California · NMLS #1874864
Your mortgage coach in California
From San Diego to the Bay, I help California buyers navigate high-cost markets and self-employed income with a clear plan — not pressure.
Schedule a Call →The California market
Buying or refinancing in California
California real estate is its own world. Home prices in most metros — San Diego, Los Angeles, Orange County, the Bay Area, Sacramento — push past conforming loan limits, which means Jumbo financing is the rule, not the exception. Getting that right takes a lender who actually knows the product.
California also has one of the largest self-employed and gig-economy workforces in the country. If a bank told you your income is 'too complicated,' that's not the end of the conversation — Non-QM and bank-statement loans are built exactly for that. And with a major military presence around San Diego, the VA loan remains a powerful tool. (I'm originally from San Diego, so this market is personal.)
How I help here
Loan options that fit California
Jumbo loans for high-cost markets
Most California homes exceed conforming limits. I'll structure Jumbo financing with the same personal attention as any other loan — and walk you through exactly what underwriting needs.
Non-QM for self-employed Californians
Bank-statement, 1099, and asset-based programs let business owners and gig workers qualify on their real income — not just W-2s.
VA loans (San Diego & beyond)
Zero down and no PMI for veterans and active-duty service members. A standout benefit in a high-cost state.
Strong, fast pre-approvals
California markets move fast. A solid, well-documented pre-approval helps your offer stand out — and I respond same business day.
Serving California
Markets I work in
California questions
Frequently asked
Is Cory Graciano licensed to do mortgages in California?
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Yes. Cory Graciano (NMLS #1874864) is licensed to originate mortgages in California, brokered through Rate.com. He's originally from San Diego.
Why do so many California buyers need Jumbo loans?
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Home prices in most California metros exceed the conforming loan limit, so financing above that limit requires a Jumbo loan. Cory structures Jumbo financing for California buyers and explains exactly what underwriting requires.
Can Cory help self-employed California borrowers qualify?
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Yes. Through Non-QM and bank-statement loan programs, Cory helps California's many self-employed and gig-economy borrowers qualify using bank statements or assets instead of traditional W-2 income.
Let's talk about California
No application needed, no commitment — just a clear, honest plan for your situation. Grab a time that works for you.
Schedule a Call →