Who We Are
CNA Equity Group is a locally owned, full-service mortgage brokerage proudly serving Northern and Central California since 2008. As a boutique firm, we combine the personalized attention and responsiveness you’d expect from a small company with the resources and expertise of a larger institution.
Our team of seasoned mortgage professionals partners with over 30 of the most respected and innovative lending platforms in the industry. This expansive network gives us the ability to shop across a wide range of products and lenders, ensuring we secure the most
competitive rates and tailored solutions for every client.
At CNA Equity Group, we understand that every borrower’s situation is unique. Whether you’re a first-time homebuyer, refinancing your current property, or exploring investment opportunities, we take the time to listen, guide, and deliver results that align with your financial goals. Our agility and commitment to excellence set us apart from traditional banks and larger brokerages, making us a trusted partner throughout the mortgage process.
What We Do
At CNA Equity Group, we specialize in guiding clients through both purchase and refinance transactions with expertise and care. Our comprehensive suite of residential and commercial mortgage solutions is designed to meet the needs of a wide range of
borrowers, from first-time homebuyers to seasoned investors.
We proudly offer access to an extensive portfolio of loan products, including FHA, VA, Conventional, Jumbo, and Non-QM (non-qualified mortgage) options. This versatility allows us to craft customized financing solutions that accommodate diverse financial situations, whether you’re seeking flexible credit guidelines, alternative income documentation, or competitive rates for high-value properties.
By leveraging our strong lender relationships and deep market knowledge, we simplify the lending process and empower our clients to achieve their homeownership and investment goals with confidence.
Do I Qualify?
Mortgage qualification largely depends on your ability to manage debt responsibly, measured by your debt-to-income (DTI) ratio. Typically, lenders look for a DTI ratio around 43% to 49%.
- This means that no more than 43% of your gross monthly income (before taxes) should be allocated toward your new mortgage payment.
- Additionally, your total monthly debt—including your mortgage, car loans, credit cards, and other obligations—should not exceed approximately 49% of your gross monthly income.
Certain loan programs, like VA and FHA loans, can allow for higher debt ratios on a caseby-case basis, offering greater flexibility to qualified borrowers.
Understanding these guidelines can help you prepare and position yourself for mortgage approval. Our team is here to review your individual situation and guide you toward the best financing options available.
