About Paul Cawthorne

As a licensed Homebridge Mortgage Loan Originator in California (NMLS #249035), Paul Cawthorne can assist you with your home loan needs, including:

  • First-Time Purchase
  • Second-Home Purchase
  • Refinance
  • FHA and VA
  • Conventional
  • 203(k) Renovation
  • Jumbo

Paul welcomes the opportunity to serve your needs with quick and accurate real estate financing advice. Paul has the expertise and knowledge, and will make sure you understand the features associated with the loan program you choose and that it meets your unique financial situation.

Contact Paul Cawthorne Anytime

Feel free to contact Paul anytime by phone or email for personalized service and expert advice. Paul Cawthorne will extend the same professional service to your friends, family members, work colleagues or neighbors who need help.

Paul Cawthorne is 203(k) Renovation Lending Certified

Paul is certified in 203(k) Renovation Lending, a program particularly well suited for buyers of fixer-uppers and REOs in need of repair. Homebuyers can finance both the purchase and future repairs on their new home with one loan.

The Renovation Loan offers some great features. The amount of money you are permitted to borrow for the purchase and renovations is based on the increased value of your home after improvements are made1. Also, because renovation costs are spread throughout the entire term of the loan, monthly payments are often lower than other financing options. With the loan, there is also no need to delay improvements. You can start in immediately after closing. Another great feature is the loan's simplicity - one application, one set of fees and closing costs, one closing to attend and one payment each month. The interest on the cost of your improvements, included in your mortgage, may be tax deductible2 as well.

Paul Cawthorne values your business and will provide you with the best professional service and mortgage solutions that make most sense for you and your unique financial situation and real estate goals.

Please contact Paul by phone, email or filling out the pre-approval form on the right to get more information about our Renovation Loan, or any other mortgage financing solution. I look forward to working with you!

1For 203k purchase transactions the maximum loan amount is the lesser of the sales price + renovation costs or 110% of the as-completed value, times the maximum loan-to-value. For refinance transactions the maximum loan amount is the lesser of the property value before renovation + renovation costs or 110% of the as-completed value, times the maximum loan-to-value. Loan amount must be within FHA county loan limits.

For HomeStyle® purchase transactions the maximum loan amount is based on the lesser of the sales price + renovation costs or 100% of the as-completed value, times the maximum loan-to-value allowable. For refinance transactions the maximum loan amount is based on the lesser of 1) 100% of the as-completed value times the maximum loan-to-value or 2) the balance on the existing loan plus the renovation cost plus the settlement costs. The maximum repair amount is limited to 50% of the as-completed value. HomeStyle® is a registered trademark of Fannie Mae.

2Please consult a tax advisor for further information regarding the deductibility of interest and charges.
For your home improvement needs, visit Service Finance Company, LLC to find a trusted local contractor.

Homebridge may receive compensation for referring you to Service Finance Company, LLC.

What Our Customers Say About Me

Donna G. December 2018
“Great service and loan agent and office personnel.”
Jhennick V. October 2018
“Ease of application. Excellent communication and prompt responses to questions/ concerns.”
Anthony C. October 2018
“We love Paul Cawthorne! He was patient, thorough, communicative and diligent. He consistently went beyond our expectation to make sure we had questions answered.”
Kristy T. April 2018
“Paul was so helpful from the beginning to the end. He answered all of my questions and was very informative.”
Rollin P. March 2018
“Very responsive. Answered questions during the entire process. Also, good sense of humor.”
Rebecca C. March 2018
“Great service from Paul!”
Todd G. March 2018
“Prompt, timely, professional. Paul Cawthorne.”
Jason Z. October 2017
“Ease in getting approved.”
Halder L. Lancaster, CA
“We were very impressed with our Loan Officer, Paul Cawthorne. As first time homebuyers he made the process much easier than we had anticipated. Paul was always just a phone call or an email away. He answered questions that we didn't even know to ask. He was very thorough and explained the entire process completely, step by step to our understanding. He made us feel like a priority (as if we were the only client/concern) and not just a number. We would/will refer him to our family, friends and those we know seeking a loan.”
Eugene S. Sherman Oaks, CA
“We changed lenders during escrow so it was imperative to move quickly on the loan to make sure there were no delays. Paul and his team got the loan approved on-time and did a great job keeping me up to date throughout the process.”
Daniel F. Dana Point, CA
“Paul was able to come through on multiple occasions and overcame setbacks (outside of his control) to still make a pretty aggressive closing date. He also spent a lot of time explaining the whole process to me along the way; his communication was stellar!! Being a first time homebuyer myself, I truly appreciated his knack for explaining the loan process in a relatable manner.”
Ruwan S. Encino, CA
“Paul was very thorough and helpful at explaining all our options throughout the loan process. He was easy to reach and communicate with.”
Tamar A. Los Angeles, CA
“Paul went above and beyond the call of duty in communicating closely with the borrowers and all the other involved parties, and did his utmost to make sure this deal closed smoothly. He 's always a very reliable and professional partner to work with.”
Nicole A. Lancaster, CA
“Paul Cawthorne is an exceptional Loan Officer. He made himself available to me at all hours, which is significant given he is located in a different city. He gave me honest feedback and did everything in his power to work with me through challenges. He also has an excellent demeanor and provides stellar customer service, which are very rare attributes nowadays. I do not believe I could've found a better person to work with through this exciting and nerve-wrecking time of purchasing a home, a short-sale one at that. He will always be the first person I think of when someone needs a mortgage loan referral. Thanks for being you, Paul!”
Doug W. Glendale, CA
“Paul Cawthorne is quite simply the best Loan Officer we have worked with in our 10 years in the business. His customer service and aggressive representation of our clients is unparalleled. He is a wealth of information and always knows the quickest and best methods to achieve the loan needs and financial goals of our clients. He is always available and has always responded to our calls within minutes. I'”
Raquel B. Los Angeles, CA
“Paul Cawthorne was excellent. He took us through the loan process step-by-step and made us feel aware and comfortable the entire time. He had a lot of patience with all our questions and was always there when we needed. We will absolutely recommend him to anyone we know in the future. Thank you.”
Mario G. Reseda, CA
“Listened to me and treated me like I mattered. Continue to be yourselves.”
Angela S. Los Angeles, CA
“He was extremely patient, available to the buyer at all times, and very thorough in his explanations and process. I had frequent communication and updates so I never wondered what was happening. His positive attitude and easy to talk to approach made all the difference.”
Elizabeth L. Los Angeles, CA
“Communicative, educated and was present! Paul is my trusted lender!”
Victoria E. Lancaster, CA
“Closed early. Answered all my calls and responded when I emailed. Paul did a great job!”

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