Unlocking Possibilities. Inspiring Hope.

You Manage Your Investments. Who’s Managing Your Mortgage?

Free ongoing mortgage review—unlock hundreds or thousands in savings.

Introducing Mortgages Under Management by California Lending Group — a free service for homeowners in San Diego and Orange County.

Rethink Your Mortgage Like an Investor

Your Mortgage Deserves More Than Set-and-Forget

Most people only think about their mortgage when they buy or refinance. But the smartest homeowners treat their mortgage like a financial tool not a fixed expense.

At California Lending Group, we actively manage your loan like a portfolio advisor. That means you never overpay on interest, miss refinance opportunities, or let equity go unused.

We believe smart homeownership starts with smart mortgage strategy.

What You Get With Mortgages Under Management

Annual Mortgage + Tax Strategy Review in Collaboration with Your CPA for Maximum Long-Term Savings

When you join our Mortgages Under Management program, you’ll receive:

A one-on-one mortgage health check (current rate vs. market trends)
A personalized refinance or pay-down strategy
Equity usage or protection options based on your goals
Proactive alerts when better rates or savings are available
Peace of mind knowing a mortgage expert is monitoring your loan

California Lending Group Case Studies

Case Study #1: $17,718 in Tax Savings Through Smart Loan Structuring

Clients: Laguna Couple
Scenario:

Owned a fully paid-off investment condo
Had a $1.5 million mortgage on their primary residence
Interest rate: 6.75%

The Problem:

Because their entire $1.5M loan was tied to their primary home, the IRS only allowed them to deduct interest on $750,000 of it.
This meant half of their mortgage interest—over $50,000 per year—wasn’t deductible.

The Strategy:

We restructured their debt, splitting the mortgage evenly across two properties:

$750,000 collateralized by the primary residence
$750,000 collateralized by the investment condo

By doing this, they could deduct interest on $1.5M total instead of just $750,000.

The Result:

Annual interest: $101,250
Deductible interest before: $50,625
Deductible interest after: $101,250
Tax savings at 35% rate: $17,718/year

Client quote: “CLG didn’t just refinance us, they helped us double our tax deductions with the same mortgage. This strategy paid for itself immediately.”

Case Study #2: Strategic Refinance & Equity Access

Client: San Diego Tech Professional
Scenario:

Original Loan: $1.1 million
Original Rate: 7.5%
Refi Rate: 6.5% (30-year fixed)
New Loan Amount: $1.275 million (including $175,000 cash-out)
Monthly Payment Increase: $368

The Strategy:

This client wanted to build an ADU to generate rental income. Instead of taking out a separate loan or tapping cash reserves, we refinanced their mortgage, pulling $175,000 in equity at a lower rate and wrapping it into one simple payment.

The Result:

Accessed $175,000 in equity
Built a fully rentable ADU
Monthly payment increased by $368
ADU rents for $2,500/month
Net cash flow: $2,132/month
Annual passive income: $25,584

Client quote: “CLG helped us unlock equity at a lower rate. Now our backyard is generating over $2,000 a month in income, more than covering the new payment.”

Case Study #3: Refinance + Early Payoff Strategy

Clients: Newport Beach Couple
Scenario:

Original Loan Amount: $1.25 million
Original Rate: 7.625%
Original Monthly Payment: $8,847
Refinance Rate: 6.25% (30-year fixed)
New Monthly Payment: $7,696
Monthly Savings: $1,151

The Strategy:

After refinancing, this couple chose to reinvest their $1,151/month in savings directly back into their mortgage. Instead of stretching the loan over 30 years, they used the savings to pay off their principal faster and reduce their long-term interest burden.

The Result:

Loan paid off in 21 years and 5 months — 8 years and 7 months early
Interest savings: $503,440
29% faster payoff, 33% less interest paid

Client quote: “We didn’t change how much we spent each month, just how we spent it. CLG helped us cut years off our loan and save over half a million in interest!”

Why It Matters

Your Mortgage Is One of Your Largest Assets. Treat It That Way.

Your mortgage is likely your biggest monthly expense. Managing it proactively could save you thousands per year or accelerate how fast you build wealth.

This isn’t a sales pitch. It’s a smarter way to own your home backed by experts who are local, experienced, and committed to helping you win.

We believe you shouldn’t have to ask if you’re overpaying. You should already know.

Real People. Real Dreams. Real Homes.

“My family had a positive experience purchasing a home with the help of Shawn and his team. I would highly recommend if you are looking to secure a house yourself."

-RANIA AMMAR, Homebuyer

"Shawn and his team are top notch! He delivers quick results and great communication throughout the transaction."

-MAYRA CONDE, REALTOR

"Absolutely the best mortgage broker I’ve ever worked with. Honest, highly competent and responsive. You won’t be disappointed with the service you receive."

-SHELLEY PATTON, HOMEBUYER

"I’ve been working with Shawn for almost ten years now and he is an absolute gem! My clients appreciate his responsiveness, clarity, and friendliness. He is on top of the market and lending changes and knows how to get the job done. When we work together, I know the transaction will go smoothly!"

-MICHELLE R., REALTOR

"Shawn helped me purchase a home for my family a few months ago. He and his team were incredible throughout the entire lending process and continue to be extremely helpful long after my loan closed. He takes all of my phone calls, answers any questions I have, and is extremely kind and courteous. I highly recommend California Lending Group."

-MA DANISH

Ready to See If You're Leaving Money on the Table?

Schedule a free 30-minute Mortgage Review today with CLG Founder and CEO Shawn Brown.