Financing real estate in California starts with clear numbers

I’m Jack Terrell, President and CEO of California Mortgage Advisors, Inc. For more than 30 years, I’ve helped individuals, families, and investors navigate the mortgage process with confidence. Throughout my career, I’ve funded over $1 billion in loans and have been recognized multiple times by Scotsman Guide as one of the Top 100 Loan Originators in the country.

As a mortgage broker, I have access to a wide range of lenders and loan programs. Whether you’re buying your first home, refinancing, purchasing an investment property, or considering a reverse mortgage, I’ll take the time to understand your goals and explain your options in plain language.

Based in Marin County, I serve clients throughout California and believe a mortgage relationship shouldn’t end at closing. I’m here as an ongoing resource whenever you have a question, are planning your next move, or want to review your financing options.

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BBB Accredited Business, A+ rating
Hi, I’m Jack Terrell
Jack Terrell

Let’s talk about your mortgage goals.

Call or text: (415) 302-4288
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Reviews

What Clients Shared About Working With Jack Terrell

Client reviews from Google, Yelp and calmtg.com Reviews from the California Mortgage Advisors, Inc. Google Business Profile, Yelp page and calmtg.com reviews page

I’ve worked with a few different mortgage brokers on my home-buying journey this last ~year, and California Mortgage Advisors is by far the best. Jack Terrell and Angela Camacho were easy to work with, knowledgeable, patient, walked me through everything along the way, and most importantly, had the best rate and deal! I highly recommend them to anyone who is buying a home, refinancing, etc. Thanks so much to Jack and Angela, for all of their help.

zrokeach1Purchase borrower · Google review

If you’re looking for an experienced apartment loan broker or multifamily financing expert, I highly recommend Jack Terrell at California Mortgage Advisors. These were sophisticated multifamily financing transactions that required extensive lender knowledge, strategic thinking, and exceptional execution. Jack’s expertise in apartment building loans, multifamily financing, commercial real estate lending, refinancing, and agency and bank loan programs was evident throughout the process. He was proactive, responsive, and consistently found solutions to challenges that could have delayed or jeopardized the transactions. What impressed us most was his ability to navigate complex financing scenarios while keeping us informed every step of the way. His experience, professionalism, and commitment to his clients are truly exceptional. For anyone seeking financing for an apartment building, multifamily property, or commercial real estate investment, we highly recommend Jack Terrell and California Mortgage Advisors. If you want a knowledgeable mortgage broker who delivers results, Jack is the person to call.

CJ RunMultifamily borrower · Google review

I’ve refinanced with California Mortgage Advisors (Jack and Angela) twice and would highly recommend them to anyone looking for a reliable and trustworthy lender. They were incredibly kind, patient, and genuinely cared about making sure I felt confident every step of the way. They kept me informed throughout the entire process, answered all of my questions quickly, and explained everything in a way that was easy to understand which made the process feel smooth and manageable. I always felt like I was in good hands and wouldn’t hesitate to work with them again in the future!

Katie MillerRepeat refinance borrower · Google review

Jack Terrel did an outstanding job refinancing my home mortgage. He is quick, efficient, and always on top of the best deals available in the market. He understands his clients’ priorities, in my case specially securing a zero-cost refinance. He also works very effectively with underwriters and clears any hurdles quickly, which made the entire process seamless. I truly appreciated his professionalism and responsiveness. I would absolutely work with him again and highly recommend him to anyone looking to refinance or secure a mortgage.

Narbeh AghazarianRefinance borrower · Google review

I have been working with Jack Terrell and his team since I bought my house in 2000. He has always gone above and beyond to help me make the best financial decisions around my home. He helped me to stay in my home at a time when I’d quit a long term career in one field to move into a less lucrative field. He helped me stay in my home through a divorce. He always let me know when it was a good time to refinance and walked me through the process with so much patience and kindness. When complications arose with a terrible property management company in a recent refinance, Jack and Angela dealt with that company directly, saving me a lot of time and aggravation, and got what we needed. Needless to say, I highly recommend working with Jack. He’s not just a great mortgage advisor, he’s a truly good person.

Leila SamradPurchase and refinance borrower · Google review

We really enjoyed working with Jack Terrell and his team as our mortage broker. They made it extremely easy as they provided great advice and guidance through the whole process.

