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Licensed in California
Home loans in California
Patriot does not have an office in California, and you do not need one. 5 Patriot loan officers are licensed to lend here and work with California borrowers every week — by phone, video and e-signature, from application to closing.
- California license
- #603K011 · Belem Servicing LLC d/b/a Patriot Home Mortgage, NMLS #715386
- Officers licensed here
- 5
- Offices in California
- None — we lend here remotely
- Verify us
- NMLS Consumer Access →
How a California loan works without a local office
Most of a mortgage already happens on a screen. Here is what working with Patriot from California looks like.
A named officer, licensed in California
You get one person with an NMLS number and a direct line — the same person from the first call to closing.
Documents once, online
Upload through the secure portal and e-sign disclosures. Your Loan Estimate arrives within three business days of application.
Closing in California
Signing happens with a notary or title office near you, on your schedule. Your Closing Disclosure arrives at least three business days before.
Patriot loan officers licensed in California
Each officer below holds an active California license. Open a profile for specialties, languages and a direct line.
California loan limits for 2026
Limits are set by county, and they decide which program fits. Check yours before you shop.
- Conventional (conforming)2026 baseline limit is $832,750 for a one-unit home; high-cost counties go up to $1,249,125. Look up your county at FHFA.
- VANo loan limit for borrowers with full entitlement since January 1, 2020. VA loan limits explained.
- FHALimits are set by county. Check the HUD limit for your county in California.
- USDAEligibility depends on the property's location and household income. USDA eligibility map.
Figures are federal program limits, not an offer of credit. Sources: FHFA conforming loan limit values for 2026; HUD FHA loan limits; U.S. Department of Veterans Affairs. Last reviewed October 2026.
Programs available in California
Every Patriot program is available to California borrowers.
Also licensed in:
Talk to a California-licensed loan officer
Four questions, no credit pull, and an honest range — then the name of the officer who will carry your file.
Patriot Home Mortgage is a d/b/a of Belem Servicing LLC, NMLS #715386 · NMLS Consumer Access · Equal Housing Lender. Not a commitment to lend. All loans subject to credit approval.