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California · Powered by Loan Factory
Jerry Kindig is licensed in California. As an independent mortgage broker, we shop your loan across 220+ wholesale lenders, whether you are buying or refinancing in California.
Licensed in California
CALoan Factory, Inc. licenses, from our state license list.
Loan Factory, Inc. (NMLS #320841), the brokerage behind Pick My Mortgage Rate, holds these California licenses. Jerry Kindig (NMLS #2397823) is personally licensed as a mortgage loan originator in California.
Loan Factory, Inc. licenses in California, from our state license list:
Real Estate Corporation MLO License Endorsement
License#: 01771313
Licensed by California Department of Real Estate
Financing Law License
License#: 60DBO-110501
Licensed by California Department of Financial Protection and Innovation
NMLS Consumer Access is the official, free lookup for mortgage companies and loan officers.
California has about 39.4 million residents, according to the U.S. Census Bureau's estimate for July 1, 2025. As a licensed mortgage loan originator in California (NMLS #2397823) with access to 220+ wholesale lenders through Loan Factory, Jerry Kindig helps you compare loan options, whether you are buying your first home, moving up, refinancing, or investing.
The 12 largest California cities by population. Population: U.S. Census Bureau estimates for July 1, 2025.
Whether you are buying in Southern California, the Bay Area, the Central Valley, Sacramento, or a smaller community, we work with borrowers throughout California and can walk you through loan options that fit your plans and your property.
Sources: U.S. Census Bureau, Vintage 2025 city population estimates · UCLA · Naval Base San Diego · California State Capitol Museum.
A few facts worth knowing before you buy in California.
Sources: California Franchise Tax Board, 2025 tax rate schedules · California Franchise Tax Board, 2025 Form 540 instructions · California Department of Tax and Fee Administration · NOAA NCEI 1991-2020 climate normals (Los Angeles, Sacramento) · U.S. DOT time zone map · NIST, daylight saving time · MCB Camp Pendleton · Naval Base San Diego · Edwards Air Force Base.
From the redwood coast to the southern California desert, here are seven places to explore.
First protected in 1864 and known for its waterfalls, with deep valleys, meadows, and ancient giant sequoias across nearly 1,200 square miles.
Huge mountains, rugged foothills, deep canyons, vast caverns, and giant sequoias.
Where two desert ecosystems, the Mojave and the Colorado, come together in southern California.
A below-sea-level basin of extremes, with snow-frosted peaks, wildflowers after rare rains, and lush oases.
Redwood forests, open prairies, oak woodlands, rivers, and coastline, managed with California State Parks.
19 distinct ecosystems and centuries of history, from California's Indigenous cultures to the growth of San Francisco.
Five islands and their ocean environment, with plants and animals found nowhere else on Earth.
Sources: NPS Yosemite · NPS Sequoia & Kings Canyon · NPS Joshua Tree · NPS Death Valley · NPS Redwood · NPS Golden Gate · NPS Channel Islands · Visit California.
Home loans, investor loans, and equity options, all shopped for you. Eligibility varies by program. All loans are subject to approval.
Close a loan with another lender at a lower combination of interest rate, fees, and monthly mortgage insurance, and we'll send you a $2,000 check.
The Best Price Guarantee does not apply to Down Payment Assistance (DPA), Reverse, Non-QM, DSCR, Fix & Flip, Construction, Mobile, Wealth Builder HELOC, or USDA loans. See the full terms.
Yes. Jerry Kindig (NMLS #2397823) is licensed in California, and Loan Factory, Inc. (NMLS #320841) holds two California licenses: license 01771313 (Real Estate Corporation MLO License Endorsement) from the California Department of Real Estate and Financing Law License 60DBO-110501 from the California Department of Financial Protection and Innovation. You can verify both on NMLS Consumer Access.
Yes. Jerry is licensed in California and works with borrowers by phone, text, email, and online, so you can get started from wherever you are in the state.
Home loans (Conventional, FHA, VA, USDA, down payment assistance, mobile homes, and self-employed Non-QM), investor loans (DSCR, Fix and Flip, and construction), and equity and retirement options (Wealth Builder HELOC and reverse mortgages). Eligibility varies by program, and all loans are subject to approval.
Yes. Down payment assistance programs can help bridge the gap, and we pair them with the right loan. Eligibility, income limits, and terms vary by program, so ask us which programs you may qualify for.
Yes, for eligible loans. Conditions apply, including loan amounts of $200,000 or more and fixed-rate Conventional conforming, FHA, and VA loans on identical loan types. It does not apply to Down Payment Assistance (DPA), Reverse, Non-QM, DSCR, Fix and Flip, Construction, Mobile, Wealth Builder HELOC, or USDA loans.
Jerry is licensed in 19 states: Alaska, Arizona, Arkansas, California, Florida, Illinois, Indiana, Kentucky, Massachusetts, Michigan, Nevada, New Hampshire, North Carolina, Ohio, Pennsylvania, Tennessee, Texas, Utah, and Washington. Loan Factory, the brokerage behind Pick My Mortgage Rate, is licensed in 48 states and the District of Columbia.
Yes. For tax year 2025, California's personal income tax rates range from 1% to 12.3%, according to the California Franchise Tax Board. Taxable income over $1,000,000 is subject to an additional 1% Behavioral Health Services Tax.
The statewide sales and use tax rate is 7.25%. In most areas, local district taxes add 0.10% to 2.00%, according to the California Department of Tax and Fee Administration.
Los Angeles International Airport averages about 12 inches of precipitation a year, based on NOAA's 1991-2020 climate normals.
Apply with AI, shop rates online, or call or text (480) 526-4505. You can also send us a message with the form below.
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