# California Mortgage Girl — Full Content Export > Gabriella Godde is a mortgage advisor (NMLS #262012) with 25+ years of lending experience, serving Palmdale, California and the Antelope Valley. She specializes in Conventional, FHA, VA, Jumbo, DSCR, ITIN, and Bank Statement loan solutions for first-time homebuyers, self-employed borrowers, and homeowners refinancing or investing in real estate. Contact: Gaby@californiamortgagegirl.com / 661-713-3460 Address: 2204 W Avenue M-12, Palmdale, CA Business Hours: Mon–Sat 8:00 am–6:00 pm, Sunday Closed NMLS: #262012 --- ## Home — https://californiamortgagegirl.com/ Looking for a Mortgage Broker in Palmdale, California? Gabriella Godde has 25+ years of lending experience, working with first-time homebuyers and complex self-employed entrepreneurs with multiple properties and complex tax returns. Her goal is to provide useful and reliable information so customers can make an informed decision before entering into a real estate transaction. Process: Consultation → Application → Home. 1. Consultation — the team consults with you to determine the best loan options for your financial situation. 2. Application — once the right financing option is identified, submit an online application to begin approval. 3. Home — get approved, secure funding, and move forward. Gabriella Godde is affiliated with Groves Capital Inc., one of the fastest growing mortgage companies in California. --- ## About — https://californiamortgagegirl.com/about/ Gabriella Godde, Mortgage Advisor, NMLS #262012. 661-713-3460. 2204 W Avenue M-12, Palmdale, CA, United States. 25+ years of lending experience, from first-time homebuyers to complex self-employed entrepreneurs with multiple properties and complex tax returns. Goal: provide useful and reliable information so customers can make informed decisions before entering into a real estate transaction. --- ## Contact — https://californiamortgagegirl.com/contact/ Address: 2204 W Avenue M-12, Palmdale, CA, United States Phone: 661-713-3460 Business Hours: Mon–Sat 8:00 am–6:00 pm, Sunday Closed --- ## Purchase Loans (Conventional) — https://californiamortgagegirl.com/purchase-loans/ Conventional mortgages are not guaranteed or insured by the U.S. Federal Government. Most are "conforming," eligible to be sold to Fannie Mae or Freddie Mac, government-sponsored entities that purchase mortgages from lenders and resell them to investors. Some conventional loans are non-conforming, not meeting Fannie Mae/Freddie Mac requirements. Approval criteria vary by lender and applicant. --- ## Mortgage Refinance — https://californiamortgagegirl.com/mortgage-refinance/ A refinance or cash-out replaces an existing mortgage with a new one worth more than the current balance; the difference is paid to the homeowner at closing and can be used for home improvements, debt payoff, etc. Lenders require a home appraisal to determine current value against the balance owed — if home values in the borrower's area (e.g. zip code 93551) have risen since purchase, more may be available to borrow. --- ## FHA Home Loans — https://californiamortgagegirl.com/fha-home-loans/ FHA mortgages are insured by the Federal Housing Administration. Available to buyers with lower credit scores or smaller down payments than conventional or jumbo loans. Popular with younger and first-time homebuyers due to less strict approval requirements. --- ## VA Mortgage Loans — https://californiamortgagegirl.com/va-mortgage-loans/ VA loans are zero-down mortgages offered by the Department of Veterans Affairs to active/retired military members and their families, partially backed/guaranteed by the VA. Can be used to purchase a primary residence. --- ## Jumbo Loans — https://californiamortgagegirl.com/jumbo-loans/ JUMBO loans finance properties too expensive for conventional conforming loans (conventional cap is roughly $647,200). Relevant in Palmdale-area zip codes (e.g. 93551) where average home prices have risen significantly. --- ## Bank Statement Loans — https://californiamortgagegirl.com/bank-statement-loans/ Bank Statement Loans differ from FHA loans: FHA is government-insured and suited to lower credit/low down payment buyers; Bank Statement Loans are typically for self-employed borrowers who want to qualify using bank statements instead of traditional tax-return income documentation. --- ## Self-Employed Home Loans — https://californiamortgagegirl.com/self-employed-home-loans/ Self-employed home loans are for business owners without traditional employment-based income proof. Require more documentation than standard purchase loans but are the best option for borrowers whose income doesn't come through a traditional source. Related to Non-QM loan programs. --- ## DSCR Investment Loans — https://californiamortgagegirl.com/dscr-investment-loans/ Debt Service Coverage Ratio (DSCR) loans are for real estate investors and are a type of Non-QM loan. Unlike standard Non-QM loans (used by self-employed borrowers for personal home purchases), DSCR loans target the investment market and may have less strict qualification requirements based on property cash flow rather than personal income. --- ## Down