Katherine AndrosBorrower · Google review

My husband and I had been thinking about refinancing to free up some money. I contacted a few companies as I wanted to get multiple quotes. One of the companies I contacted was California Mortgage Advisors (CMA) as I had received a mailer from them, so I said ’why not?’ I did some research on the company as I had not heard of them before and I was happy with their reviews and background info. I had the pleasure of working with Jack Terrell of CMA. Mr. Terrell made the whole process as easy as it could be. He was very patient and understanding about my situation and offered to help in multiple ways, providing me options which I greatly appreciated. Not only was he professional, but he was personable as well. Communication was key and Mr. Terrell’s communication was excellent. I would definitely work with Mr. Terrell again and will absolutely refer him to friends and family with home financing needs.

Maria Cecilia RamosRefinance borrower · Google review

I had a great experience working with my mortgage loan advisor from start to finish. They were knowledgeable, responsive, and made the entire loan process smooth and low stress. I highly recommend them to anyone looking for a reliable mortgage advisor.

Emily HearnBorrower · Google review

I have used California Mortgage Advisors multiple times over the years and always feel they stay plugged in to the process every step of the way. Could not recomment more. We are very happy with the support, communications and deal execution. Highly recommended as they take many of the headaches upon themselves and get the mortgage done.

Christopher CartwrightRepeat borrower · Google review

If you’re looking for an experienced apartment loan broker or multifamily financing expert, I highly recommend Jack Terrell at California Mortgage Advisors. Jack recently helped us secure financing for two apartment properties--a 56-unit building and a 54-unit building--with total loan amounts exceeding $12 million. These were sophisticated multifamily financing transactions that required extensive lender knowledge, strategic thinking, and exceptional execution. Jack’s expertise in apartment building loans, multifamily financing, commercial real estate lending, refinancing, and agency and bank loan programs was evident throughout the process. He was proactive, responsive, and consistently found solutions to challenges that could have delayed or jeopardized the transactions. What impressed us most was his ability to navigate complex financing scenarios while keeping us informed every step of the way. His experience, professionalism, and commitment to his clients are truly exceptional. For anyone seeking financing for an apartment building, multifamily property, or commercial real estate investment, we highly recommend Jack Terrell and California Mortgage Advisors. If you want a knowledgeable mortgage broker who delivers results, Jack is the person to call.

Bella L.Yelp review · Jun 17, 2026

In looking for a mortgage broker to help my wife and me purchase our first home, my brother told me, "Stop looking. I have the guy you need". We called Jack Terrell at CMA and couldn’t be happier. Jack, with assistance by Angela Camacho, stripped a daunting process down into easily understood steps. We knew they had our backs. Please do yourself a favor and call Jack at California Mortgage Advisors.

Kirsten B.Yelp review · Mar 12, 2026

Jack Terrel did an outstanding job refinancing my home mortgage. He is quick, efficient, and always on top of the best deals available in the market. He understands his clients’ priorities, in my case specially securing a zero-cost refinance. He also works very effectively with underwriters and clears any hurdles quickly, which made the entire process seamless. I truly appreciated his professionalism and responsiveness. I would absolutely work with him again and highly recommend him to anyone looking to refinance or secure a mortgage.

Narbeh A.Yelp review · Mar 1, 2026

I have been working with Jack Terrell and his team since I bought my house in 2000. He has always gone above and beyond to help me make the best financial decisions around my home. He helped me to stay in my home at a time when I’d quit a long term career in one field to move into a less lucrative field. He helped me stay in my home through a divorce. He always let me know when it was a good time to refinance and walked me through the process with so much patience and kindness. When complications arose with a terrible property management company in a recent refinance, Jack and Angela dealt with that company directly, saving me a lot of time and aggravation, and got what we needed. Needless to say, I highly recommend working with Jack. He’s not just a great mortgage advisor, he’s a truly good person.

Leila S.Yelp review · Feb 25, 2026

This is the first time I have worked with Jack and AJ from California Mortgage Advisors and it was an absolute pleasure to work with them. I first reached out to Jack after seeing an advertisement flyer in my mailbox. I had not heard of California Mortgage advisors and was a bit hesitant at first. I however did and am so glad about it. Jack is a thorough professional and he responded immediately to my emails and all my queries, even when he was traveling. He advised me on how to structure my mortgage so I could get a lower rate. After we agreed upon and locked down the rate, I was introduced to AJ Ratto who guided me through the entire process. The entire process was very smooth and I was always well informed by AJ on next steps and what to expect. Everything went like clockwork and my loan was funded within a month. I highly recommend Jack, AJ and California Mortgage advisors. Thanks guys.

