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Apply Now!

Track your loan status online and make on-the-go modifications. Easy, fast, and secure!

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21-Day Processing

Bringing Buyers Home Faster. Make a stronger purchase offer, save money and reduce stress!

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The Mortgage Experts

Our Market Update Blog offers daily updates on Central Coast real estate, economic activity, lifestyle, and more.

From the blog

  • piw-fee

PIW Fee to be Waived Starting January 1, 2017

December 6th, 2016|0 Comments

Fannie Mae will no longer charge a fee to exercise a Property Inspection Waiver (PIW) due to customer feedback. This […]

  • Business Graph

Loan Limits to Increase for 2017

December 3rd, 2016|0 Comments

Both Fannie Mae and Freddie Mac announced that effective January 1, 2017 the maximum loan limits are to increase for […]

From our Clients

“Good explanation of process and forms. Always kept up-to-date during the loan processing.”
Anthony and Kathleen Toscano, Morro Bay
“Communication through telephone and emails was excellent with updates on the loan…”
R. David and Helen Cantu, Atascadero
“The speed and ease of communication… always flexible to accommodate our schedule.”
Berkeley and Meghan Lindt, San Luis Obispo
“Our transaction was complex due to various family entities. It was difficult but successful. Great job!”
Donald and Elisa Cameron, Cambria
“This was a painless process and you succeeded where conventional banks failed me.”
Susan Manbeian, Cambria


Apply Today!

Submit your loan application today! Your online account will allow you to track your loan status and make modifications on-the-go. The process is easy, fast, and secure. Click Here.


We will close your home loan on time, on budget, with no surprises. Find out why we call ourselves “The Mortgage Experts.” About CCL
As a banker and a broker, we have uniquely positioned ourselves to custom fit a loan for every client. We succeed where others do not. Apply Today
As  a mortgage banker, we keep your loan right here in California. Our offices are conveniently located to serve the Central Coast. Office Locations