About Us

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Who We Are

California Home Finance was founded in San Diego California and offers financing for 1-4 unit residential homes throughout the state of California.

We provide a unique personal mortgage loan concierge service. This means that your personal concierge will shop every bank in the country for you and deliver the best wholesale rates and programs available in the market every time!

Our loyalty lies with the client and not with the lender so we are true client advocates. Our number one goal is customer satisfaction and our exceptional reviews speak to our success in that department.

We are grateful to each and every one of our clients who have placed their trust in our abilities and have rewarded us with their repeat business and referrals.


Bill Fahy

Bill grew up on the east coast living in NJ until his early teens and then moving with his family to the Boston area.  There he finished high school and later earned a Bachelor’s degree from Salem State University with a double major in Business Administration and Aviation Science. Bill wanted to escape the cold winters so he moved to San Diego in 2002 and within a month of arriving earned his CA Real Estate Sales Person license. He went on to earn his CA Real Estate Broker license in 2005 and has held his Nationwide Mortgage Licensing System credential since 2010.

With a focus on residential mortgage loans Bill has made a career of guiding people and putting them at ease while they are dealing with one of the biggest financial decisions of their lives. Bill credits his success in life to his upbringing and the core values instilled into him by his parents.

When he is not at work Bill likes to fly airplanes, ride his motorcycle, take night courses on Aviation, exercise, go hiking, camping and just about anything outdoors.

Bill also likes to give back to the community and has worked with the San Diego Veterans Coalition as a mentor to Veterans using their GI Bill as well as a career counselor to Veterans transitioning out of the military into the civilian job force and  Bill has delivered meals to senior citizens for over 10 years through the Meals On Wheels Program of San Diego.

Bill Fahy
President and Founding Partner

NMLS: #235778


Rafie Sahial

Rafie Sahial is a bilingual entrepreneur, sales specialist, mortgage loan and realty expert, and business development professional based in the San Diego area. Rafie currently focuses on mortgage loans, a field which he has become an expert in after a decade of experience.

As a self-motivated and extremely determined individual, Rafie loves a challenge and excels at setting and achieving goals, both in his personal and professional lives. One such goal was to have his own company – a goal which he met by the age of 24 and considers one of his biggest professional accomplishments. Throughout his professional career, Rafie has become adept in managing, training and guiding teams, and has managed over 115 employees at once.

Rafie is very adaptable and quick on his feet, and he uses this skill to constantly continue learning and growing while sharing his knowledge with those around him.

In his free time, Rafie likes to cook, watch sports, go to the gym, travel and learn about different cultures.

Rafie Sahial
Vice President and Founding Partner

NMLS:  246216
DRE: 01742427