THE CA LENDING GROUP

    Your home journey,
    guided by people who care

    Personalized mortgage guidance backed by institutional-grade technology. Every detail handled. Every option explored. Every closing on time.

    Apply NowSchedule a Call
    NMLS #2373412+ Years ExperienceLicensed Nationwide
    155+
    Loans Closed
    2+
    Years in Business
    5.0
    Average Client Rating
    Our Team

    Meet the experts

    Our experienced mortgage professionals are here to guide you home.

    Carrie Andrade

    Loan Officer

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    Catherine Novas

    Loan Officer

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    Liz Rivera

    Loan Officer

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    Loan Programs

    Every option. Your best fit.

    ◆
    Conventional
    Traditional financing with competitive rates. As little as 3% down for qualified buyers. Conforming and jumbo options available.
    ◆
    FHA
    Government-backed loans with flexible credit requirements. 3.5% down payment. Ideal for first-time homebuyers building their foundation.
    ◆
    VA
    Zero down payment for eligible veterans and active military. No monthly mortgage insurance. The benefit you've earned.
    ◆
    Jumbo
    High-balance loans for premium properties. Competitive rates on loan amounts above conforming limits. Tailored structuring.
    ◆
    Renovation
    Finance the purchase and renovation in a single loan. FHA 203(k) and conventional options. Turn potential into your perfect home.
    ◆
    Non-QM
    Bank statement, DSCR, and asset-based programs for self-employed borrowers and investors. Creative solutions for complex scenarios.
    Available 24/7

    Meet Sophia,
    your mortgage guide

    Get instant answers, explore loan options, estimate payments, and start your pre-approval — any time, day or night. Sophia is backed by our team's expertise and AFN's full lending platform. When you're ready, a loan officer steps in personally.

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    Estimate monthly payments based on your actual scenario
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    Explore loan programs matched to your situation
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    Get pre-approved without waiting for a callback
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    Check local market conditions and neighborhood data
    S
    Sophia
    Backed by American Financial Network · NMLS #237341
    Hi, I'm Sophia — your branch's mortgage assistant. I can help you explore options, estimate payments, or get pre-approved. What's on your mind?
    What can I afford on $120K income?
    Based on $120K annual income, you could qualify for roughly $480K–$540K depending on debts, down payment, and rate. Want me to run a detailed scenario?
    Client Experiences

