Troy Mire | California Mortgage & Private Capital
NMLS 1795353 | DRE 01199870

The Right Loan.Structured for You.

Over 20 years navigating California's mortgage market. Purchase, refinance, and private capital solutions built around your actual situation.

20+Years
$250M+Funded
3Licenses
Quick Start
Find your loan

Full-Spectrum Solutions

Home Refinance

Rate reduction, cash-out, or term adjustment.

  • Rate & Term
  • Cash-Out to 80% LTV
  • 2/1 Buydown Programs
  • FHA/VA Streamline
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Private Capital

Bridge, hard money, and rescue lending.

  • Bridge Financing
  • Hard Money
  • Foreclosure Rescue
  • 7-14 Day Close
Discuss Deal

Application to Funding

01
Pre-Qualify

Review income, credit, and goals before paperwork.

02
Select Program

Compare options across 100+ lenders.

03
Process

Direct management through underwriting.

04
Close

Final review and funding.

Options for Every Situation

Conventional

Best rates for strong credit profiles.

Down3% to 20%
Credit620+ (740+)
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VA

Zero down for eligible veterans.

Down0%
PMINone
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Jumbo

Above conforming limits.

Down10% to 20%
Credit700+
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Non-QM

Alternative documentation.

IncomeBank Statements
Credit600+
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USDA

Zero down in eligible areas.

Down0%
AreaUSDA Eligible
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Start the Conversation

Direct Line
(562) 244-7963
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