Sandeep D.Yelp review · Dec 11, 2016

Five-star service! CMA,Inc provided exceptional support throughout my recent refinancing, clearly explained every step of the process, and worked diligently to secure the best possible rate for me.

Theodore IwuagwuRefinance borrower · calmtg.com review · Sep 29, 2026

I’ve worked with a few different mortgage brokers on my home-buying journey this last ~year, and California Mortgage Advisors is by far the best. Jack Terrell and Angela Camacho were easy to work with, knowledgeable, patient, walked me through everything along the way, and most importantly, had the best rate and deal! I highly recommend them to anyone who is buying a home, refinancing, etc. Thanks so much to Jack and Angela, for all of their help.

zrokeach1Purchase borrower · Google review

If you’re looking for an experienced apartment loan broker or multifamily financing expert, I highly recommend Jack Terrell at California Mortgage Advisors. These were sophisticated multifamily financing transactions that required extensive lender knowledge, strategic thinking, and exceptional execution. Jack’s expertise in apartment building loans, multifamily financing, commercial real estate lending, refinancing, and agency and bank loan programs was evident throughout the process. He was proactive, responsive, and consistently found solutions to challenges that could have delayed or jeopardized the transactions. What impressed us most was his ability to navigate complex financing scenarios while keeping us informed every step of the way. His experience, professionalism, and commitment to his clients are truly exceptional. For anyone seeking financing for an apartment building, multifamily property, or commercial real estate investment, we highly recommend Jack Terrell and California Mortgage Advisors. If you want a knowledgeable mortgage broker who delivers results, Jack is the person to call.

CJ RunMultifamily borrower · Google review

I’ve refinanced with California Mortgage Advisors (Jack and Angela) twice and would highly recommend them to anyone looking for a reliable and trustworthy lender. They were incredibly kind, patient, and genuinely cared about making sure I felt confident every step of the way. They kept me informed throughout the entire process, answered all of my questions quickly, and explained everything in a way that was easy to understand which made the process feel smooth and manageable. I always felt like I was in good hands and wouldn’t hesitate to work with them again in the future!

Katie MillerRepeat refinance borrower · Google review

Jack Terrel did an outstanding job refinancing my home mortgage. He is quick, efficient, and always on top of the best deals available in the market. He understands his clients’ priorities, in my case specially securing a zero-cost refinance. He also works very effectively with underwriters and clears any hurdles quickly, which made the entire process seamless. I truly appreciated his professionalism and responsiveness. I would absolutely work with him again and highly recommend him to anyone looking to refinance or secure a mortgage.

Narbeh AghazarianRefinance borrower · Google review

I have been working with Jack Terrell and his team since I bought my house in 2000. He has always gone above and beyond to help me make the best financial decisions around my home. He helped me to stay in my home at a time when I’d quit a long term career in one field to move into a less lucrative field. He helped me stay in my home through a divorce. He always let me know when it was a good time to refinance and walked me through the process with so much patience and kindness. When complications arose with a terrible property management company in a recent refinance, Jack and Angela dealt with that company directly, saving me a lot of time and aggravation, and got what we needed. Needless to say, I highly recommend working with Jack. He’s not just a great mortgage advisor, he’s a truly good person.

Leila SamradPurchase and refinance borrower · Google review

We really enjoyed working with Jack Terrell and his team as our mortage broker. They made it extremely easy as they provided great advice and guidance through the whole process.

Katherine AndrosBorrower · Google review

My husband and I had been thinking about refinancing to free up some money. I contacted a few companies as I wanted to get multiple quotes. One of the companies I contacted was California Mortgage Advisors (CMA) as I had received a mailer from them, so I said ’why not?’ I did some research on the company as I had not heard of them before and I was happy with their reviews and background info. I had the pleasure of working with Jack Terrell of CMA. Mr. Terrell made the whole process as easy as it could be. He was very patient and understanding about my situation and offered to help in multiple ways, providing me options which I greatly appreciated. Not only was he professional, but he was personable as well. Communication was key and Mr. Terrell’s communication was excellent. I would definitely work with Mr. Terrell again and will absolutely refer him to friends and family with home financing needs.