    Trusted by 148 families & counting

    ★★★★★5.0148 verified reviews
    "
    Great service. Very knowledgeable. Carrie guided me through the process.
    Josver Neptali R.
    Katy, TX · via Carrie Andrade
    September 2026
    "
    I had the pleasure of working with Liz Rivera on a recent transaction, and I can honestly say she is an exceptional lender and an absolute pleasure to work with. As a Realtor, communication is one of the most important things I look for in a lending partner, and Liz truly exceeded my expectations. She was always available, kept everyone informed throughout the entire process, and whenever something came up, she was already working on a solution. This was genuinely one of the smoothest and easiest transactions I’ve had. I never had to worry about what was happening with the loan because Liz was always one step ahead and kept the communication flowing from beginning to end. Having the right lender can make such a huge difference in a real estate transaction, not only for the client but for everyone involved. Liz is professional, knowledgeable, reliable, and truly cares about getting her clients to the closing table. I would absolutely recommend Liz Rivera to any buyer or Realtor looking for a lender they can trust. I’m grateful to have her as a lending partner and look forward to many more successful closings together!
    Lia M.
    via Liz Rivera
    August 2026
    "
    Excellent service; thanks to Carrie, the process was completed very quickly. I will work with her again.
    Daniel Z.
    Fulshear, TX · via Carrie Andrade
    August 2026
    “
    She is awesome! A go getter. Great communication and very knowledgeable
    Victor M.
    via Liz Rivera
    August 2026
    “
    Carrie demonstrated her experience, knowledge and willingness to walk the extra mile. She made the home purchasing process smooth, quick and efficient. Thank you so much for taking good care of myself not only as a client, but also as a human being.
    Edith Diana C.
    Katy, TX · via Carrie Andrade
    July 2026
    “
    Liz fue increíble durante todo el proceso. ?? Desde el principio fue muy profesional, paciente y siempre estuvo disponible para responder mis preguntas y explicarme cada detalle. Me hizo sentir acompañada y segura en un proceso que para mí era muy importante. Gracias a su dedicación, apoyo y compromiso, hoy puedo decir que cumplí uno de mis grandes sueños: tener mi propia casa. ???? Estoy muy agradecida por todo lo que hizo por mí y definitivamente recomiendo a Liz a cualquier persona que esté buscando comprar una casa. ¡Gracias por ayudarme a hacer este sueño realidad! ??????
    Sofia Jaquelin A.
    Houston, TX · via Liz Rivera
    August 2026
    “
    Por un momento pensé que no lo lograría, Carrie lo hizo posible
    Gianni Javier B.
    Cypress, TX · via Carrie Andrade
    July 2026
    “
    Liz is very kind and helpful; she always treated me with respect and kindness and made the process easier for me. I am satisfied with her help.
    Jose Daniel O.
    Spring, TX · via Liz Rivera
    February 2026
    “
    Una Agradable experiencia en todo el proceso
    Jose De Jesus L.
    Fulshear, TX · via Carrie Andrade
    June 2026
    “
    muy profesional en todo y una persona muy amable 10/10 ??
    Marco Tulio B.
    Houston, TX · via Liz Rivera
    September 2025
    “
    Reconozco su capacidad y profesionalismo para dar un seguimiento puntual en el proceso, esto reduce el tiempo y lo hace muy sencillo. Muchas gracias!
    Victor Manuel R.
    Fulshear, TX · via Carrie Andrade
    May 2026
    “
    liz help us in everything that we need in our next purchase we will contact her
    Gerson Alexander A.
    Princeton, TX · via Liz Rivera
    June 2025
    “
    Son los mejores súper recomendados Carrie Andrade muchas gracias por todo ?????????????
    Ligia C.
    via Carrie Andrade
    May 2026
    “
    Quite professional whenever I had a concern or question they were there to respond immediately highly recommended their services..
    Reina Isabel O.
    Houston, TX · via Liz Rivera
    April 2025
    “
    Son los mejores súper recomendados Carrie Andrade muchas gracias por todo ????????????? (Translated by Google) They are the best, highly recommended! Carrie Andrade, thank you so much for everything ?????????????
    Ligia Cortez
    via Carrie Andrade
    April 2026
    “
    The support and constant reassurance I was given that everything is going to be okay is what helped me get through this process
    Isabella Marie D.
    Houston, TX · via Liz Rivera
    February 2025
    “
    Excelente en todos los aspectos me encantó su dedicación su apoyo carrie es la mejor súper recomendada ?????????
    Ligia E C.
    Porter, TX · via Carrie Andrade
    April 2026
    “
    The assistance I received was the best any problems I had they answered it them and were very transparent and made things run smoothly
    Cristina J.
    Houston, TX · via Liz Rivera
    January 2025
    “
    Thank you Carrie for walking us thru the whole process and helping to successfully close our house. Appreciate your help !!
    Sergey V G.
    Conroe, TX · via Carrie Andrade
    April 2026
    “
    Es una muy buena trabajadora, dedicada en lo que hace y estuvo ahí siempre pendiente de cada detalle hasta el último momento para poder lograr el cierre en el momento correcto y indicado estoy muy conforme y agradecida por ayudarnos a hacer realidad uno de nuestros mayores sueños!
    Yuleiry L.
    Spring, TX · via Liz Rivera
    December 2024
    “
    La mejor ?? ???????? (Translated by Google) The best ??????????
    Gustavo Paz
    via Carrie Andrade
    April 2026
    “
    Everything went smoothly from start to finish. The staff was professional, helpful, and made the whole experience easy and stress-free.
    Marco Antonio D.
    Spring, TX · via Carrie Andrade
    March 2026
    Real Estate Partners

    Are you a real estate agent?

    We provide your clients with a premium lending experience, on-time closings, and 24/7 access to Juliet AI for instant updates. Let's build a partnership that elevates your business.

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    Visit Us

    Our Branch

    The CA Lending Group

    American Financial Network · NMLS #237341

    Address
    500 Craig Road Suite #202
    Manalapan, NJ 07726
    Office Hours
    Mon – Fri: 9:00 AM – 5:00 PM
    Sat: By Appointment
    Sun: Closed
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