A Direct Lender
At California Mortgage Direct, we provide California residents with direct access to home loans—no unnecessary layers, no corporate handoffs. We’re powered by American Mortgage Network, a national independent mortgage bank, which means your financing comes directly from the source.
Led by Joseph S. Restivo, a Mortgage Industry Leader
With over 25 years of experience, Joseph has been recognized as one of the nation’s top mortgage executives and originators. As the CEO of American Mortgage Network, he personally oversees and originates loans for California borrowers who demand white-glove service and executive-level attention.
When you apply with California Mortgage Direct, you’re not working with a junior processor or outsourced team—you’re working directly with the CEO.
Purchase New House
Buy your California dream home with confidence. Get expert guidance, low down payment options, and fast pre-approvals — all while working directly with the CEO.
- 3%–5% down payment options available
- Work directly with Joseph S. Restivo, CEO & Sr. MLO
- Fast pre-approval so you can shop with confidence
- Personalized strategy for first-time & repeat buyers
Get Pre Approved
Shop smarter with a same-day pre-approval from the CEO. Know exactly what you qualify for before you make an offer — no guesswork, no pressure, no call center.
- Same-day pre-approval available
- Reviewed personally by Joseph S. Restivo, CEO
- Helps you compete in California’s fast-moving markets
- No upfront fees, no obligation to proceed
Refinancing Your Home
Lower your rate, consolidate debt, or tap into equity — fast. Work directly with Joseph S. Restivo, CEO of American Mortgage Network, to build a refinance plan that saves you money.
- Lower your monthly payment or pay off faster
- Cash-out options available to eliminate credit card debt
- Streamlined process with CEO-level support
- No hidden fees, no call center — just results
VA Home Loans
Zero down. No PMI. Built for veterans and military families. Secure your VA loan in California with expert guidance and personal service — direct from the CEO.
- 0% down payment required — even in high-cost counties
- No private mortgage insurance (PMI) ever
- Special refinance options: IRRRL & VA Cash-Out
- Personally originated by Joseph S. Restivo, CEO & VA Loan Specialist
Conventional Loans
Flexible, affordable financing for qualified buyers. Whether you're buying or refinancing, get competitive rates and expert guidance — straight from the CEO.
- 3% down options for first-time buyers
- Cancel PMI early with 20% equity
- Great for primary, second homes & investment properties
- Personalized strategy from Joseph S. Restivo, CEO & Sr. MLO
FHA Loans
Low down payment. Flexible credit. First-time buyer friendly. Get approved with just 3.5% down and work directly with the CEO for personalized support and faster closings.
- Only 3.5% down payment required
- Flexible credit and income guidelines
- Gift funds allowed for down payment and closing costs
- Hands-on guidance from Joseph S. Restivo, CEO & FHA Loan Expert
Home Equity
Turn your home’s value into cash — without refinancing your first mortgage. Access fixed-rate financing for big goals, debt payoff, or renovations — with direct support from the CEO.
- Tap into your home’s equity without affecting your low-rate mortgage
- Fixed interest rates and predictable payments
- Great for home upgrades, debt consolidation, or major expenses
- Work directly with Joseph S. Restivo, CEO & Senior Loan Originator
Renovation House
Buy it and fix it — with one loan. Finance your home purchase and renovation costs together, with expert guidance from the CEO of a national mortgage lender.
- FHA 203(k), Homestyle, and VA Renovation loan options
- One loan covers purchase + renovation costs
- Ideal for fixer-uppers and outdated homes
- Personalized strategy from Joseph S. Restivo, CEO
Refinance Advisor
Not sure which refinance option is right for you? Let the CEO guide you. Get a personalized refinance strategy based on your goals — lower your payment, cash out equity, or consolidate debt.
- Compare rate-and-term, cash-out, and streamline options
- Get a free savings analysis from Joseph S. Restivo, CEO
- Eliminate high-interest debt or reduce your loan term
- Transparent guidance with no call center — ever
🔄 HELOCs (Home Equity Line of Credit)
Access cash when you need it — only pay for what you use. Use your home's equity like a credit line for renovations, investments, or emergencies — with expert support from the CEO.
- Flexible revolving line of credit based on your home equity
- Only pay interest on what you borrow
- Great for renovations, tuition, or backup liquidity
- Guided by Joseph S. Restivo, CEO & Home Equity Expert
🧾 Non-QM Loans
Outside-the-box financing for self-employed and unique borrowers. No tax returns? No W-2s? No problem. We offer flexible loan options for real-world income scenarios — with CEO-level support.
- Bank statement, 1099, and asset-based loan programs
- Ideal for business owners, investors, and gig workers
- DSCR loans for rental property purchases
- Personally structured by Joseph S. Restivo, CEO & Non-QM Lending Expert
🔁 Reverse Mortgages
Turn your home equity into tax-free cash — without monthly mortgage payments. If you’re 62 or older, a reverse mortgage can help you retire with more freedom and less financial stress.
- Stay in your home and eliminate monthly mortgage payments
- Access cash for retirement, healthcare, or expenses
- FHA-insured HECM reverse mortgages available
- Personally guided by Joseph S. Restivo, CEO & Reverse Mortgage Advisor
Why Should You Choose Us?
