Finance YourDream Home
Whether you're buying your first home, upgrading to your forever home, or purchasing a vacation property, we have the right financing solution for your California home purchase.
California Home Purchase Financing
Purchasing a home in California is one of the biggest financial decisions you'll make. Whether you're buying in Los Angeles, San Francisco, San Diego, or anywhere in between, the right financing makes all the difference.
At Legend Realty, we understand California's unique real estate market. Higher home prices, competitive bidding situations, and specific property requirements all factor into your financing needs. We work with over 30 lenders to find you the best rates and terms.
From conventional and FHA loans to jumbo financing for high-value properties, we match you with the right loan program for your situation. Our goal is simple: help you buy your California home with confidence.
Competitive Rates
We shop multiple lenders to find you the most competitive rates available in California's market.
Expert Guidance
Our experienced team guides you through every step, from pre-approval to closing day.
Fast Processing
Streamlined process with clear communication and on-time closings you can count on.
Personal Service
Work directly with your dedicated loan officer who knows your file inside and out.
Purchase Loan Options
We offer multiple loan programs to match your financial situation and home buying goals.
Conventional Loans
Traditional mortgages with competitive rates and flexible terms. Ideal for buyers with good credit and stable income.
- Competitive interest rates
- 15, 20, or 30-year terms
- PMI removable at 20% equity
- Primary, second home, or investment
FHA Loans
Government-backed loans with lower credit requirements and smaller down payments for qualifying buyers.
- Lower credit score requirements
- Seller can pay closing costs
- Assumable to future buyers
- Fixed-rate options available
VA Loans
Exclusive benefits for veterans, active military, and eligible spouses with no down payment required.
- No down payment required
- No private mortgage insurance
- Competitive interest rates
- Limited closing costs
Jumbo Loans
Financing for high-value California properties exceeding conforming loan limits.
- Loan amounts over $766,550
- Competitive jumbo rates
- Fixed and adjustable options
- Luxury property financing
Financing for All Property Types
No matter what type of property you're purchasing in California, we have financing solutions that work. From starter condos to luxury estates, we've got you covered.
Your Path to Homeownership
We make the home buying process clear and straightforward from start to finish.
Get Pre-Approved
Know your budget before you start shopping. Pre-approval strengthens your offers and speeds up closing.
Find Your Home
Work with your real estate agent to find and make an offer on the right property for your needs.
Lock Your Rate
Once your offer is accepted, we lock in your interest rate to protect against market fluctuations.
Processing & Underwriting
We handle the paperwork, order the appraisal, and work through underwriting while keeping you informed.
Close & Get Keys
Sign your final documents, the loan funds, and you receive the keys to your new California home.
Home Purchase FAQs
Ready to Buy Your California Home?
Get pre-approved today and start your journey to homeownership. We're here to help you every step of the way.