Maria Cecilia RamosRefinance borrower · Google review

I had a great experience working with my mortgage loan advisor from start to finish. They were knowledgeable, responsive, and made the entire loan process smooth and low stress. I highly recommend them to anyone looking for a reliable mortgage advisor.

Emily HearnBorrower · Google review

I have used California Mortgage Advisors multiple times over the years and always feel they stay plugged in to the process every step of the way. Could not recomment more. We are very happy with the support, communications and deal execution. Highly recommended as they take many of the headaches upon themselves and get the mortgage done.

Christopher CartwrightRepeat borrower · Google review

If you’re looking for an experienced apartment loan broker or multifamily financing expert, I highly recommend Jack Terrell at California Mortgage Advisors. Jack recently helped us secure financing for two apartment properties--a 56-unit building and a 54-unit building--with total loan amounts exceeding $12 million. These were sophisticated multifamily financing transactions that required extensive lender knowledge, strategic thinking, and exceptional execution. Jack’s expertise in apartment building loans, multifamily financing, commercial real estate lending, refinancing, and agency and bank loan programs was evident throughout the process. He was proactive, responsive, and consistently found solutions to challenges that could have delayed or jeopardized the transactions. What impressed us most was his ability to navigate complex financing scenarios while keeping us informed every step of the way. His experience, professionalism, and commitment to his clients are truly exceptional. For anyone seeking financing for an apartment building, multifamily property, or commercial real estate investment, we highly recommend Jack Terrell and California Mortgage Advisors. If you want a knowledgeable mortgage broker who delivers results, Jack is the person to call.

Bella L.Yelp review · Jun 17, 2026

In looking for a mortgage broker to help my wife and me purchase our first home, my brother told me, "Stop looking. I have the guy you need". We called Jack Terrell at CMA and couldn’t be happier. Jack, with assistance by Angela Camacho, stripped a daunting process down into easily understood steps. We knew they had our backs. Please do yourself a favor and call Jack at California Mortgage Advisors.

Kirsten B.Yelp review · Mar 12, 2026

Jack Terrel did an outstanding job refinancing my home mortgage. He is quick, efficient, and always on top of the best deals available in the market. He understands his clients’ priorities, in my case specially securing a zero-cost refinance. He also works very effectively with underwriters and clears any hurdles quickly, which made the entire process seamless. I truly appreciated his professionalism and responsiveness. I would absolutely work with him again and highly recommend him to anyone looking to refinance or secure a mortgage.

Narbeh A.Yelp review · Mar 1, 2026

I have been working with Jack Terrell and his team since I bought my house in 2000. He has always gone above and beyond to help me make the best financial decisions around my home. He helped me to stay in my home at a time when I’d quit a long term career in one field to move into a less lucrative field. He helped me stay in my home through a divorce. He always let me know when it was a good time to refinance and walked me through the process with so much patience and kindness. When complications arose with a terrible property management company in a recent refinance, Jack and Angela dealt with that company directly, saving me a lot of time and aggravation, and got what we needed. Needless to say, I highly recommend working with Jack. He’s not just a great mortgage advisor, he’s a truly good person.

Leila S.Yelp review · Feb 25, 2026

This is the first time I have worked with Jack and AJ from California Mortgage Advisors and it was an absolute pleasure to work with them. I first reached out to Jack after seeing an advertisement flyer in my mailbox. I had not heard of California Mortgage advisors and was a bit hesitant at first. I however did and am so glad about it. Jack is a thorough professional and he responded immediately to my emails and all my queries, even when he was traveling. He advised me on how to structure my mortgage so I could get a lower rate. After we agreed upon and locked down the rate, I was introduced to AJ Ratto who guided me through the entire process. The entire process was very smooth and I was always well informed by AJ on next steps and what to expect. Everything went like clockwork and my loan was funded within a month. I highly recommend Jack, AJ and California Mortgage advisors. Thanks guys.

Sandeep D.Yelp review · Dec 11, 2016

Five-star service! CMA,Inc provided exceptional support throughout my recent refinancing, clearly explained every step of the process, and worked diligently to secure the best possible rate for me.

