Purchase Loans
Conventional, FHA and VA financing for first-time and move-up buyers anywhere in the state.
Home / California Loans
Marketline, Inc. · The Golden State
There’s no place
like home.
From coastal condos to Central Valley ranch homes, our California company brings the same family service and the same modern loan technology to every corner of the state.
Our California Company
Big-bank technology. Small-town family service.
Marketline, Inc. is the California company of the Marketline family, licensed by the California Department of Real Estate to arrange residential financing on California properties. Marketline, Inc. has served California homeowners since 2011, and owners Taum and Donna Hemmingsen still personally handle every loan.
Most of our California clients come to us through referrals from people we’ve already helped. Whether you’re buying your first home, moving up, refinancing, or buying a place by the coast, we compare loans from multiple lenders so you don’t have to.
You apply online, sign securely, and talk with the owner, not a call center. Escrow and closing happen in California, just like any local loan.
California at a glance
- 2026 conforming limit
- $832,750
- High-cost counties up to
- $1,249,125
- CA DRE Corporate License
- #01893968
- Serving California
- Since 2011
Loan Programs
California loan options
Jumbo Loans
For homes above your county’s conforming limit, with fixed and adjustable options.
Refinance & Cash-Out
Lower your rate, shorten your term, or use your equity for a remodel or a second property.
ADU Financing
Options to buy a home with a permitted ADU or borrow to build one on the property you own.
Second Homes
For a weekend place in Palm Springs, Tahoe or along the coast, with occupancy rules explained up front.
DSCR & Investment
Rental properties qualified on the property’s rental income instead of your tax returns.
Know Before You Buy
California details we plan for
Homeowners insurance
In some fire-prone areas, coverage can take longer to find or cost more. We’ll get you started on insurance early and plan for the cost in your payment.
Property taxes & Mello-Roos
Your tax bill is generally reset when you buy, and some newer communities add special assessments. We include both when we estimate your payment.
Condo project reviews
Lenders review the whole building, not just your unit. HOA reserves, the share of rentals, and pending litigation can all affect which loans a project qualifies for.
County loan limits
California’s limits vary widely by county. We’ll tell you where yours falls so you know whether you’re in conforming or jumbo territory before you make an offer.
Questions
California mortgage FAQ
Do you have to be located in California to do my California loan?
No. Marketline, Inc. is licensed by the California Department of Real Estate (corporate license #01893968), so we can arrange financing on California properties. Applications, disclosures and document signing are handled online and by phone, and escrow and closing take place in California as usual.
What counts as a jumbo loan in California?
It depends on the county. In 2026 the standard conforming limit for a single-family home is $832,750, and in California’s highest-cost counties it can go as high as $1,249,125. Loans above your county’s limit are jumbo loans, and we’ll tell you exactly where your county falls.
Can I finance a home with an ADU, or borrow to build one?
Often, yes. Depending on the loan, rental income from a permitted ADU may help you qualify, and renovation or cash-out loans can help pay for building one. We’ll check how each lender treats the unit before you commit.
Does homeowners insurance affect my California loan?
Yes. Lenders need proof of insurance before closing, and in some fire-prone areas coverage can take longer to find or cost more. Start on insurance early in escrow and we’ll help you plan for the cost in your payment.
Licensing
Licensed in California
NMLS #396643Marketline, Inc.
#01893968CA DRE Corporate License
#01883731CA DRE Broker Officer
NMLS #51267David “Taum” Hemmingsen
California operations are conducted through Marketline, Inc. Verify licenses at the California Department of Real Estate and NMLS Consumer Access.
Talk with Taum about your California loan.
Free consultation, no pressure. Toll free 1-877-967-8286, ext. 1 · Cell 480-797-4898 · taum@mktln.com
David “Taum” Hemmingsen
Owner/Broker, Marketline, Inc.
NMLS #51267 · CA DRE Broker Officer #01883731
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