Low Rate Mortgage Lenders San Diego CA

We are independent mortgage brokers, offering low rate home loans for San Diego, CA and the surrounding areas.  When working with an independent mortgage broker, there are numerous benefits.  At the top of the list is the personalized service offered.  We offer a single point of contact throughout the loan process.  From your upfront discussion about your goals and loan options through closing, you can call and speak with us anytime.  Prefer to communicate via text or email?  That’s fine.  Need to speak with someone in the evening or on weekends?  We will accommodate that as well.  You will never call in and find yourself routed to an outsourced call center.  You won’t need to sit through 20 minutes of prompts to get to a real person either.  This is a major advantage of working with us!

Of course the actual home loan programs offered is another huge benefit.  When you work with a bank, you have access to only the programs and rates they offer.  Typically these are all retail programs.  When working with an independent mortgage broker like us, however, you will have access to wholesale loan programs from multiple sources.  Different programs and lending sources will have rates that fluctuate.  We have the ability to shop across many wholesale channels to provide a great low rate home loan in San Diego for our clients!

In addition to great rates, the programs we offer can be custom matched to your needs.  Are you interested in refinancing to lower your rate, but don’t want to reset your loan to another 30 years?  Stay on track to pay your home off while also taking advantage of low rate mortgages with a pick-your-term loan option.  We don’t have to stay with a 30 year term.  We don’t even have to limit choices to 15, 20 or 25 years.  Do you have 17 years left on your home loan?  We can refinance that loan at todays rates and put it on a 17 year term – keeping you on track to pay your home off as soon as possible.

Are you looking to pull cash out?  Maybe to purchase an investment property, send your kids to college, remodel your home or for any other reason.  We can help with that as well.

Are you currently paying PMI?  Let us look at your situation.  With home values as they are, we may be able to refinance your loan and remove your PMI – potentially saving you not only on a low rate home loan, but also on the removal of PMI payments.

For those looking to purchase a home, we can help you too.  Even for those with little down payment money, we have loan programs that can help.  Do you have family willing to help with a down payment?  We have loan programs that will allow gift funds for your down payment.  If you have been looking at buying a home, call us today to see how we can help.  With low mortgage rate loans in San Diego, it’s very possible to purchase a home and pay less per month for your mortgage than you are currently paying for rent.

Learn more about the benefits of working with an independent mortgage broker!  When you are ready, give us a call, or  simply complete our quick form to get your personalized online rate quote today!