California Mortgage Lending
Boss Mortgage works with borrowers in California on purchases, refinances, jumbo financing and investment property.
Serving clients throughout California
Boss Mortgage serves clients throughout California.
Depending on the situation, we can meet by phone, by video or in person, and applications can also be started online.
California licensing details are published on the Licensing page.
Mortgage needs we help with in California
Loan sizes vary widely by county
Conforming limits differ from county to county in California, so whether a loan is conforming or jumbo can depend on where you are buying.
Trusts and estate planning
Property held in a trust is common in California. Those files are routine for us — the trust documentation is simply reviewed alongside the loan.
Investors and entities
California investors often hold property in an LLC and compare DSCR structures with conventional investment financing.
Who we work with in California
Buyers whose loan amount may exceed conforming limits
Borrowers purchasing or refinancing property held in a trust
Investors and LLC owners
Self-employed borrowers
Second-home buyers
Homeowners refinancing
California licensing
California – licensed by the California Department of Financial Protection and Innovation under the California Finance Law.
Reproduced from the Boss Mortgage Licensing page, which is the authoritative source.Boss Mortgage LLC NMLS #2547821. See the full Licensing page for every state and license number.
Questions about buying or refinancing in California?
A licensed Boss Mortgage loan originator can look at your situation and explain what applies to you.
Programs California borrowers ask about
View All Loan Programs →
Jumbo Loans
Jumbo mortgage financing for higher-value purchases and refinances, explained by the team at Boss Mortgage.
Learn more →
Lending in a Trust
Purchasing or refinancing property held in a trust, with guidance from the Boss Mortgage trust lending team.
Learn more →
DSCR Loans
Debt Service Coverage Ratio financing for investment property purchases and refinances, explained by Boss Mortgage.
Learn more →
LLC Lending
Financing real estate held in a limited liability company, with guidance from the Boss Mortgage investment lending team.
Learn more →
Refinance / HELOC
Refinancing and home equity line of credit options from Boss Mortgage, and how to decide which one fits your goal.
Learn more →
Conventional Loans
Learn how conventional mortgage financing works, who it may suit and how to talk it through with a licensed Boss Mortgage loan originator.
Learn more →How the process works
1. Get approved
Connect with a BOSS Mortgage loan originator, review your financing options, and provide the information needed to understand your buying power before you start shopping.
Connect with a BOSS Mortgage loan originator, review your financing options, and provide the information needed to understand your buying power before you start shopping.
Shop with a clear budget in mind. When you find the right property, your loan originator can help you understand the financing details that apply to that home and your offer.
Once you are under contract, the BOSS Mortgage team helps keep the loan moving through documentation, underwriting, and closing so you can get the keys and move forward.
Frequently asked questions
Where is Boss Mortgage licensed?
Boss Mortgage, LLC. NMLS#2547821 publishes its state licensing details on the Licensing page, which is the authoritative source. Boss Mortgage does not lend in all states, and in certain states Boss Mortgage is licensed as a mortgage broker.
See the Licensing page for the current list and license numbers.
Do I need to visit an office to work with Boss Mortgage?
No. Boss Mortgage has offices in Bend and Redmond, Oregon; Denver, Colorado; and Meridian, Idaho, and serves clients throughout the states where it is licensed. Depending on the situation, you can meet by phone, by video, at an office or in person.
You can also start an application online from anywhere in a state where Boss Mortgage is licensed.
How can I verify Boss Mortgage's license?
Company and license information can be verified through NMLS Consumer Access using NMLS ID 2547821.
What types of loans do you offer?
Programs highlighted for borrowers across California include Jumbo Loans, Lending in a Trust, and DSCR Loans. Conforming limits differ from county to county in California, so whether a loan is conforming or jumbo can depend on where you are buying.
BOSS Mortgage serves clients throughout California. Explore the full Loan Programs page to compare options for the property and financing plans you have in mind.
View Loan ProgramsWhat makes a loan a jumbo loan?
A jumbo loan is financing above the standard conforming loan limits that apply in a given county. Because it sits outside those limits, guidelines are set by the individual investor.
Boss Mortgage offers jumbo options for higher-value purchases and refinances.
Is documentation different on a jumbo loan?
Jumbo files often involve a closer review of income, assets and reserves, and appraisal requirements can differ.
Starting the conversation early helps because documentation expectations vary between investors.
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Ready to get started in California?
Every situation is different. We’ll help you understand your options and what may fit your goals.
This page is general information about mortgage financing and is not a commitment to lend, an offer of credit, or financial or legal advice. Program availability, guidelines and requirements are set by lenders and investors, can change, and depend on your individual circumstances and the property. Talk with a licensed Boss Mortgage loan originator about what applies to you.
Boss Mortgage does not have an office in every state it is licensed in. This page does not indicate a physical office in California unless an office is listed above.
Boss Mortgage LLC NMLS #2547821. See the Licensing page for state licensing information. Additional disclosures appear in the footer of every page.