Current Processing Timeline

Simple and transparent loan process, we use advanced web-based secured paperless file system to streamline loan process and accept e-signatures.

Open to Process - 2 to 3 business days
Underwriting (Purchase) - 4 to 7 business days
Underwriting (Refinance) - 5 to 10 business days
Clear to close - 3 to 5 business days

Note: Processing times are estimated and may vary due to volume,
file complexity, and other factors.

Today’s Mortgage Rates

Loan Program Rates APR Get Started
Conforming 30-Year Fixed 4.000 % 4.023 % APPLY ONLINE
Conforming 15-Year Fixed 3.375 % 3.398 % APPLY ONLINE
Jumbo 30-Year Fixe 4.375 % 4.428 % APPLY ONLINE
Jumbo 15-Year Fixed 3.875 % 3.921 % APPLY ONLINE

Finding The Right Mortgage Option:

Mortgage Capital can clearly explain your options, you can better select a mortgage that is right for your financial situation.

  • Fixed has predictable payments.
  • Variable (ARM) have an interest rate that may change periodically.
  • Jumbo for higher loan amount.
  • FHA with low down payment options and flexible credit.
  • VA loan up to 100% financing for qualified borrowers.
  • Reverse Mortgage for homeowners 62 years or older.

Home Loan Rates

Mortgage Capital Associates offers a variety of mortgage products with competitive rates. Learn current mortgage rates and get a personalize quote.

Mortgage Rates

Request a Rate Quote

Home Loan Calculators

Use our online mortgage calculators to estimate your monthly payments in just minutes! Our calculator includes amortization tables, bi-weekly savings estimates and more.

Mortgage Calculators

Need Help?

1-on-1 Loan Consultation

No matter where you live, a friendly mortgage loan originator is just a phone call away. Fill out a simple form for a call back at your convenient time!

Apply Online by Loan Officer’s Name

Request a Call Back


Buying a Home?

Getting prequalified is the initial step in the mortgage process, and it’s generally fairly simple. We will help you take the first step toward your home financing goal with a pre-qualification consultation.

  • Rent vs. Buying
  • Buying a First Home
  • Buying an Investment
  • Buying a Second Home
  • How Much Can I Borrow
  • Low Down Payment Options

What Clients Tell Us About Their Experience with MCA

  • Jerry Tai
  • Victor Perez
  • Ben Shu
  • I have financed about 3 to 4 properties with Mortgage capital Associates.   I started with my primary in 2003 and recently financed two more loans with Jennifer Cho as I am purchasing my 5th property. Jennifer is just an awesome loan officer.  She is the reason I come back to you guys.  Very helpful and mostly cater for the customer needs and strive to accomplish these needs rather than shuts down any requests.  Can’t find any complaints so the least I can do is show my appreciation to her and how much of a value she is to your company. Keep up the good work guys.
    Mark Kattan
  • Jennifer was readily available when I needed to speak with her. I find it VERY important to be able to call my mortgage agent to get questions answered quickly. Jennifer provided that. She was very honest, blunt and concise. I recommend her 100%.
    Rob P.
  • As a real estate professional, I’ve now worked with Jennifer Cho of Mortgage Capital Associates a few times over the past several months.  Her level of professionalism, communication, and overall timeliness is outstanding.  I can’t stress how many lenders I’ve come across over the years that leave so much to be desired.  This company, and Jennifer, stand above the pack.  I highly recommend her team.
    Simone C.
    2/24/2016 CA
  • I own a number of properties. I have used David Young at Mortgage Capital numerous times. I use them because their rates are far better than a traditional mortgage broker. If you are looking to have your hand held and willing to pay for that experience, Mortgage Capital may not fit your needs. They make their money off volume. But if you want to save a ton of money, these are your guys. In the past 10 years, I have used them at least 5 times. Only once did I use another lender.
    Scott W.
    8/31/2015 WA
  • I was dealing with 3 different companies when i started the process of refinancing my home to remove Mortgage Insurance. MCA was by far the lowest provider not just in loan costs but also interest rate. Their service was also impeccable. Sidney Flores and her team were updating me constantly on the status of my refinance. At all hours not just your standard 9am to 6pm office hours. Really a great organization and you should definitely give them a call if you are looking for mortgage loans.
    Juan P.
    10/15/2015 CA