California · Mortgage broker
Top mortgage broker in California
Guiding you to the best home loan rates and solutions across California.
Explore our mortgage solutions
Our wholesale lending partners
Why choose a mortgage broker?
As your dedicated Mortgage Broker in California, SOSLoans acts as your advocate in the complex world of home financing. We don’t offer just one type of loan — we shop over a dozen lenders across 10+ loan programs to find the rates and terms that fit your situation.
Navigating California home loans can be overwhelming. We provide personalized guidance so you understand your options at every step — saving you time, money, and stress by doing the legwork for you.
- Programs
- 10+ types
- Lenders
- A dozen+
- Coverage
- California
- Broker since
- 1999
Our comprehensive California mortgage solutions
As your trusted California Mortgage Broker, SOSLoans offers a full spectrum of home financing options. Choose any service below to learn more about how we can help you reach your homeownership and financial goals.
New home purchase loans
Whether you’re a first-time home buyer in California or looking for your next dream home, we find the rates and terms that fit your purchase.
Learn moreMortgage refinance solutions
Optimize your current home loan with a mortgage refinance in California — lower your rate, change your term, or take cash out.
Learn moreHome equity line of credit (HELOC)
Access the equity in your home with a flexible HELOC in California for renovations, debt consolidation, or other needs.
Learn moreHome equity loan (HELOAN)
Take a fixed-rate lump sum against your equity and repay it on a predictable monthly schedule, with your first mortgage left untouched.
Learn moreReverse mortgages for seniors
For homeowners 62 and over, convert home equity into cash with a reverse mortgage in California and stay in the home.
Learn moreTrust & divorce buyouts
Jumbo reverse financing structured to settle a divorce decree or buy out siblings on an inherited California estate.
Learn moreWhy choose S.O.S. Loans as your California Mortgage Broker?
Extensive lender network
Access to a wide range of lenders ensures you get the most competitive rates and terms for your California mortgage.
Personalized expert guidance
Our experienced mortgage brokers provide one-on-one support, simplifying the process from application to closing.
Streamlined & efficient process
We make securing your California home loan as smooth and quick as possible, saving you time and hassle.
Transparent & trustworthy
No hidden fees, no surprises. Just clear communication and ethical practices from a trusted California mortgage partner.
Solutions for every need
New home purchase, refinance, HELOC, or Reverse Mortgage — we have the right solution for you.
Serving California since 1999
Benefit from over two decades of dedicated service to homeowners across California.
Serving communities across California
From the Bay Area to the border — a licensed California lender active in the state’s major hubs and coastal communities.
Tap a region to see cities
location_onBay Area & Northern California expand_more
Bay Area & Silicon Valley
- San Francisco
- Oakland
- San Jose
- Santa Clara
- Mountain View
- Sunnyvale
- Fremont
- Silicon Valley
Sacramento & Delta
- Sacramento
- Stockton
location_onCentral California expand_more
Central Valley
- Fresno
- Clovis
- Bakersfield
Central Coast
- Santa Barbara
- Ventura
- Thousand Oaks
- Malibu
location_onLos Angeles & Inland Empire expand_more
Los Angeles & South Bay
- Los Angeles
- Pasadena
- Burbank
- Culver City
- Santa Monica
- El Segundo
- Manhattan Beach
- Hermosa Beach
- Redondo Beach
- Torrance
- Palos Verdes
- Long Beach
- City of Industry
Inland Empire
- Riverside
- San Bernardino
location_onOrange County & San Diego expand_more
Orange County
- Orange County
- Anaheim
- Irvine
- Huntington Beach
- Newport Beach
- Laguna Beach
- Aliso Viejo
- Dana Point
- San Clemente
San Diego County
- San Diego
- Carlsbad
- Encinitas
- Del Mar
- La Jolla
- Pacific Beach
- Ocean Beach
- Coronado
Don't see your city?
We're licensed statewide and lend everywhere in California. Tell us where you are and we'll take it from there.
FAQs about Mortgage Brokers in California
What does a mortgage broker do?
How is a mortgage broker different from a bank?
Does using a mortgage broker cost more?
Can a mortgage broker help with bad credit?
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What our clients say
“Great experience! I utilized their reverse mortgage service for my house in Palm Springs. Couldn’t have been an easier process with great customer service. Can’t recommend SOS Loans enough!”
“I have used SOS multiple times over the last 5-7 years. They are very fast, efficient, and friendly.”
“SOS loans made getting my personal loan very fast and easy! I appreciate the use of different communication modalities to get my loan with my busy schedule as well! Thank you SOS for helping me out in a bind 🙏”
“SOS Loans has the BEST customer service! They took care of all my worry. Whenever I had a need they were right there to solve it. Their process is really confidential, safe, and easy.”
“S.O.S. Loans provides excellent customer service. The application and approval process is both simple and efficient. They will work with you to align due dates. And are very responsive to all requests. A pleasure to do business with.”
“I applied for a loan and was approved the same day!! I was able to get my money within 24 hours. Great rates on loans as well. 10/10 would recommend if looking for a loan with low credit.”
Your file is handled by
H. Frank Stiebel · NMLS #2236554
Ready to Find Your Ideal California Mortgage?
Contact your expert Mortgage Broker today to discuss your loan needs.
Find your ideal California mortgage