mortgage do not necessarily represent the views of All California Mortgage, but the views of the third-party affiliate. All California Mortgage is not a Real Estate Broker. Properties shown in the Real Estate links provided are not being sold by All California Mortgage.

Home equity is the difference between your property's current market value and the amount you owe on loans secured by th...
10/20/2026

Home equity is the difference between your property's current market value and the amount you owe on loans secured by the home.

As you pay down your mortgage, you may build equity over time. Changes in your home's market value can also affect how much equity you have.

Understanding your equity can be helpful when considering refinancing, home improvements, or selling your property.

Have questions about your home's equity and how it may factor into your mortgage options? Reach out to All California Mortgage to start the conversation.

Having friends over for dinner, painting a room exactly how you want it, or finally having a backyard with space for the...
10/17/2026

Having friends over for dinner, painting a room exactly how you want it, or finally having a backyard with space for the dog to run. These are some of the things that make owning a home special.

If homeownership is something you've been thinking about, we'd love to help you explore your financing options.

Reach out to us today, and let's talk about what it could take to get you into a home of your own.

It's easy to get caught up in browsing listings, saving photos, and imagining life in a new home.But before you start sc...
10/16/2026

It's easy to get caught up in browsing listings, saving photos, and imagining life in a new home.

But before you start scheduling showings, take some time to understand what your mortgage payment could look like.

Knowing your estimated monthly payment, potential down payment requirements, and closing costs can help you shop with a more realistic budget.

A new home can mean a lot of things: more space, a new neighborhood, a place to put down roots, or simply a fresh start....
10/13/2026

A new home can mean a lot of things: more space, a new neighborhood, a place to put down roots, or simply a fresh start. 🏡

Whatever is behind your decision to buy, understanding your financing options is an important part of preparing for what comes next.

When you’re ready to explore the possibilities, the All California Mortgage team is here to answer your questions and help you get started.

Buying a home comes with a lot of steps, but there’s nothing quite like the moment you realize the home is finally yours...
10/10/2026

Buying a home comes with a lot of steps, but there’s nothing quite like the moment you realize the home is finally yours. 🏡

Behind that SOLD sign are months of planning, decisions, paperwork, and anticipation, all leading to a place where new memories can begin.

If homeownership is one of your goals, we’re here to help you understand the financing side and what it takes to get started.

A big thank you to Alicia for sharing such kind words about Bonita Clifton and Reina Brabant with Clifton Home Loans. Th...
10/08/2026

A big thank you to Alicia for sharing such kind words about Bonita Clifton and Reina Brabant with Clifton Home Loans. Their knowledge, responsiveness, and dedication to the people they work with are just a few of the reasons we’re proud to have them on the All California Mortgage team.

Thank you for trusting us with your home financing.

Before applying for a mortgage, take some time to review your credit reports and make sure the information is accurate.L...
10/06/2026

Before applying for a mortgage, take some time to review your credit reports and make sure the information is accurate.

Look for things like accounts you don’t recognize, incorrect balances, duplicate accounts, or payments reported incorrectly. If you find something that doesn’t look right, addressing it before you apply can help prevent surprises later in the mortgage process.

Not sure how your credit may factor into your homebuying plans? Talk with your loan officer before you get started.

Ever wonder what’s actually in your monthly mortgage payment?It’s usually more than principal and interest. Depending on...
10/03/2026

Ever wonder what’s actually in your monthly mortgage payment?

It’s usually more than principal and interest. Depending on your loan and how your account is set up, your payment may also include:
🏡 Property taxes
🏡 Homeowners insurance
🏡 Mortgage insurance, if applicable

And remember, other housing expenses, such as HOA dues, may need to be factored into your monthly budget separately.

Understanding the full picture can help you plan your budget before you start shopping. Questions about your numbers? Send us a message, and we’ll walk you through it.

October has a way of making change feel a little more beautiful. 🍂Here’s to crisp mornings, changing leaves, and all the...
10/01/2026

October has a way of making change feel a little more beautiful. 🍂

Here’s to crisp mornings, changing leaves, and all the little things that make this time of year worth slowing down for.

Moving money between your own accounts might seem harmless, but during the mortgage process, it can create additional do...
09/28/2026

Moving money between your own accounts might seem harmless, but during the mortgage process, it can create additional documentation your lender may need to review.

Lenders may need to verify where funds came from, particularly when those funds will be used toward your home purchase. Multiple transfers between checking, savings, or other accounts can make that paper trail more complicated than it needs to be.

If you do need to move money, keep records of the transfer and talk with your loan officer if you’re unsure how it could affect the documentation needed for your loan.

A little organization can make it easier to account for your funds as your application moves through the process.

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1101 Fifth Avenue , Suite 220
San Rafael, CA
94901

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

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