California Real Estate & Financing Services

At Christy’s California Capital and Realty, we provide licensed real estate brokerage and financing services for individuals, investors, and businesses throughout California. Our services include residential and commercial real estate transactions, business-purpose lending, and access to a broad range of mortgage and investment loan programs.

We work with an established network of institutional lenders, private lenders, and financing partners to help clients explore options that align with their goals, qualifications, and property type. All services are provided in compliance with California Department of Real Estate (DRE) and applicable state and federal lending laws.

We handle a wide range of residential and commercial real estate services, including:

• Buying, selling, and leasing residential and commercial properties
• Rental and leasing support for landlords and tenants
• Local, national, and international relocation assistance
• Short-term and long-term office space solutions
• Homebuyer education and purchase preparation consultations

We provide access to a wide range of non-owner-occupied and business-purpose financing, including:

• Second mortgages and subordinate lien programs (subject to eligibility)
• Hard money loans, private money loans, and bridge financing
• Construction loans, fix-and-flip, rehab, and ground-up development loans
• Multi-unit, mixed-use, and cross-collateralized loan options
• DSCR loans for rental property investors using cash-flow-based underwriting
   

• HELOCs and second mortgages
• Financing for land, lots, manufactured housing, and retirement properties
• Programs for first-time buyers, foreign nationals, and self-employed borrowers
• Bank statement, 1099, and profit-and-loss–based loan programs
• Credit-challenged borrower solutions 
• Jumbo and super jumbo loans, with financing available up to $30+ million
   

• VA, FHA, USDA Section 502, and Section 184 Native American Home Loan Programs
• FHA 203(k) renovation loans and FHA 203(h) disaster recovery loans
• CalHFA programs, including CalPLUS (when available)
• HUD’s Good Neighbor Next Door Program for eligible public service professionals

We also assist clients in identifying down payment assistance and grant programs, including options with deferred or forgivable repayment terms, when available.

Looking to add an Accessory Dwelling Unit (ADU)?
We provide guidance on available ADU grants, financing options, and construction considerations to help increase property value and rental income potential.

• Christy’s California Capital and Realty is a California-licensed real estate brokerage.
• Mortgage and loan services are offered only where permitted by law and are not a commitment to lend.
• All loans are subject to underwriting, lender approval, program guidelines, and borrower qualification.
• Hard money, private money, and business-purpose loans are not consumer loans and may involve higher rates and fees.
• Program availability, rates, and terms are subject to change without notice.
• This website is for informational purposes only and does not constitute legal, tax, or financial advice.