Theodore IwuagwuRefinance borrower · calmtg.com review · Sep 29, 2026

I’ve worked with a few different mortgage brokers on my home-buying journey this last ~year, and California Mortgage Advisors is by far the best. Jack Terrell and Angela Camacho were easy to work with, knowledgeable, patient, walked me through everything along the way, and most importantly, had the best rate and deal! I highly recommend them to anyone who is buying a home, refinancing, etc. Thanks so much to Jack and Angela, for all of their help.

zrokeach1Purchase borrower · Google review

If you’re looking for an experienced apartment loan broker or multifamily financing expert, I highly recommend Jack Terrell at California Mortgage Advisors. These were sophisticated multifamily financing transactions that required extensive lender knowledge, strategic thinking, and exceptional execution. Jack’s expertise in apartment building loans, multifamily financing, commercial real estate lending, refinancing, and agency and bank loan programs was evident throughout the process. He was proactive, responsive, and consistently found solutions to challenges that could have delayed or jeopardized the transactions. What impressed us most was his ability to navigate complex financing scenarios while keeping us informed every step of the way. His experience, professionalism, and commitment to his clients are truly exceptional. For anyone seeking financing for an apartment building, multifamily property, or commercial real estate investment, we highly recommend Jack Terrell and California Mortgage Advisors. If you want a knowledgeable mortgage broker who delivers results, Jack is the person to call.

CJ RunMultifamily borrower · Google review

I’ve refinanced with California Mortgage Advisors (Jack and Angela) twice and would highly recommend them to anyone looking for a reliable and trustworthy lender. They were incredibly kind, patient, and genuinely cared about making sure I felt confident every step of the way. They kept me informed throughout the entire process, answered all of my questions quickly, and explained everything in a way that was easy to understand which made the process feel smooth and manageable. I always felt like I was in good hands and wouldn’t hesitate to work with them again in the future!

Katie MillerRepeat refinance borrower · Google review

Jack Terrel did an outstanding job refinancing my home mortgage. He is quick, efficient, and always on top of the best deals available in the market. He understands his clients’ priorities, in my case specially securing a zero-cost refinance. He also works very effectively with underwriters and clears any hurdles quickly, which made the entire process seamless. I truly appreciated his professionalism and responsiveness. I would absolutely work with him again and highly recommend him to anyone looking to refinance or secure a mortgage.

Narbeh AghazarianRefinance borrower · Google review

I have been working with Jack Terrell and his team since I bought my house in 2000. He has always gone above and beyond to help me make the best financial decisions around my home. He helped me to stay in my home at a time when I’d quit a long term career in one field to move into a less lucrative field. He helped me stay in my home through a divorce. He always let me know when it was a good time to refinance and walked me through the process with so much patience and kindness. When complications arose with a terrible property management company in a recent refinance, Jack and Angela dealt with that company directly, saving me a lot of time and aggravation, and got what we needed. Needless to say, I highly recommend working with Jack. He’s not just a great mortgage advisor, he’s a truly good person.

Leila SamradPurchase and refinance borrower · Google review

We really enjoyed working with Jack Terrell and his team as our mortage broker. They made it extremely easy as they provided great advice and guidance through the whole process.

Katherine AndrosBorrower · Google review

My husband and I had been thinking about refinancing to free up some money. I contacted a few companies as I wanted to get multiple quotes. One of the companies I contacted was California Mortgage Advisors (CMA) as I had received a mailer from them, so I said ’why not?’ I did some research on the company as I had not heard of them before and I was happy with their reviews and background info. I had the pleasure of working with Jack Terrell of CMA. Mr. Terrell made the whole process as easy as it could be. He was very patient and understanding about my situation and offered to help in multiple ways, providing me options which I greatly appreciated. Not only was he professional, but he was personable as well. Communication was key and Mr. Terrell’s communication was excellent. I would definitely work with Mr. Terrell again and will absolutely refer him to friends and family with home financing needs.

Maria Cecilia RamosRefinance borrower · Google review

I had a great experience working with my mortgage loan advisor from start to finish. They were knowledgeable, responsive, and made the entire loan process smooth and low stress. I highly recommend them to anyone looking for a reliable mortgage advisor.

Emily HearnBorrower · Google review

I have used California Mortgage Advisors multiple times over the years and always feel they stay plugged in to the process every step of the way. Could not recomment more. We are very happy with the support, communications and deal execution. Highly recommended as they take many of the headaches upon themselves and get the mortgage done.

