First Cal began providing loans to new home buyers in 1977, helping to fund explosive economic growth. In time we launched Headlands Mortgage Company to bring innovative loan programs to mortgage brokers. We expanded the operation across the country and, at one point, made loans in 42 states. The company was sold to a Fortune 100 firm in the mid 1990s. By then, it had earned its stellar reputation by virtue of its lending expertise and by its track record of outstanding service. 

Today’s First Cal continues in that same spirit. Again, we are guided by a commitment to fair pricing and sensible financing for our customers. A company on the move, we insist on employing people who want to help customers meet goals, and who are willing sharpen their skills through ongoing, specialized training. 

Our present organization is by no means merely a replica of the old. Though steeped in a tradition of old fashioned good service, First Cal is alertly in step with the rapidly changing times. Our flexible loan programs and straight talk about mortgage financing add to our legacy with every loan we produce. Resuming the role we took up decades ago, we at First Cal make this promise to customers, partners and colleagues: together we can achieve prosperity.

Banking

Credit

Lending

Real Estate

First Cal

First Cal's headquarters in Petaluma, CA, United States

The San Diego office focuses on retail lending, providing support and sales expertise in loan processing and customer service.

San Diego

Chris Hart

Joe T. Reyes

Chris Gerdel

Carol Ellis

The Loan Officers and Assistants team at First Cal is responsible for guiding new home buyers through the mortgage loan process. They offer expert advice, assess loan applications, and ensure that clients receive fair and sensible financing options. The team works closely with customers to explain flexible loan programs and help them achieve their homeownership goals, all while maintaining First Cal's tradition of outstanding service.

Loan Officers and Assistants

This department manages the administration and support of loan products, ensuring customer satisfaction and regulatory compliance.

Loan Services

This department manages financial operations and sales strategies to drive revenue and ensure fiscal accountability.

Finance and Sales

This department provides legal guidance and support to the organization, ensuring compliance with laws and regulations.

Legal Affairs

This department is responsible for assessing risk and determining policy terms for insurance coverage.

First Cal

Org chart

Teams

Loan Officers and Assistants

Loan Services

Finance and Sales

Legal Affairs

Underwriting Department

Offices

First Cal

Org chart

Teams

Loan Officers and Assistants

Loan Services

Finance and Sales

Legal Affairs

Underwriting Department

Offices

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