houseWhether you are ready to buy your first home, a vacation home, an investment property or a move–up home or you’re downsizing, the mortgage lending process can be daunting. If you want to refinance to lower your payments or pay for a remodel, you can use some expert advice on California lending conditions. Even experienced homeowners need some help sometimes navigating the maze of information and paperwork required for today’s mortgage loans. Check out this step–by–step mortgage guide.