PurchaseRefinanceVAFHAJumboServing all of California
California mortgage advice with a broker's edge.
David & Tasha Wolf · Mortgage brokers · NMLS 1826415 & 1832938 · 800-266-8663
A planning tool to frame the conversation, not a rate quote.
Rates, terms, and eligibility depend on credit profile, income, property, loan program, occupancy, market conditions, and underwriting approval. NMLS 1830991.
How it works
A clear next step, without skipping the questions that matter.
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Start with your goal
Use the options finder or talk with David and Tasha about what you want to compare.
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Review the full picture
Income, assets, credit, property, and debts shape the options. Share documents only through the secure application.
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Compare the trade-offs
Look at payment, cash to close, fees, and loan structure together before deciding what to pursue.
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Work through the details
If you proceed, we help you understand underwriting questions, conditions, and closing documents. Approval remains subject to lender requirements.
Big Bank vs. Online Lender vs. Mortgage Broker
Different lending channels can be right for different people. The advantage of a broker is choice, comparison, and a person responsible for helping you understand the structure.
How we are paid. In most loans, we are paid by the lender, not you. Some loans are borrower-paid. Your Loan Estimate shows how we are paid so you can compare the costs.
David & Tasha Wolf
California mortgage brokers. We help you compare loan structures, understand the costs, and decide what to explore next.
David is the Broker-Owner, with experience in real estate and lending dating to his first licensing in Canada in 1999. Tasha is a California mortgage broker. Together, we bring a personal conversation to purchase, refinance, and home-equity questions.
David Wolf NMLS 1826415
Tasha Wolf NMLS 1832938
Popular loan programs
Start with the basics. The right comparison depends on your full file.
Conventional Loans
A common fit for buyers and homeowners who want flexible purchase or refinance structures.
Learn moreFHA Loans
Government-backed options that may help buyers with lower down payment needs or different credit profiles.
Learn moreVA Loans
For eligible veterans, service members, and qualifying spouses, with careful guidance on benefits and property requirements.
Learn moreJumbo Loans
Financing for higher-priced California homes where documentation, reserves, and lender selection matter.
Learn moreHear from clients
5.0 across 47 team reviews on Zillow, as of October 2026.
Zillow includes team reviews across real-estate and mortgage experiences, not mortgage-only ratings or reviews of every team member. See the source for individual review details and current ratings.
David has been amazing to work with! He completely explained the whole process in and out and made me feel so knowledgeable regarding home buying. He took the time to explain all my options and provided recommendations that best suited my needs. His expertise, care, responsiveness, and dedication has made the home buying process so much less stressful. He was there every step of the way and went above and beyond in his services. I truly don't think any other broker would have provided the same level of commitment and effort as he did. Thank you, David, for all your hard work and time.
This was the fastest refi we've ever experienced, and ours involved a VA loan and rolling in a HELOC. David kept us informed the whole way.
We had an excellent experience. David was honest, transparent, patient, and did the legwork to find a loan that fit our needs.
Explore before you decide
Read plain-English mortgage guides or work through editable estimates. Tools frame the conversation; they are not quotes or approval decisions.