Payment Assistance — https://californiamortgagegirl.com/down-payment-assistance/ Down payment assistance (DPA) reduces the amount homebuyers need to save, offered via grants or low-interest loans through 2,000+ programs nationwide, typically via state/county/city government programs. Availability and amounts vary by location, including in the Palmdale area. --- ## Reverse Mortgages — https://californiamortgagegirl.com/reverse-mortgages/ Homeowners 62+ can potentially qualify for a Reverse Mortgage, borrowing against home equity without making loan payments. The loan balance becomes payable when the homeowner moves away from or sells the home. --- ## ITIN / Foreign National Loans — https://californiamortgagegirl.com/itin-foreign-national-loans/ ITIN (Individual Tax Identification Number) loans are non-conventional loans for applicants not eligible for a Social Security Number, available to resident and non-resident immigrants, without requiring typical SSN-linked tax documentation. --- ## Buy Before You Sell (Bridge Loans) — https://californiamortgagegirl.com/buy-before-you-sell/ A bridge loan lets homeowners borrow against their existing home to afford the down payment on a new home before selling their current one. Ideal for buyers moving forward on a new purchase who haven't yet sold their current property; typically requires using the existing home or other assets as collateral. --- ## Frequently Asked Questions (from homepage) 1. Can I qualify for a mortgage if I'm self-employed? Yes. Self-employed borrowers can qualify using traditional income documentation or alternative programs like Bank Statement Loans. If tax returns don't reflect actual earnings, a mortgage broker can help identify lenders that evaluate the overall financial picture rather than just W-2 income. 2. What documents are needed for a Bank Statement Loan? Instead of tax returns and pay stubs, Bank Statement Loans use your personal or business bank statements (typically 12–24 months) to verify your income. You'll also generally need a profit & loss statement, proof of self-employment or business ownership, and standard documentation like ID and asset statements. Because every lender's requirements vary, the best next step is a quick consultation to confirm exactly what applies to your situation. 3. When should I refinance my mortgage? It's worth exploring a refinance when home values in your area have risen since your purchase, when your credit has improved, or when you want to access equity for home improvements or debt payoff through a cash-out refinance. A refinance replaces your current mortgage with a new one, and a home appraisal will determine how much equity is available to work with. If you're unsure whether the timing makes sense for you, a quick review of your current loan can tell you. 4. Can first-time homebuyers get help choosing a loan? Yes. First-time buyers often qualify for Conventional, FHA, or down payment assistance programs, and the right fit depends on your credit, income, and how much you have saved for a down payment. Part of the consultation process is walking through each option so you understand the trade-offs before you apply — there's no one-size-fits-all loan for a first purchase. 5. Why should I work with California Mortgage Girl? Gabriella Godde brings 25+ years of lending experience (NMLS #262012), working with everyone from first-time homebuyers to self-employed borrowers with complex tax returns and multiple properties. The goal on every loan is the same: give you clear, reliable information so you can make an informed decision before entering into a real estate transaction — not just get you to sign paperwork. 6. What should I expect during the mortgage application process? The process runs in three steps: a consultation to identify the best loan options for your financial situation, submitting your application to begin the approval process, and closing once your financing is secured. Along the way you'll provide income and asset documentation, and a home appraisal will typically be ordered. Most borrowers can expect ongoing communication at each stage so there are no surprises before closing. --- ## Additional Pages - Calculator: https://californiamortgagegirl.com/calculator/ — Mortgage payment calculator. - Get a Quote: https://californiamortgagegirl.com/get-a-quote/ — Request a mortgage rate quote. - Blog: https://californiamortgagegirl.com/blog/ - Reviews: https://californiamortgagegirl.com/reviews/ - How to Get Pre-Approved for a Mortgage in Antelope Valley: https://californiamortgagegirl.com/how-to-get-pre-approved-mortgage-antelope-valley/ - FHA vs. Conventional Loan: Antelope Valley Guide: https://californiamortgagegirl.com/fha-vs-conventional-loan-antelope-valley-guide/ - Self-Employed Mortgage: Palmdale/Lancaster Guide: https://californiamortgagegirl.com/self-employed-mortgage-palmdale-lancaster-guide/ - Down Payment Assistance: Palmdale/Lancaster Guide: https://californiamortgagegirl.com/down-payment-assistance-palmdale-lancaster-guide/ - Investment Property Loans: Palmdale/Lancaster Guide: https://californiamortgagegirl.com/palmdale-lancaster-investment-property-loans-guide/