Raul Camaligan is a New Jersey native who transplanted to Southern California on October 1993 immediately after he graduated from Rutgers University with a Bachelor of Science in Business Management. He was a student athlete playing Varsity Baseball at Division 1 FDU and then as a 2 time Captain at Rutgers University in North NJ. He entered the mortgage business on February 1997 and has helped hundreds of families fund their purchase, refinance, renovation, construction, home equity, investment, down payment assistance and commercial loans. He still passionately closes loans as the only select very few of direct lenders in America with wholesale rates as a hybrid banker/broker. And what that means to consumers is that on average, he is increasing the purchasing power of buyers by $50k to 100k vs other retail lenders with marked up rates and margins making InstaMortgage the Amazon Prime of Mortgages at www.RaulCamaligan.com and 323-228-2663

National Director of Recruiting/Senior MLO NMLS#317770

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Apply With Raul: We have 100% Financing Programs on 1-4 Unit Owner-Occupied Properties Nationwide! Apply Here, Upload Loan Documents safely and securely, Compute Payments, Get Pre-approved!

Your Credit Report-Xactus Credit with Unlimited automated Pre-Approvals

AXEN Heloc can fund in as fast as 24 hours! Allowed is Asset utilization as a form of income! We allow for our HELOC to go in 3rd position! We also have a a No Income No Employment HELOC as a 1st ever! Please apply for our Fixed Home Equity Line of Credit Program & Pay Off Debt, Do Home Renovations, Buy Investment Property, and more! Leverage Your 0% Rate of Return Equity and Accelerate Your Wealth!

Join NEXAMortgage, The #1 Mortgage Broker/Platform in America!

No Money Down LLC & Nexa Mortgage, #1 Mortgage Broker in America presents the #1 Unsecured Funding Programs for Personal and/or Business Use! Please Apply Here for Raul Camaligan's No Money Down LLC application link where a soft pull (no hard inquiry) must be taken:

To sign up and earn as an affiliate partnered with Raul and No Money Down LLC for the Personal Unsecured Line of Credit, please click here.  Make additional money and you'll have your own referral link!

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Business Lines of Credit up to $1Million. Please apply at the link below then email Raul Camaligan, NMLS License # 317770 at Rcamaligan@nexamortgage.com to alert Raul that you applied. There is no hard pull on your credit as it is a soft pull only. Please make sure you email with your name and contact phone # on the subject line.

TEST DRIVE The Best Loan Officer Support Website HERE:

DPA for GSFA (Golden State Finance Agency) -Daily Rates

DPA- Daily Rates for CalHFA

DPA- CHENOA: High Five for 5% Down Payment Assistance!

Neighborhood Partnership Housing Services (NPHS) CIT Cal home program:  Available in Riverside County and in select Opportunity Zones of San Bernardino County only.  

DPA-Greenline Housing Foundation: Available in Anywhere in California, CA. No 2nd lien docs as this is a grant. Can be used for down payment and closing cost. Grant/Gift funds will be wired to escrow. The grant will be either 5% or 10% of an applicant's preapproved amount, determined by and predicated on the availability of funds in the program at the time of award. 

Habitat LA Downpayment Assistance Program-Get up to $100,000 in down payment assistance to purchase your FIRST home!

Low income & Moderate Income Purchase Assistance (LIPA & MIPA): We provide a loan of up to $115,000 for down payment, closing costs, and acquisition.  Up to $115,000 will be available for homebuyers earning between 81-120% Area Median Income (AMI) and up to $90,000 will be available for homebuyers earning between 121%-150% AMI

LA COUNTY Home Ownership Program HOP120: The LACDA’s HOP80 and HOP120 Home Ownership Programs provide a second mortgage loan for first-time homebuyers.  HOP80 offers assistance up to $100,000, or 20% of the purchase price, whichever is less. HOP120 offers assistance up to $85,000, or 20% of the purchase price, whichever is less.  The loan provides down payment and/or closing assistance and is secured with a Deed of Trust and Promissory Note.

Up to $100K IN DownPayment Assistance: Building Equitable Communities Serving San Bernardino, Riverside and Eastern Los Angeles Counties

City of Norwalk Calhome First Time Homebuyer Program: The maximum CalHome loan amount will be 40 percent of the Borrower’s purchase price for the property, or up to a maximum of $200,000.

Up to $100,000 for the City of Pomona First Time Homebuyer Mortgage Assistance Program

Up to 100K IN DownPayment Assistance! Riverside County ARPA First Time Homebuyer Program

Up to 75K in DPA! Riverside County HOME First Time Homebuyers Program

Riverside County PLHA FTHB with up to 100k IN DownPayment Assistance! 

Riverside County Oasis Mobile Home Park Housing Opportunity Program (OHOP)

Up to 120K in DPA from the City of Santa Ana My First Home Down Payment

City of Azusa CalHome First Time Homebuyer Program-40% of the purchase price  or up to a maximum of  $200,000!

Up to $100K in DownPayment Assistance for City of Bell Gardens CalHome First Time Homebuyer Program

Up to $150K in Down Payment Asssitance in the City of Lancaster First Time Homebuyer Program

NMLS Consumer Access Link 

Up to $50,000 in Down-Payment Assistance -Turlock First Time Home Buyer Program

City of Watsonville HOME First Time Homebuyer Program-25% of the purchase price plus closing costs

Sonoma County Burbank Housing Development Corporation Non-profit CalHome FTHB Downpayment Assistance Loan Program-Max 40% down up to $100,000

Up to $50,000 Down-Payment Assistance- Sacramento Housing and Redevelopment Agency SHRA PLHA First Time Homebuyers Mortgage Assistance Program

Up to $75,000 in Down-Payment Assistance-City of Santa Rosa Down Payment Assistance Loan Program (DPAL)

Down-Payment Assistance of up to 10% of the Purchase Price-Santa Clara County Housing Trust Silicon Valley a non-profit Homebuyer Empowerment Loan Program (HELP)

Up to 30% of purchase price for Down-Payment Assistance-Santa Clara County Housing Trust Silicon Valley Empower Homebuyers (Empower)

San Diego Down-payment Assistance Up to 22% of the Purchase Price or Appraised value, whichever is less:  Housing Commission (SDHC) First Time Home Buyer Program  Low Income

$25,000 Grant from The City of Long Beach First-Time Homebuyer Assistance Program 

Raul P Camaligan

Raul Camaligan