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    Welcome to Cal Mutual

    Browse around our site and you will find everything you need, including helpful information, calculators and more.
    Also, don't forget to use the form within the banner to see how much lower our rates are than the big banks.
  • Apply Now

      Full Application

      We suggest filling out this application only if your loan consultant has instructed you to do so. This application requires you to setup a user name and password for yourself.

      Download Application

      You can download the application material now and mail or fax it to us. This is a full application that can be printed as opposed to the online application that can be filled out on a browser.
  • Purchase
      Purchasing a home is a very exciting time, and being well prepared will help you make better decisions. Take this opportunity to learn more about home buying and the mortgage process.

  • Refinance
      Why pay more than you have to? Don't miss out on super low rates.
      Changing the terms of your loan can benefit you and maximize your monthly income

  • Reverse Mortgage
  • Tools & Info
    Use the form within the banner on the home page to see how much lower our rates are than the big banks. Then fill out our application to see if you qualify and obtain a pre-approval letter. If you have any questions, just click Contact Us or call us at 888-700-4650.
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  • About Us

    Company Overview

    Cal Mutual helps people get better rates than the big banks and offers better customer service during the process.

    Contact Us

    Branch Offices

Get a Rate Quote In Seconds
Including Closing Costs
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Lock Period: 15 30 45 60
About Us

Company Overview

Cal Mutual is one of the fastest growing independent, mortgage brokerages in California. Cal Mutual has been servicing the mortgage needs of its clients since 2003. Cal Mutual was founded on two simple core values; communication and speed. We understand that the mortgage process can be tedious and confusing so we focus on getting the job done fast and keeping you informed every step along the way.


Our Core Values

We are guided and driven by our core values;

  1. We are accountable for results and we deliver
  2. We act with integrity and show respect
  3. We are passionate about our business
  4. We are accessible 24/7
  5. We instantly adapt to industry changes


Our Promise

We serve as a trusted resource for a wide array of residential mortgage loans. We offer competitive rates and we know how to close loans FAST! That means we have more flexibility to approve loans that make sense for you, and we can be sure you close on time.

We also service our clients needs, the good old fashioned way. When you have a question regarding your loan balance, a payment, your taxes or whether it makes sense to refinance. You can call us directly and we will be happy to answer all your questions.

We are committed to providing great service for our customers. That’s why we have the fastest turn around times in the business and are always accessible to every client for all your needs.
To find out how we can help you with your mortgage needs, apply online or contact us.


"I wanted to let you know how impressed I was with the job everyone did at your company. I have refinanced several times in the past and usually pick the company that has the lowest rates. Of course I did the same when I chose your company. However, this time I received great service to go with the low rate."
Mary & Steve R.
"I just wanted to thank you for constantly following up with me. The last time I refinanced it seemed as if I always had to follow up with the mortgage company. Thanks for staying on top of everything and keeping things moving forward."
Don J.
"Your company was so much more professional then the last mortgage company I used. Every question I asked was answered honestly and accurately. I would recommend you to anyone."
John S.