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Searching for a California home loan? You’ve come to the right place.

Trilogy Mortgage is pleased to offer a variety of home financing options, including low and zero money down choices, to home buyers throughout the Golden State. Whether you’re looking for a loan that offers 100% financing, a conventional fixed rate loan, a mortgage for rental property, or you want to refinance your current mortgage, our team of mortgage professionals can help. Explore our home loan programs today and feel free to reach out to us for more information.

We currently offer the following types of mortgages: Conventional, FHA, VA, USDA, and Jumbo

Call us today at (800) 939-4177




Couple walking into their new home


Conventional Mortgages are home financing programs that abide by Federal National Mortgage Association (Fannie Mae) guidelines. Conventional Mortgages typically have more competitive interest rates, but generally require at least 20% down in order to avoid paying additional insurance fees (private mortgage insurance or PMI for short). For home buyers who can afford to make a 20% down payment, a Conventional Mortgage may be the best option. We offer conventional financing for most types of primary residences, second/vacation homes, and 1-4 unit rental properties.

Row of townhomes


For home buyes who do not have enough cash saved up to make a significant down payment, an FHA Loan could be an affordable alternative. Unlike Conventional Loans, FHA Loans do not require 20% down. Instead, the FHA Loan only requires a 3.5% minimum down payment. Additionally, FHA Loans tend to have less restrictive credit score requirements than Conventional Mortgages. These features make FHA Mortgages very popular among first time buyers, though repeat buyers are welcome to apply for FHA financing, too.

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Mother in the military with her son


Trilogy Mortgage is proud to offer zero money down VA Mortgages to eligible borrowers throughout California. With 100% financing available and fairly lenient credit requirements, VA Loans are one of the most affordable and accessible pathways to homeownership for the brave men and women who have served our counrty.

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Family in their home they purchased with a USDA mortgage


We are happy to offer no money down USDA Rural Housing Loans for eligible borrowers and eligible properties in the US. USDA Loans are intended to help stimulate homeownerhsip in rural areas, so only homes located in USDA-approved areas will qualify. Borrowers must also meet certain eligibility requirements, including falling below certain income restrictions.

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Luxury home purchased with a jumbo loan


If you’re looking to finance a home that is priced beyond the conforming limits of your area, our Jumbo Mortgage program may be just what you need. We offer Jumbo Mortgages for high-value residential properties throughout California. Talk to us today for more information and to receive a free rate quote.

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Ready to get started? Call us today at (800) 939-4177

Client Testimonials

Feedback from Customers

Margaret C.

Pasadena, CA (via YELP)

“My dad has worked with this lender twice before and gave me glowing reviews. I still did my own research into a handful of other companies and none of them came close to the rate offered here.”


Catherine N.

Fullerton, CA (via YELP)

“Exceptional service from end to end! Mike found the lowest rates and closing costs for us and was able to pull us away from a big bank that we used for many home purchases and mortgage refinances. He and his team did a superb job every step of the way. ”


Chuck H.

Long Beach (via YELP)

“I was referred to Trilogy and I would absolutely recommend them to all my friends, coworkers and relatives. All the paperwork was complete and accurate. The process was actually easy and I saved so much money on my mortgage.”