Mortgage Lender, Mortgage Broker, Home Loans, Refinance, Low Rates.

We will never sell your email address to any 3rd party.  Obtaining email is to send you mortgage financing details only.

Apply today

Fill out our form below to receive a FREE personalized quote.

Instant Quote

* is a required field

Mortgage Lender, Mortgage Broker, Home Loans, Refinance, Low Rates.

No Points, No Fees (No closing costs) Option
All of our fixed mortgage products have this loan option available to qualified borrowers.

Mortgage Lender, Mortgage Broker, Home Loans, Refinance, Low Rates.
Mortgage Lender, Mortgage Broker, Home Loans, Refinance, Low Rates.

24hr Lender Pre-Approval Process
With our paperless streamline approval process is is likely we will close escrow in 18 days or less (purchases only).

We specialize in Conventional JUMBO, FHA and VA Residential Mortgage Loans
We have many loan programs to help you find a mortgage that is right for you.

About Cali Mortgage:

Cali Mortgage is a branch of Sierra Pacific Mortgage Company, Inc. Incorporated in 1986.   Placer County location is 3175 Sunset Blvd., Suite 100, Rocklin, CA 95677.

Sierra Pacific Mortgage Inc. takes pride in having very competitive interest rates for your new mortgage along with superior customer service.   Our streamline approval process  makes for an utterly smooth and painless transaction.

For many years now we have been helping families all over California obtain some of the lowest interest rates with minimal closing costs for their homes for both Conventional FHA and Jumbo financing. I have seen tremendous growth in the mortgage industry since then, and with the advance of today’s technology and a variety of programs for home financing, I have been able to streamline the lending process.  We are also very proud to announce Cali Mortgage is a Certified Bay Area Green Business Mortgage Lender and accredited with the Better Business Bureau .

Working with Bay Area Native, Aaron Knutson with Cali Mortgage, you will begin to understand we take pride in knowing that our rates are always very competitvely priced so you can feel confident you have received the a comptitive interest rate for your home loan. We encourage you to ask lots of questions and feel free to contact us any time!  Each and every question is important when making such an important financial decision.

If we can make our clients aware of the many loan options available to them and help them to understand those options, then tailoring a mortgage program to match their specific needs and long-term goals will come with ease. We help our clients get approved with extremely well priced mortgages by utilizing all of today’s lending guidelines and their personal qualifications to search every program with every lender available. With a paperless format and automated approval system we are able to cut cost and pass those savings on to our clients.  Whether you’re a first-time home buyer or are returning to the home financing process again, we encourage you to take advantage of our expertise, knowledge of today’s market and the mortgage industry as a whole.

As we walk you through the home loan process, it is our professionalism and excellent work ethics that will nurture your confidence and comfort level. Its home financing made easy!

Cali Mortgage reviews
Cali Mortgage Reputation
' We chose Cali Mortgage after initially starting the loan process with a local “big name” company. We received an extremely competitive loan package ... more '
by charlene696
' I worked with Aaron Knutson at Cali Mortgage and he helped my family and I with our new mortgage. He advised us on everything to expect. I thought ... more '
by soteloclan
' Best and most competitive rates. Worked with Aaron Knutson who was very personable and helpful in explaining the refinance process. We shopped ... more '
by RajniGollings
Mortgage Lender, Mortgage Broker, Home Loans, Refinance, Low Rates.
Mortgage Lender, Mortgage Broker, Home Loans, Refinance, Low Rates.


Senior Mortgage Loan Officer, Aaron Knutson (NMLS: 262862) has over 10 years experience in online Mortgage Lending.  An experienced California Mortgage Lender and Mortgage Market Analyst.  2014 Top producing Loan Officer at Sierra Pacific Mortgage Inc. 

Just recently did a refi with Cali Mortgage... for 15 years at 2.75% rate.. I had to say, Cali Mortgage is top notch in customer service, professionalism and they handle the transaction so well utilizing the latest digital signature technology ...More

Ya Her - December 5, 2014 - Google Places/Google Maps/Google + Review

Toll Free: 888-334-6995

Direct: 916-367-7508

Speak to an experienced Loan Officer today:

Disclosure current as of April 27, 2015.

  • There is no prepayment penalty.
  • The chart below shows the interest rate, APR, and the initial monthly payments:

    Payment Examples
    Loan Amount 30 Year Fixed Rate APR Initial Monthly
    (for 360 months)
    $175,000 3.625% 3.956% $798
    $200,000 3.625% 3.935% $912
    $225,000 3.625% 3.918% $1026
    $250,000 3.625% 3.904% $1140
    $400,000 3.625% 3.87% $1824
  • Disclosure Assumptions
  • Interest rate quoted assumes a FICO score of 720 with a maximum loan-to-value ratio of 80% on a primary residence.
  • The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property and other factors.
  • The interest rate is for a 30 year fixed. The disclosed APR is based on 0 discount points, 0% origination fee and $1695 additional prepaid finance charges which will be due at closing. 
  • Not available in all states.
  • Rates are subject to change daily without notice.
  • Payment amounts shown do not include taxes or insurance.  Your payment obligation will be higher.

Lender fees may include processing: $695 underwriting: $950 as well as any points depending on the interest rate chosen.  All 3rd party fees additional such as appraisal, escrow, title, etc.  Contact us anytime to go over fees associated with a refinance or home loan purchase.

Please correct the following errors: