New home purchase · California · Mortgage broker
Get pre-approved before you shop
Know exactly what you can afford and shop with the confidence of a strong offer.
Start my pre-approval
Our wholesale lending partners
Understanding new home purchase loans
A new home purchase loan is the mortgage that finances the home you’re buying — whether you’re a first-time homebuyer in California or moving up. As your California mortgage broker, S.O.S. Loans compares lenders to find competitive rates and guides you from pre-approval to closing.
- check_circleBuy with as little as 0% down on eligible programs
- check_circleFHA, VA, conventional, and jumbo loans in one place
- check_circleFast pre-approval so your offer stands out
Types of New Home Purchase Loans we offer
We offer a comprehensive range of mortgage options to suit diverse needs for homebuyers in California:
Conventional loans
Flexible and popular loans, often requiring good credit and a down payment of 3% or more.
FHA loans
Government-insured loans with lower down payment requirements and more lenient credit standards. Ideal for first-time homebuyers.
VA loans
Exclusive benefits for eligible veterans and service members, often with no down payment required.
Jumbo loans
For properties exceeding conventional loan limits, common in high-cost areas of California.
Adjustable-rate mortgages (ARMs)
Loans with an initial fixed interest rate, which then adjusts periodically based on market rates.
Fixed-rate mortgages
Your interest rate remains the same for the life of the loan, providing predictable monthly payments.
Your California mortgage broker for a new home purchase
- check_circleFHA, VA, conventional & jumbo loans in one place
- check_circleCompetitive mortgage rates from a broad lender network
- check_circleFast pre-approval to strengthen your offer
- check_circleA great fit for first-time homebuyers
- check_circleLocal California market expertise since 1999
- check_circlePersonalized guidance from pre-approval to closing
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.”
Top FAQs for New Home Purchase Loans in California
What is the first step to getting a new home purchase loan?
How much down payment do I need in California?
What is a Jumbo Loan?
Can I get a home loan with less-than-perfect credit?
What are closing costs when buying a home in California?
Your purchase is handled by
H. Frank Stiebel · NMLS #2236554
Ready to buy your first home?
Get pre-approved before you shop — FHA, VA, conventional, and jumbo options from a California direct lender.
Checking your options is free and won’t affect your credit score.