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Welcome to California First Mortgage

We were founded in 1998 by Jim Wikey, the owner and Senior Loan Consultant. Over his 35 years in the business Jim has originated thousands of home loans. He’s a consummate loan professional, and takes pride in making your experience easy, transparent, and friendly. And we’re fast. Most of our loans close in 20 days or less.
We’re also proud of our very low interest rates and low costs. We’re connected to those wholesale lenders who consistently offer the most competitive rates. And our intuitive online technology is on a par with any of the largest banks or internet companies in the nation, making your loan application a fast and easy experience.

Please check out our low rates.

Our lower rates/fees can save you thousands of dollars.  If you’re shopping and have a quote from another company, please email or call me.  Let’s see how much money we can save you.


up to $510,400


2.50% / 2.66% APR


2.12% / 2.41% APR

Super Conforming

up to $765,600


2.50% / 2.68% APR


2.125% / 2.44% APR


up to $2 million


3.88% | 4.01% APR

Low Down

low 5% down payment


2.70% / 2.87% APR

Rates current as of 12/17/2019

Finding the right home loan involves careful consideration of your current needs, finances and history to help you choose the right home loan. We are here to guide you.

Step One

Begin the loan process today by filling out our loan questionnaire.  Our no obligation form gives our team some basic information to start our loan advising process with you. We look forward to speaking with you!

Client Reviews

We have worked with Jim Wikey a few times over the years and he has always exceeded our expectations.  Last…

Amy L., Concord
Rating: 5

Twenty years ago we were looking into refinancing our house in the San Francisco East Bay.  I made an online…

Stan K, Carmel
Rating: 5

When my husband and I are interested in refinancing, we always contact Jim Wikey. After we check the different bank and…

Nancy T., Chico
Rating: 5

I cannot praise Jim Wikey with California First Mortgage enough for expertly guiding me through the refinancing process. Jim was…

Scott B., Chico
Rating: 5

Jim Wikey, with California First Mortgage, has helped us with several mortgage loans over the years. Jim has been extremely…

Robert R., Chico 
Rating: 5

It is a privilege to recommend Jim Wikey for your mortgage/refinance needs. Jim has helped me on numerous transactions over the…

Renee W., Livermore
Rating: 5

My experience with Jim spans approximately 30 years with multiple loans and refinancing of my homes. During that span, I…

Rob C., Pinole I
Rating: 5

I have had the opportunity to work with Jim Wikey on three separate occasions, ( once to purchase a home…

Roland H., Chico
Rating: 5
What is important to us?

Excellent Reviews

Customer satisfaction is of utmost importance to us. This is reflected in our client reviews.

Customer Service

Our years of experience give us the knowledge to provide you with the service you deserve.


Communication is key to a successful working relationship, we keep you informed every step of the way.

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