California Mortgage Lender — Find Your Best Rate, Close With Confidence
The Colyer Team helps homebuyers, sellers, and realtors across California with home purchase loans, VA loans, refinancing, and more. 28 years of mortgage lending experience in San Diego County and statewide.
Homebuyer Tools
Everything you need to go from pre-qualification to closing day — whether you're a first-time buyer or refinancing your California home.
Apply Online
Start your mortgage application in minutes. Secure, fast, and easy — available for conventional, FHA, and VA loans.
Start Application →Rate Watch
Track today's California mortgage rates and get alerts when rates drop for purchase or refinance.
Check Rates →Schedule a Call
Book a free consultation with loan officer Mike Colyer to discuss your mortgage options and next steps.
Book a Time →Am I Ready to Buy a Home in California?
- Stable income for the past 2 years
- Credit score of 620 or higher
- Savings for down payment and closing costs
- Debt-to-income ratio under 45%
- Pre-qualification letter in hand
- Clear understanding of your monthly budget
Sellers & FSBO
Resources for California homeowners selling on their own or looking for trusted agent connections.
DIY Sellers California
Tools, guides, and resources for For Sale By Owner sellers in California — sell your home without paying a listing commission.
Visit DIY Sellers →Get Connected With a Realtor
Need professional help selling your home? We'll match you with a trusted local real estate agent in San Diego County or anywhere in California.
Schedule a Call →For Realtors
Partner with The Colyer Team to close more deals and serve your California clients better.
Rate Watch for Clients
Share real-time California mortgage rate updates with your buyers to keep them engaged and informed.
Co-Branded Marketing
Custom flyers, social posts, and open house materials with your brand alongside The Colyer Team.
Partner With Us
Reliable pre-qualifications, fast closes, and communication you can count on for every transaction.
Find a Realtor
Looking for a trusted agent? We connect buyers with top local realtors across California.
Mortgage Blog & Guides
Tips, market updates, and guides for California homebuyers and homeowners.
Understanding Today's Mortgage Rates
A beginner's guide to how California mortgage rates work and what drives them up or down.
First-Time Homebuyer Mistakes to Avoid
The top 5 mistakes first-time buyers make — and how to avoid them when purchasing a California home.
VA Loan Benefits Explained
Why VA loans are one of the best financing options available for veterans buying a home in California.
Meet Your Loan Officer
Mike Colyer
Mortgage Loan Originator · NMLS #276626 · DRE #01842442
The Colyer Team
Michael Colyer is a California mortgage loan officer with 28 years of experience in mortgage lending, real estate, and title. A US Army veteran, Mike is dedicated to helping Californians in Carlsbad, San Diego County, and across the state achieve homeownership through conventional, VA, FHA, and refinance loans.
Get In Touch
Ready to get started on your California mortgage? We'd love to hear from you.