California Home Loans Made Simple From Pre-Approval to Keys
Why California Homebuyers Choose Doos Mortgage
Most home buyers feel overwhelmed by shifting rates and endless fine print. We simplify the process by shopping 50+ lenders to find the perfect fit for your unique financial profile.
Today's Mortgage Rates
Last updated: February 12, 2026 at 7:17 AM
| Loan Term | Interest Rate | APR | |
|---|---|---|---|
|
30-Yr Fixed Purchase
|
5.500% | 5.523% | Get Quote |
|
30-Yr Fixed Refinance
|
5.750% | 5.766% | Get Quote |
|
30-Yr Fixed FHA Purchase
|
5.250% | 5.807% | Get Quote |
|
30-Yr Fixed VA Purchase
|
5.375% | 5.498% | Get Quote |
|
15-Yr Fixed Purchase
|
5.000% | 5.038% | Get Quote |
|
15-Yr Fixed Refinance
|
5.250% | 5.296% | Get Quote |
|
10/6 ARM Purchase
|
6.125% | 6.145% | Get Quote |
|
7/6 ARM Purchase
|
6.000% | 6.000% | Get Quote |
Rate Assumptions
Loan amount $400,000 · Home value $670,000 · Credit score 759+ · Single · Owner-Occupied · ZIP 95122
Rates are subject to change without notice. Actual rates may vary based on credit score, loan amount, and other factors. Contact us for a personalized quote.
From Application to Keys in 3 Simple Steps
Apply Online in 2 Minutes
Fill out our quick form — no SSN needed. We'll review your info and call you within 1 business day.
Custom Strategy
We compare 50+ lenders and present you with the best options. You pick the one that fits your budget.
Fast Closing
We handle the paperwork, coordinate with escrow, and walk you through closing. Welcome home!
Our California Mortgage Programs
First-Time Homebuyer Loans (As Low as 3% Down)
Stepping into the world of homeownership can feel like a marathon, but you don’t have to run it alone. We specialize in guiding first-time buyers through every twist and turn of the process, from initial pre-approval to the moment you get your keys. Think you need a massive 20% down payment? Think again. With options as low as 3% down and access to various grant programs, we help turn the “someday” of owning a home into a reality today. Let’s build your path to homeownership with a strategy that fits your budget and your future.
Refinance & Lower Your Payment
Your mortgage shouldn’t be “set it and forget it”—it should work for your current lifestyle. Whether you’re looking to lower your monthly payment, shorten your loan term to save on interest, or switch from an adjustable to a fixed rate, refinancing can be a powerful financial tool. Many homeowners also choose to pull out equity to fund major life goals like home renovations, debt consolidation, or education costs. We’ll run the numbers with you to ensure a refinance makes sense for your bottom line.
FHA & VA Loans — Low or Zero Down Payment
We believe everyone deserves a place to call home, regardless of a perfect credit score or a huge savings account. FHA loans are a fantastic option for those with modest credit or a lower down payment (starting at just 3.5%). For our military community, VA loans offer a well-deserved benefit with $0 down payment and no monthly mortgage insurance. These specialized government-backed programs are designed to be flexible and accessible, and we take pride in helping our veterans and first-time buyers navigate the specific requirements of these life-changing loans.
Cash-Out Refinance — Put Your Equity to Work
HELOC — A Flexible Credit Line Backed by Your Home
Meet Philip Doos — Your California Mortgage Expert
Most people see a mortgage as debt. I see it as the most powerful wealth-building tool available to everyday Americans.
I’m Philip Doos, a licensed California mortgage loan originator (NMLS #2379827), and I specialize in turning complex financial decisions into clear, confident next steps. Whether you’re buying your first home, refinancing, or tapping into your equity — I’m here to make the numbers work for you.
What Our Clients Are Saying
Frequently Asked Questions
Most conventional loans require a 620+ score, while FHA loans accept scores as low as 580. We’ll review your full profile to find the best option — credit score is just one factor.
As little as 3% for conventional loans, 3.5% for FHA, and $0 for VA loans. We also help you find California down payment assistance programs.
Most of our clients go from application to closing in 21–30 days. We keep you updated at every step so there are never surprises.
Absolutely. We work with self-employed borrowers every day. You’ll typically need 2 years of tax returns, but we have flexible options.
FHA loans have lower credit requirements and smaller down payments, but charge mortgage insurance. Conventional loans offer better rates if your credit is strong. We’ll compare both for you.
Philip Doos | Mortgage Loan Officer
Tel: 925-922-7741
Email: Philip@doosmortgage.com
Web: DoosMortgage.com
NMLS #2379827
CO-NMLS: #320841