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.

Let’s talk about your mortgage goals.
What Clients Shared About Working With Jack Terrell
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.
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!
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.
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.
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.
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.
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.
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.
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.
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.
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!
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.
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.
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.
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.
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.
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.
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.
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.
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!
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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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Jack will be in touch shortly to talk through your options.
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.
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.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.
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.
What people ask before they get started
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Home financing from the San Rafael office