slider photo hills

Apply Now!

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

slider photo rock

The Mortgage Experts

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

slider photo surfer

21-Day Processing

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

slider photo rock and boats

Step One: Get Pre-Approved

Preapproved buyers are taken more seriously, enjoy a less stressful transaction, and close faster with no last-minute surprises!

From the blog

  • Capture

FHFA Announces New Maximum Conforming Loan Limits for 2018

November 29th, 2017|0 Comments

The Federal Housing Finance Agency (FHFA) announced the maximum conforming loan limits for mortgages to be acquired by Fannie Mae […]

  • new-year-resolutions

California Legal Update: New Assessment Fees for California Real Estate Recordings

November 14th, 2017|0 Comments


As of January 1, 2018, a required $75 assessment fee will be paid at the time of recording in addition […]

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