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
Learn More
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 Across Every Situation

Every loan program has a place. The goal is matching your file to the right one, not fitting your file into one program.

Conventional

Fannie Mae and Freddie Mac backed loans for qualified borrowers. Best rates for strong credit profiles.

Min Down3% to 20%
Credit620+ (740 for best pricing)
Max Loan$806,500 (SoCal conforming)
VA

Zero down for eligible veterans and active military. No PMI and competitive rates backed by the VA.

Min Down0%
PMINone
EligibilityVeterans, Active, Surviving Spouse
Jumbo

Above conforming loan limits. Portfolio product requiring strong reserves, income, and credit history.

Min Down10% to 20%
Credit700+
Loan Size$806,501 and above
Non-QM

Bank statement, asset depletion, DSCR, and foreign national programs for borrowers outside standard qualification.

Income DocBank Statements, P&L, DSCR
CreditFlexible (600+)
Use CaseSelf-employed, Investor
USDA

Zero down for eligible rural and suburban properties. Income limits apply. Strong option in qualifying SoCal areas.

Min Down0%
IncomeLimits apply by county
LocationUSDA-eligible areas only

Start the Conversation

Direct Line
(562) 244-7963
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Mortgage Calculators

Estimated Monthly Payment
$3,992
Principal & interest + taxes + insurance
Loan Amount $520,000
Principal & Interest $3,547
Property Tax $542
Insurance $150
Total Interest (30yr) $757,000
Principal vs Interest split
Principal 40% Interest 60%
Year 1 Payment
$3,068
Reduced rate for first year
Year 1 Rate 5.25%
Year 2 Rate 6.25%
Year 3+ Rate 7.25%
Year 2 Payment $3,458
Year 3+ Payment $3,413
Total Buydown Cost $8,280
Monthly Savings
$293
Per month after refinance
Current Payment $3,434
New Payment $3,141
Break-Even 33 months
5-Year Savings $7,980