Buy Your California Home with Confidence — Work Directly with the CEO
Home Purchase Loans in California — Direct from a National Mortgage CEO
Buying a home in California can be overwhelming — high prices, fast markets, and complicated guidelines. At California Mortgage Direct, we simplify the process by giving you direct access to Joseph S. Restivo, the President & CEO of American Mortgage Network.
Whether you’re buying your first home, upgrading to a larger property, or relocating to California, we make your purchase smooth, transparent, and fast.
🔍 What Is a Home Purchase Loan?
A home purchase loan is financing you use to buy a primary residence, second home, or investment property. We offer custom-tailored loan options to match your goals, income, credit, and location — with a personal touch from the CEO himself.
✅ Home Purchase Loan Programs We Offer
| Loan Type | Ideal For | Key Benefits |
|---|---|---|
| Conventional Loans | Buyers with good credit and 3–20%+ down | Competitive rates, flexible terms, cancel PMI |
| FHA Loans | First-time or credit-challenged buyers | Only 3.5% down, flexible credit rules |
| VA Loans | Eligible veterans, active duty | 0% down, no PMI, low rates |
| Jumbo Loans | Homes above $766,550 (most counties) | Finance high-cost California homes |
| USDA Loans | Rural or suburban buyers | 0% down, low-income options |
| Non-QM Loans | Self-employed, investors, unique income | Bank statements, asset-based, DSCR options |
| Reverse Purchase (H4P) | Seniors 62+ buying a new primary home | No mortgage payments required if eligible |
We’ll help you compare and choose the best loan for your budget and lifestyle.
📍 We Serve Every Buyer — Statewide
Whether you’re shopping in Los Angeles, Orange County, San Diego, Sacramento, Riverside, or rural Northern California, our team is licensed statewide and equipped to close on-time, every time.
✅ Primary Residences
✅ Second Homes
✅ Investment Properties
✅ Condo & Townhome Financing
✅ Manufactured Homes (FHA/VA Eligible)
💼 Why Work With Us?
At most lenders, you’re passed from rep to rep.
At California Mortgage Direct, you work directly with the CEO — a 25-year industry leader who personally structures and guides your loan from start to finish.
| What You Get | Why It Matters |
|---|---|
| 👨✈️ CEO-Level Attention | Joseph S. Restivo originates your loan — not a junior officer |
| ⚡ Fast Pre-Approvals | Get pre-approved same-day so you can shop with confidence |
| 🏛️ Backed by a National Lender | Powered by American Mortgage Network |
| 🔍 Transparent Process | Real numbers, honest timelines, no fluff |
| 📱 Fully Digital, Fully Personal | Close remotely while still getting white-glove service |
🧾 What You’ll Need to Get Started
- Recent pay stubs or proof of income
- Two years of tax returns (or bank statements for self-employed)
- Credit report authorization
- Asset/Bank account statements
- ID and social security number
Need help gathering docs? We’ll walk you through it step-by-step.
💬 What Buyers Are Saying
“Joseph made our purchase stress-free. I couldn’t believe we were working directly with the CEO — and he was more available than any loan officer I’ve ever used.”
— David L., Orange County
“We got pre-approved in under 24 hours and closed early. Joseph helped us beat out multiple offers by working directly with our Realtor.”
— Samantha M., San Diego
🧠 Home Purchase FAQs
Q: Can I buy with less than 20% down?
A: Yes. FHA, VA, and even some conventional loans allow for 0–5% down depending on your profile.
Q: Can I use gift funds for the down payment?
A: Absolutely. We’ll help document and structure everything to meet guidelines.
Q: How long does it take to close?
A: We regularly close in 21 days or less, depending on your file readiness and the seller’s timeline.
🗺️ Serving All California Cities & Counties
✅ Los Angeles
✅ San Diego
✅ San Jose
✅ Sacramento
✅ Fresno
✅ Riverside
✅ Orange County
✅ Bakersfield
✅ Central Valley & Inland Empire
✅ North & South Bay Areas
🚀 Ready to Buy a Home?
✅ Start My Home Loan
✅ Schedule a Call with Joseph
✅ Fast Pre-Approval | Personalized Strategy | Work with the CEO