Why Choose MCA

Home loans specialize in San Francisco bay area
  • Our rates are reliably low
  • Best advice, more than just a rate quote
  • Personalized customer service
Located on the West Coast of California, the picturesque City of San Francisco includes significant stretches of the Pacific Ocean and San Francisco Bay within its boundaries. A popular tourist destination, San Francisco is known for its cool summers, dense fog, infamous hills (more than 50 hills within city limits), eclectic mix of architecture and famous San Francisco-esque landmarks such as the Golden Gate Bridge, Lombard Street, cable cars, Alcatraz Island, Golden Gate Park, Fisherman’s Warf and its Chinatown district. Read more

Get a Personalized, Real Time Rate Quote Today!

MCA has competitive rates and fees to save your money. Call (800) 974-4434 or get started now!

Buying a home

A mortgage prequalification will give you an idea of how much you can borrow for your new home. We can help you to be prepared and get your prequalification letter today.

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Refinancing a home

Refinancing your mortgage can really save you money. Make informed refinancing decisions with help from MCA today while rates are at historic lows.  

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Get Rates

Our rates are reliably low. We shop other lenders to offer the lowest possible rates and different loan options. Let us match or give you a better rate.

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Home Loans

Best advice, low rates.

At Mortgage Capital Associates (MCA), you’re getting more than just a home loan. You’re getting 30 years of loan experience and friendly, personal service backed by thousands of reviews from happy clients. MCA is a nationwide direct lender and we find the solutions to meet your needs.

Testimonials & Security

  • Overall it went well. The interest rate and fees were low. Occasionally I felt some explanations were needed to be included for some of the requests for financial information. My loan officer did provide an e-mail follow up that eased my mind. I would recommend them to anyone looking for a competitive deal.
    Robert Hafner
  • When shopping for refinancing our condo, MCA stood out because of its rates and fees. Although we found a local mortgage company with comparable rates, their fees were higher. Our agent at MCA was responsive and knowledgeable. We were able to choose our title/escrow company, and provide MCA a list of appraisers of our choice, which further reduced our closing costs. There were a few missing fax documents here and there so some files had to be resent. E-signing will certainly reduce this problem. Overall, our experience with MCA was very positive. Their services will be recommended.
    Scott Dionne
  • Very good experience and paper work is very detail. Get ready to give every paper trail for the transactions. Great interest rate & zero closing cost from lender (actually a credit of $1) put MCA ahead of competition. Borrower needs to be ahead of every detail MCA asks, closed within 3 weeks and procedure was open & clear.
    Arthur Roy
  • Overall the experience with MCA was good. They definitely had the best rates and lowest fees. Communication could have been a fair amount better than it was. Be prepared to talk to multiple people throughout the process. Sometimes misinformation can ofcur…too many cooks in the kitchen. In the end, I closed quickly and without too much stress. I would recommend MCA to my family and/or friends.
    Jennifer Martino
Equal Housing Lender
Norton by VeriSign
Fannie Mae
Freddie Mac
Better Business Bureau