Christopher CartwrightRepeat borrower · Google review

If you’re looking for an experienced apartment loan broker or multifamily financing expert, I highly recommend Jack Terrell at California Mortgage Advisors. Jack recently helped us secure financing for two apartment properties--a 56-unit building and a 54-unit building--with total loan amounts exceeding $12 million. These were sophisticated multifamily financing transactions that required extensive lender knowledge, strategic thinking, and exceptional execution. Jack’s expertise in apartment building loans, multifamily financing, commercial real estate lending, refinancing, and agency and bank loan programs was evident throughout the process. He was proactive, responsive, and consistently found solutions to challenges that could have delayed or jeopardized the transactions. What impressed us most was his ability to navigate complex financing scenarios while keeping us informed every step of the way. His experience, professionalism, and commitment to his clients are truly exceptional. For anyone seeking financing for an apartment building, multifamily property, or commercial real estate investment, we highly recommend Jack Terrell and California Mortgage Advisors. If you want a knowledgeable mortgage broker who delivers results, Jack is the person to call.

Bella L.Yelp review · Jun 17, 2026

In looking for a mortgage broker to help my wife and me purchase our first home, my brother told me, "Stop looking. I have the guy you need". We called Jack Terrell at CMA and couldn’t be happier. Jack, with assistance by Angela Camacho, stripped a daunting process down into easily understood steps. We knew they had our backs. Please do yourself a favor and call Jack at California Mortgage Advisors.

Kirsten B.Yelp review · Mar 12, 2026

Jack Terrel did an outstanding job refinancing my home mortgage. He is quick, efficient, and always on top of the best deals available in the market. He understands his clients’ priorities, in my case specially securing a zero-cost refinance. He also works very effectively with underwriters and clears any hurdles quickly, which made the entire process seamless. I truly appreciated his professionalism and responsiveness. I would absolutely work with him again and highly recommend him to anyone looking to refinance or secure a mortgage.

Narbeh A.Yelp review · Mar 1, 2026

I have been working with Jack Terrell and his team since I bought my house in 2000. He has always gone above and beyond to help me make the best financial decisions around my home. He helped me to stay in my home at a time when I’d quit a long term career in one field to move into a less lucrative field. He helped me stay in my home through a divorce. He always let me know when it was a good time to refinance and walked me through the process with so much patience and kindness. When complications arose with a terrible property management company in a recent refinance, Jack and Angela dealt with that company directly, saving me a lot of time and aggravation, and got what we needed. Needless to say, I highly recommend working with Jack. He’s not just a great mortgage advisor, he’s a truly good person.

Leila S.Yelp review · Feb 25, 2026

This is the first time I have worked with Jack and AJ from California Mortgage Advisors and it was an absolute pleasure to work with them. I first reached out to Jack after seeing an advertisement flyer in my mailbox. I had not heard of California Mortgage advisors and was a bit hesitant at first. I however did and am so glad about it. Jack is a thorough professional and he responded immediately to my emails and all my queries, even when he was traveling. He advised me on how to structure my mortgage so I could get a lower rate. After we agreed upon and locked down the rate, I was introduced to AJ Ratto who guided me through the entire process. The entire process was very smooth and I was always well informed by AJ on next steps and what to expect. Everything went like clockwork and my loan was funded within a month. I highly recommend Jack, AJ and California Mortgage advisors. Thanks guys.

Sandeep D.Yelp review · Dec 11, 2016

Five-star service! CMA,Inc provided exceptional support throughout my recent refinancing, clearly explained every step of the process, and worked diligently to secure the best possible rate for me.

Theodore IwuagwuRefinance borrower · calmtg.com review · Sep 29, 2026
Real Estate Financing Questions

Practical answers before you apply for a loan

These cards answer the first questions borrowers ask, from using home equity to financing a rental, and point to licensed professionals where tax, legal or current loan terms matter.

Home Equity

When does a cash out refinance make sense?

It can make sense when replacing higher cost debt with one loan lowers the total cost over time, after closing costs are counted. Compare the full cost of the new loan with what you pay now. Ask a tax professional how a refinance affects your situation.

Equity Options

Cash out refinance or home equity line?

A cash out refinance replaces your current loan, while a home equity line sits alongside it. The right choice depends on your current loan terms and how you plan to use the funds.

Retirement

Is a Reverse Mortgage a Good Idea—and What’s the Catch?

A reverse mortgage lets eligible homeowners draw on home equity while continuing to own and live in the home, with costs and obligations to understand first. Bring family into the conversation early. Ask an estate or tax professional about effects on heirs and benefits.