Benefits: Speak to the decision-maker, not a sales rep | Serve every city and county in California | Backed by a national direct lender | Trusted expertise in all market conditions | Real answers, no hidden fees or surprises | Fully licensed, secure, and regulated
- 💼 Direct access to the CEO
- 🏛️ Powered by American Mortgage Network
- 💬 Transparent Process
- 🌐 100% California-Focused
- 📈 25+ Years of Experience
- 🛡️ Trusted Compliance
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Best Mortgage Companies Since 2002
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Joseph S. RestivoPresident & CEO
We’re with You at Every Step — CEO-Level Guidance Included
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Connect with the CEO
Your journey starts with direct access to Joseph S. Restivo, President & CEO of American Mortgage Network. No assistants. No salespeople. Just real, personal guidance from a mortgage executive who’s helped thousands of California buyers succeed.
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Get Clarity & Pre-Approval
We begin with a same-day pre-approval — giving you a clear budget and a competitive edge. You’ll get verified financing details backed by Joseph himself — no guesswork, no surprises.
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Choose the Right Loan for You
From FHA, VA, and Conventional, to Jumbo, USDA, or Non‑QM — we help you select the best program based on your credit, income, and home goals.
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Shop Confidently in California’s Market
With fast financing in hand, you can make offers knowing you’re a serious buyer — whether in L.A., San Diego, Bay Area, Central Valley, or beyond.
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Complete with CEO-Level Coordination
Joseph personally oversees your mortgage timeline and documentation — appraisals, inspections, underwriting and closing — so you can stay focused on your move.
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Close Smoothly & Secure Your Future
Enjoy the satisfaction of signing on your new home with confidence. No gatekeepers. No call centers. Real results from real expertise.
A Mortgage Experience Backed by Leadership, Not Layers
At California Mortgage Direct, you’re not passed off to a junior loan officer, a processor in another state, or a call center. You work directly with Joseph S. Restivo, one of the nation’s top mortgage executives and the current President & CEO of American Mortgage Network — a nationally licensed direct lender. We don’t just talk about transparency, speed, and service. We deliver it—personally.
Refinancing Your Home No Doubt About Anything
No Doubt. No Confusion. Just Real Savings. When it comes to refinancing, clarity is everything. Joseph S. Restivo, CEO of American Mortgage Network, personally walks you through every option — so you know exactly what you’re getting.
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Delivering A Great Customer Experience
Every Loan. Every Client. Every Time. We don’t believe in call centers or corporate handoffs. When you work with us, you’re working directly with the CEO — and that means white-glove service from start to finish.
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Trusted Home Financing Experts
Proven. Professional. Personally Invested. With over 25 years in the mortgage industry, Joseph S. Restivo leads every loan with integrity, precision, and real expertise — because you deserve more than a loan officer. You deserve a trusted advisor.
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Realtor Giving Keys To The Happy New Owner
We Help You Create Moments That Matter. Behind every set of keys is a lender who made it possible. We work closely with Realtors to make sure your clients close on time — and walk into their new home with smiles, not stress.
READ MOREGet Mortgage Quote
No call centers. No pressure. Just real numbers — personally reviewed by Joseph S. Restivo, CEO of American Mortgage Network.
Get A Quote
Among Them We’re
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How fast can I get pre-approved?
Most borrowers receive same-day pre-approvals. Once we have your basic documentation (income, assets, credit authorization), Joseph personally reviews your file and delivers a verified pre-approval — often within hours.
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Can I buy a home with less than 20% down?
Absolutely. Many of our buyers purchase with as little as 3% to 5% down using FHA or Conventional loan programs. VA and USDA loans offer 0% down for qualified borrowers.
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What areas of California do you serve?
We are licensed and active in all 58 counties in California, including Los Angeles, San Diego, Riverside, Orange County, Sacramento, San Francisco, and the Central Valley. Whether you’re buying in the city or the suburbs — we’ve got you covered.
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What’s the difference between you and a mortgage broker?
We are a direct lender,. That means we process, underwrite, and fund your loan in-house — no third-party middlemen. You get faster closings, more control, and CEO-level accountability.
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How long does it take to close a loan?
Most of our loans close in 21 days or less, depending on your file readiness and the transaction. Because we handle everything in-house and the CEO oversees the file directly, there’s less back-and-forth and more results.
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Do I really work directly with the CEO?
Yes. When you choose California Mortgage Direct, you’ll work one-on-one with Joseph S. Restivo, President & CEO of American Mortgage Network. He personally reviews and guides every loan file — no middlemen, no call center staff.
People Are Saying
Melissa R
Sacramento, CA“Working with Joseph was a game-changer. I never thought I’d be talking directly to the CEO of a mortgage company—and he treated me like I was his only client. That’s service you don’t find anywhere else.”
Danny M
San Diego, CA“Fast, transparent, and professional. California Mortgage Direct made buying my first home easier than I ever expected.”
Carlos D
Los Angeles, CA“I was drowning in credit card debt—paying over $8,000 a month just to stay afloat. I reached out to Joseph through California Mortgage Direct, and within weeks, he structured a refinance that consolidated my debt and completely changed my financial life. Not only did he save me thousands each month, but I also got to work directly with the CEO of a national lender. That kind of access and expertise is rare. I’m finally breathing again.”
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