California's PremierMortgage Lender
California licensed mortgage broker specializing in VA loans, bank statement loans, and first-time buyer programs. Serving Orange County, Los Angeles, Riverside & San Bernardino with local market expertise.
- California DRE Licensed
- NMLS Registered
- 5.0 Star Reviews
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Get instant answers to your mortgage questions, explore loan options, and receive personalized guidance.
Calculate Your Monthly Payment
California average: $300/month
Current rate from Federal Reserve Economic Data (FRED) with competitive buffer. Individual rates may vary based on credit score, loan-to-value, and other factors.
Interactive Calculator Features
Important Rate Disclosure
The rates displayed assume a credit score of 740 or higher. Your actual rate will depend on your credit score, down payment, loan term, and other factors. Rates shown are for illustration purposes only and subject to change without notice. Contact us for a personalized rate quote based on your specific situation.
Not all borrowers will qualify for the lowest rates. Additional fees and conditions may apply.
Aditya Choksi NMLS ID: | 21st Century Lending NMLS ID: |NMLS Consumer Access
California Mortgage Lender - Comprehensive Loan Solutions
As your trusted California mortgage lender, I provide personalized loan solutions across California with specialized expertise in Orange County, Los Angeles, Riverside, and San Bernardino counties. Licensed mortgage broker with NMLS #2055084.
VA Loans
Zero down payment mortgages for our military heroes and veterans. No PMI required with competitive rates.
Explore VA Loan Benefits
Bank Statement Loans
Perfect for self-employed borrowers. Qualify using bank statements instead of traditional tax returns.
Bank Statement Loan Details
First-Time Buyer Programs
Down payment assistance and special programs to help California first-time buyers achieve homeownership.
First-Time Buyer Guide
FHA Loans
Low down payment options with flexible credit requirements. Perfect for many California homebuyers.
View FHA Loan Options
Conventional Loans
Traditional mortgages with competitive rates and flexible terms. Great for borrowers with good credit.
See Conventional Loan Rates
Jumbo Loans
Financing for luxury California properties exceeding conforming loan limits. Competitive rates for high-value homes.
Explore Jumbo Loan OptionsCalifornia First-Time Buyer Checklist
Get your complete step-by-step guide to buying your first home in California. Includes all documents needed, CalHFA programs, and expert tips.
- 45-point comprehensive checklist
- 2025 program requirements & limits
- County-specific assistance programs
Serving All of Southern California
NMLS licensed across California with deep local market knowledge. Find out why we're the trusted mortgage lender near you in these key markets.
Los Angeles County
Orange County
Riverside County
San Bernardino County
Local Market Expertise Matters
Every California county has unique programs, loan limits, and market conditions. Our local expertise ensures you get the best program for your specific area.
Explore All Service AreasWhy Choose California Mortgage Lender Aditya Choksi
As a licensed California mortgage lender with deep Southern California market expertise, I provide personalized service and local knowledge of Orange County, Los Angeles, Riverside, and San Bernardino counties. NMLS licensed mortgage broker committed to making your homeownership dreams a reality.
California Market Expertise
Deep knowledge of California real estate markets, state lending programs, and regulations with specialized expertise in Orange County, LA, Riverside, and San Bernardino counties.
Quick Response Times
Fast pre-approvals and quick closings. I understand that timing matters in California's competitive housing markets, especially in Southern California counties.
California Licensed Lender
NMLS #2055084 licensed California mortgage lender with all required state and federal certifications. California DRE licensed mortgage broker serving all counties.
Proven Results
Hundreds of successful closings across California with consistently satisfied customers.
Ready to Work with California's Top Mortgage Lender?
Get pre-approved today with California's trusted mortgage lender and join hundreds of satisfied homeowners across Orange County, Los Angeles, Riverside, and San Bernardino counties. NMLS licensed California mortgage broker with local expertise.