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History

 

  

 

 

Now entering its 30th year of operation, First Cal has funded nearly $500 billion in residential loans in California as First California Mortgage Company and nationally as Mortgage Service America. Originally founded in 1977, the two companies grew to employ 2,800 people in 108 offices in 42 states.
 

In 1986 the firm expanded its operations, opening a wholesale division called Headlands Mortgage. First California Mortgage Company sold its loan and servicing operations to GMAC (formerly Homecomings Financial) in 1995. Three years later, Headlands was taken public (NASDAQ: HDLD) prior to being sold to GreenPoint Mortgage in 1999.
 

First Cal resumed mortgage lending operations in 2003 to serve the needs of mortgage brokers and retail borrowers in the San Francisco Bay Area. Since then, it has obtained licenses to lend in eight states, including Arizona, California, Colorado, Hawaii, Idaho, New Mexico, Oregon and Washington.
 

First Cal specializes in conforming, jumbo and FHA lending, and is a Fannie Mae direct lender and loan servicer. The company maintains its headquarters in Petaluma, Calif. and remains privately owned.

 

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First Cal supports a number of worthwhile causes each year with financial contributions and through the direct involvement of our employees. We want to share our prosp...Read More
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Testimonials

  • As a first time homebuyer I had a lot of questions about the loan proccess. I was so surprised at how easy First Cal made the whole process feel and how quickly they got all of our documents submitted so that we could get into our new home

    - Kathleen

  • Heather

    Thank you so much for going above and beyond to help us close on our first home. We truly appreciate all the efficient communication and taking the extra time in answering all of our questions. The house is just perfect and we couldn't have done it without all of you.

    - Heather and Stephen Chiaro

  • Being a first time home buyer I had a ton of questions and wanted to close the best loan I could. First Cal helped me every step of the way by providing a loan officer that answered every question and held my hand through the process. They closed my loan in less than 30 days and got me the best rate of any company out there.

    - Heather