Unlocking Possibilities. Inspiring Hope.

Real Homebuyers. Real Results.

At California Lending Group, we’ve helped hundreds of buyers—from first-timers to investors—get approved for the right home loan, even when the odds were stacked against them. Our case studies showcase how real families overcame challenges with the support of our expert mortgage loan brokers in California.

We believe every home loan challenge has a solution.

Featured Case Study: Creative Financing for Complex Investment Goals

When a real estate investor in Encinitas needed to reinvest proceeds from a commercial property sale but faced timing and inventory challenges, California Lending Group stepped in with a custom bridge loan solution. By structuring the loan to accommodate 1031 exchange timelines and using the borrower’s retirement funds as reserves, CLG ensured a smooth transition that protected both investment gains and long-term strategy.

👉 Download the Full Case Study by filling out the form below to see how strategic lending can unlock long-term real estate success.

Additional Case Studies

$17,718 in Tax Savings Through Smart Loan Structuring

A Laguna Beach couple with a $1.5M mortgage on their primary residence was only able to deduct interest on half of it due to IRS limitations. California Lending Group restructured the loan by splitting it across their primary residence and investment condo, enabling the full $1.5M interest to become deductible. This strategic move resulted in over $17,000 in annual tax savings.

Strategic Refinance & Equity Access

A San Diego tech professional refinanced a $1.1M loan to access $175K in equity at a lower rate, allowing them to build a rental ADU without tapping savings. Their new payment rose just $368, while the ADU generates $2,500 per month in rent—producing over $25K in annual passive income. CLG’s smart refinance strategy created immediate cash flow and long-term value.

Refinance + Early Payoff Strategy

By refinancing from 7.625% to 6.25%, this Newport Beach couple saved $1,151/month on their mortgage. Rather than pocketing the savings, they reinvested it into their loan principal—paying off their home 8 years and 7 months early and saving $503,440 in interest. CLG helped them keep their monthly budget the same while dramatically reducing their debt timeline and total cost.

Why Work With CLG?

Our team has deep experience with:

Complex income verification
Low down payment options
Rate shopping for jumbo and conventional loans
Navigating the Southern California real estate market

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Let's unlock possibilities and inspire hope together.