Investors

How is financing a rental different from a primary home?

Lenders often look at rental income, reserves and down payment differently for an investment property. Gather leases and property records before you apply.

First Homes

What should a first time buyer prepare before applying?

Start with income records, assets and a clear picture of your credit and monthly budget. Talk through options before you start touring homes.

Private Money

When do borrowers look at private money?

Private money can fit when a property or timeline does not suit a standard loan, usually at a higher cost. Weigh the cost against the plan for the property. Ask a legal professional to review private loan terms.

Ready when you are

Not sure which loan option fits? Start there.

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The California Financing Guide

This guide is for borrowers weighing a purchase, a refinance, a reverse mortgage or a loan for a rental. It covers equity, retirement options, investor loans and first purchases.

Compare the full cost, not the payment.
Match the loan to the property and the plan.
Confirm each answer with its source.

Get the California Financing Guide, free, and open it right in your browser.

Ten short sections on the questions to answer before you apply for a loan. No spam, and you can ask Jack a question any time.
About Jack

Plain answers about real estate financing in California

Whether you’re buying a first home, refinancing or financing a rental or multifamily property, a good decision starts with seeing the full picture. Jack Terrell works with first time buyers, refinancing homeowners and real estate investors from the San Rafael office, serving borrowers across California. Jack Terrell is a licensed mortgage loan originator and President and CEO of California Mortgage Advisors, leading the company team. Loan programs include residential, multifamily and commercial loans, reverse mortgages and private money.

Who is Jack Terrell?

Jack Terrell is a San Rafael mortgage professional with California Mortgage Advisors who helps borrowers across California and in the other states Jack Terrell is licensed in compare home financing options. Jack Terrell is a licensed mortgage loan originator, NMLS #103232. Licence records can be checked through NMLS Consumer Access.

Where does Jack Terrell work?

Jack Terrell works from the San Rafael office and serves borrowers across California. Jack Terrell is licensed as a mortgage loan originator in California, Colorado, Florida, Oregon, Texas and Washington, per NMLS records.

What loans does Jack Terrell help with?

Jack Terrell helps with purchase and refinance loans, cash out refinancing, reverse mortgages, and multifamily, commercial and private money financing. Programs and terms depend on the borrower and the property.

Who does Jack Terrell work with?

Jack Terrell works with first time buyers, refinancing homeowners and real estate investors. Each conversation starts with the borrower’s goals and current loan.

Is Jack Terrell a real estate agent?

No. Jack Terrell works on mortgage and home financing, not on buying or selling homes as an agent. Real estate agent services are not offered.

What lender is Jack Terrell with?

Jack Terrell is with California Mortgage Advisors, Inc. in San Rafael. You can reach Jack Terrell by email at jterrell@calmtg.com or by phone at (415) 302-4288.

Stay Informed

Home financing from the San Rafael office

Jack on LinkedIn
A recent picture from Jack Terrell and California Mortgage Advisors
A recent picture from Jack Terrell and California Mortgage Advisors
A recent picture from Jack Terrell and California Mortgage Advisors
A recent picture from Jack Terrell and California Mortgage Advisors
A recent picture from Jack Terrell and California Mortgage Advisors
A recent picture from Jack Terrell and California Mortgage Advisors
A recent picture from Jack Terrell and California Mortgage Advisors
From the blog

Mortgage Insights for Homebuyers, Homeowners & Investors

Nine articles in three groups: Investor and Multifamily Loans, Reverse Mortgages, and Purchase and Refinance. Each one answers a real financing question in plain language and names who confirms the facts.

Working with Jack

What people ask before they get started

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California Mortgage Advisors {{ agentName }}
Call or text, either is fine (415) 302-4288 jterrell@calmtg.com
{{ agentName }}. Licensed in California. NMLS #103232 · NMLS Consumer Access Equal Housing Opportunity © 2026 {{ agentName }} built with a heart by Real Estate Ratings
LICENSING Jack D. Terrell, Jr. NMLS #103232 CA DR # 00992181
California Mortgage Advisors, Inc. CA DRE #01170868 CA DFPI #6054718 NMLS #1825 Florida MBR7935 Idaho MBL-9350 Oregon ML-5429 Washington CL-1825 In the State of Idaho DBA “Idaho Mortgage Advisors” Licensed in Washington, Oregon, Texas, Florida, Colorado, and Idaho.
BBB Accredited Business, A+ rating