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Click On Each Property Above to See complete Details
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We are experienced in residential and commercial lending.
We specialize in FHA, VA, USDA and First Time Home 
Buyer (FTHB) programs. With all the various lenders,
rates and loan programs out there, you could easily get lost trying to figure out the best option for you and your family. Let our exper-ienced professionals do the work so you don't have to! We are CMPScertified.® Whatever your financing needs, we have the loan that's right for you.
NEW! First Time Home Buyer (FTHB) Videos:
#1 - 20 Questions Before Buying Your First Home
#2 - Top 25 Questions For First Time Home Buyers
100% Financing Loans
-VA Loans
-CalHFA Loans
-USDA Loans
We Have Money To Lend!
- NO money Down
- NO PMI
- Government Loans
- Purchase & Refi loans
- First Time Homebuyers
- Conventional & Jumbo
- FHA, VA & Loans
- USDA Rural Loans
- 2nd Home / Investment property
- Home Equity Line of Credit (HELOC)
- Construction Loans
- Commercial Property Loans
- SBA 504 & SBA 7a Loans
- FHA & VA Streamline loans!
- NEW Refi Plus program is available Now!
- Credit help www.expertcreditrepairnow.com
Ways We Can Help YOU
- Lower Your Interest Rate!
- Cash Out to 85% of the Appraised Value
- Home Renovation Loans
- Consolidate Your Debts
- Convert your ARM to a Fixed Loan Now
- Convert Your Option Arm/Interest Only
Loan To A Fixed Loan
- Eliminate PMI (Private Mortgage Insurance)
- Investment Properties
- Bruised Credit? OK -Expert Credit Repair
- Government Programs
FHA / VA STREAMLINE REFINANCE
You must currently have an FHA or VA loan to
do a streamline refinance. It's a simple loan that
is very quick and easy to qualify for. Please see
the qualifications/ benefits below. If you currently
have an FHA loan and are upside down on your mortgage-we can help you!
* NO Employment Verification needed
* NO income or asset verification needed
* NO Appraisal Required - LTV is not an issue!
* Quick loan process, usually less than 2 weeks
* VA loans may also eligible for a streamline refi
Our Active Professional Affiliations;
 
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We are PROUD to support  the Intrepid Fallen
Heroes Fund! The Intrepid Fallen Heroes Fund, a national leader in supporting the men and women of the United States Armed Forces and their families, is currently launching an important new effort to serve our military community. The Fund will design and build the National Intrepid Center of Excellence (NICoE), an advanced facility dedi-cated to research, diagnosis and treatment of military per-sonnel and veterans suffering from trau-matic brain injury (TBI) and psy-chological health issues.
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Cobalt Financial Corporation is licensed by the California
Department of Real Estate, Broker #01821025
"Loan approval is NOT guaranteed and is subject to lender review of information. Loan is only approved when lender has issued approval in writing. Specified rates may not be available for all borrowers based on their individual qualifications. Rates subject to change with market conditions at anytime."
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OUR CLIENT TESTIMONIALS:
As for their services, I thought Gerard was very ethical and made himself exceedingly available to me for any questions, which was very helpful. I would definitely refer Gerard to others!
L. Friedman - San Diego, Ca.
Our experience with CaLoanPros was great! The loan was approved and processed a lot faster than we expected. Gerard was careful to explain the procedures and answer all the questions we had about refinancing our home. It was very convenient and I already recommend him to a few co-workers.
K. Miller – San Diego, Ca.
We found that CaLoanPros were very friendly and gave us prompt efficient service. Everything was upfront with no surprises. Gerard was a pleasure to deal with; we will gladly recommend this mortgage company to anyone seeking a mortgage.
D. Buchholz - Hayward, Ca.
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