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Hamied Arvand, MBA
Hamied Arvand, MBACEO
NMLS License: 1633634
BRE License: 01716884

Who We Are

A

Home Loans of California is all about achieving excellent results through professional and personalized service. With decades of experience and strategic relationships with largest wholesale mortgage companies, we serve all residential financing in California.

We facilitate financing for purchase, construction and refinance through FHA, Conventional, VA and USDA loans. We also provide private money lending for appropriate projects.

We work with the largest mortgage wholesaler in the nation, so we have access to the lowest interest rates-Guaranteed! Our home loan process can take as little as 17 days.

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Who We Are

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Loan Programs

The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan’s lifetime.

Adjustable-rate mortgages include interest payments which shift during the loan’s term, depending on current market conditions. Typically, these loans carry a fixed-interest rate for a set period of time before adjusting.

Hybrid ARM mortgages combine features of both fixed-rate and adjustable rate mortgages and are also known as fixed-period ARMs.

HARP 2.0 is a refinance option for homeowners that are “underwater,” meaning they owe more on their home than their home is worth.

FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.

VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low interest rates and no down payment requirement. This program was designed to help military veterans realize the American dream of home ownership.

Interest only mortgages are home loans in which borrowers make monthly payments solely toward the interest accruing on the loan, rather than the principle, for a specified period of time.

Prior to choosing a home loan, you should know the advantages and risks of adjustable-rate mortgages to make an informed, prudent decision.

This article includes a list of the most commonly used indexes by ARM lenders that affect ARM mortgage rates.

Balloon mortgages include a note rate that remains fixed initially, and the principal balance becomes due at the end of the mortgage term.

Reverse Mortgages allow senior homeowners to convert a portion of their home equity into cash while still living in the home.

Graduated Payment Mortgages are loans in which mortgage payments increase annually for a predetermined period of time (e.g. five or ten years) and becomes fixed for the remaining duration of the loan.

Should you get a fixed-rate or adjustable rate mortgage? A conventional loan or a government loan? Deciding which mortgage product is best for you will depend largely on Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.

VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low interest rates and no down payment requirement. This program was designed to help military veterans realize the American dream of home ownership.

Loan Type:
  • - Select Loan Type -
  • Purchase Loan
  • Refinance Loan
  • Home Equity
Loan Amount:
  • - Select Loan Amount -
  • $50k
  • $75k
  • $100k
  • $125k
  • $150k
  • $175k
  • $200k
  • $225k
  • $250k
  • $275k
  • $300k
  • $325k
  • $350k
  • $375k
  • $400k
  • $425k
  • $450k
  • $475k
  • $500k
  • $525k
  • $550k
  • $575k
  • $600k
  • $625k
  • $650k
  • $675k
  • $700k
  • $725k
  • $750k
  • $775k
  • $800k
  • $825k
  • $850k
  • $875k
  • $900k
  • $925k
  • $950k
  • $975k
  • $1M
  • $1.25M
  • $1.75M
  • $2M
  • $2.25M
  • $2.50M
  • $2.75M
  • $3M
  • $3.25M
  • $3.50M
  • $3.75M
  • $4M
  • $4.25M
  • $4.50M
  • $5M
  • $5.25M
  • $5.50M
  • $5.75M
  • $6M
  • $6.25M
  • $6.50M
  • $6.75M
  • $7M
  • $7.25M
  • $7.50M
  • $7.75M
  • $8M
  • $8.25M
  • $8.50M
  • $8.75M
  • $9M
  • $9.25M
  • $9.50M
  • $9.75M
  • $10M
Property Value:
  • - Select Property Value -
  • $50k
  • $75k
  • $100k
  • $125k
  • $150k
  • $175k
  • $200k
  • $225k
  • $250k
  • $275k
  • $300k
  • $325k
  • $350k
  • $375k
  • $400k
  • $425k
  • $450k
  • $475k
  • $500k
  • $525k
  • $550k
  • $575k
  • $600k
  • $625k
  • $650k
  • $675k
  • $700k
  • $725k
  • $750k
  • $775k
  • $800k
  • $825k
  • $850k
  • $875k
  • $900k
  • $925k
  • $950k
  • $975k
  • $1M
  • $1.25M
  • $1.75M
  • $2M
  • $2.25M
  • $2.50M
  • $2.75M
  • $3M
  • $3.25M
  • $3.50M
  • $3.75M
  • $4M
  • $4.25M
  • $4.50M
  • $5M
  • $5.25M
  • $5.50M
  • $5.75M
  • $6M
  • $6.25M
  • $6.50M
  • $6.75M
  • $7M
  • $7.25M
  • $7.50M
  • $7.75M
  • $8M
  • $8.25M
  • $8.50M
  • $8.75M
  • $9M
  • $9.25M
  • $9.50M
  • $9.75M
  • $10M
Credit History:
  • - Select Credit History -
  • Excellent
  • Good
  • Fair
  • Poor
First Name:
Last Name:
Email:
Phone:

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Articles

September 2019

All Articles

Loan Process

Call or e-mail Us

949-337-2302 or arvandbiz@gmail.com

Testimonials

We have been getting Hamied’s advertising flyers for a few years until the time came to refinance our Gas station property. We approached a few local Banks and one independent broker and we didn’t get any traction form them. So we called Hamied.

Hamied does everything with his client’s goals and security in mind. All along the process, we felt that he was on our side and fighting for us.

Our impossible loan, that no one including myself thought would happen, was finalized in less than two months with the best interest rate possible. I didn’t get nickel and dimmed, no extra cost and charges; and a got a friend for life.
I am going to use his services for all of my business needs and I recommend him to everyone. You will get the most honest, hardworking guy working for you.
Ask Hamied for my phone number if you need to get more information.
Amir Mousevi, Entrepreneur

Thank you Hamied for all you help. My partner and I both greatly appreciate your efforts and a job well done.

Michael Ravan, Business owner

Thank you for your hard work! I don’t know how to thank you. There are no words. I am very lucky to have a good friend like you. I will pray to God to give you good health. Once again, thank you!

Mike Singh-Real Estate Developer, Entrepreneur

We tried for several months to secure a loan with banks (some of which we had done business with for 28 years) with no success. In April, we were fortunate to be referred to commercial capital source. I say fortunate as the entire process from our initial meeting with Mr. Arvand to the many phone calls, text messages, meetings and emails were all positive and promising. Mr. Arvand was a pleasure to work withand his enthusiasm and confidence are contagious. He was able to get us a secured commercial loan with exactly the terms we wanted. He was very responsive and helpful every step of the way and did everything that he promised and more. Commercial capital source is a first class operation and Mr. Arvand allowed us to focus on running our business rather than trying to secure a loan on our own. Highly recommended.

Ali, Sareh – Franchisee, Las Vegas
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