California Lending & Realty - Michael Thomas

California Lending & Realty led by Michael Thomas is a San Diego-based real estate and mortgage services firm with a spotless 5-star reputation earned through 53 satisfied client reviews. Michael Thomas offers a unique dual advantage—combining licensed real estate representation with in-house lending expertise so clients can streamline the home-buying process from offer to close under one trusted roof. San Diego's competitive market demands speed and precision, and Michael's ability to pre-underwrite buyers gives his clients a significant edge over the competition. Whether you're purchasing your first condo in Hillcrest or refinancing a home in Scripps Ranch, California Lending & Realty delivers the financial savvy and real estate acumen to get the deal done right. FAQ Q: What loan programs does California Lending & Realty offer for San Diego buyers? A: Michael Thomas offers conventional, FHA, VA, and jumbo loan programs—critical in San Diego where home prices frequently exceed conforming loan limits. He also works with first-time buyer assistance programs available through California. Q: How does combining lending and real estate services benefit buyers in San Diego? A: Having one expert manage both financing and representation eliminates coordination gaps, speeds up approvals, and often results in smoother closings—especially important in San Diego's fast-moving market where offers with financing contingencies need strong lender backing. Q: Can Michael Thomas help with investment property financing in San Diego? A: Yes, Michael has experience structuring financing for investment properties, including multi-unit buildings and short-term rental properties in San Diego County, and can advise on DSCR and investor-specific loan products.