Top pick for Mortgage Bankers in La Jolla.
Prosperity Mortgage
I highly recommend Greg Parker as your Mortgage Broker. Greg has been in La Jolla for over 20 years. #1 in La Jolla for more years than I can count. Greg ranks as #5 nationwide. He and his team are experienced in all areas of Real Estate financing; if there is a deal out there, he can get it for you.
- Prosperity Mortgage is an affiliate of Berkshire Hathaway HomeServices. If your agent doesn’t know Greg, they might not know La Jolla real estate.
- Contact Greg Parker NMLS#662132 at his office at 858-551-3326
- Address: 1299 Prospect St, La Jolla, CA 92037 (Greg's Website)
Best rates for larger loans
Bank of America
My go-to for Jumbo Loans
Lender: Youg Lee, NMLS ID# 796669, is fully experienced in working with jumbo loans & ARM's. They have great rates if you have excellent credit. Mr, Lee fully understands how to work with the RPA (Residential Purchas Agreement) contract in the San Diego Market. I recommend him. I do not receive compensation from any lender.
Mr. Lee’s Direct number is 949-516-6662. Mobile 949-482-5045
Steve Gray Home Mortgage Consultant
Wells Fargo Home Mortgage
Here is a great way to get a lower Mortgage Rate when writing a purchase offer on a new house in San Diego. The Relationship Discount. A unique way to lower your mortgage rate when buying a home.
We will deeply discount our jumbo mortgage rate based upon the size of your buyer’s relationship with Wells Fargo. Our jumbo loan pricing is hard to beat already, and this additional discount makes our pricing even more compelling.
Note from Steve:
If you're looking for a home loan, you've found a great place to start. As an experienced home mortgage consultant, I can guide you through the process – with the support you need and innovative technology developed with you in mind. Whenever you're ready, I'm here to help.
Steve Gray Home Mortgage Consultant NMLRS ID 453592
Direct number is 858-254-1740.
Top pick of Mortgage Bankers in La Jolla!
America's Local Lender
Robin Gilmore NMLS#1269063
President
America's Local Lender (Name of the Company) is your online resource for personalized mortgage solutions, fast customized quotes, great rates, & service with integrity.
- President & Loan Originator - 25 years of mortgage experience
- Board of Directors Mission Bay Real Estate Association President 2022
- Vice President 2021
- Treasure, Jan 2019- Dec-2020
- Board of Directors 2022-2023 Treasurer, La Jolla Woman's Club
- I highly recommend Robin Gilmore NMLS#1269063
Address: 7817 Ivanhoe Ave Suite 206. La Jolla, CA 92037 (Robins Website)
Robin.Gilmore@AmericasLocalLender.com (714) 421-8767 cell
* First-time Homeowners * Gov Loan Program's *
SUNSTREET Lending
I Highly recommend Pamela Branigan and Kathy Trollinger at Sunstreet Lending because they know finance. They can easily walk you through the processes of obtaining a loan perfect for you. Patience and Hand Holding are something you like; Pam and Kathy are the best mortgage Bankers for you.
FHA, HUD, Conventional. (First-time buyers, all programs) Pam and Kathy are "AWESOME"
Give them a call. 619-330-6303
Information you will need to give to a Mortgage Banker.
Most Mortgage Bankers have their own requests. They will walk you through the processes and have a Secure way to upload your documents.
You give the Financial Paperwork to the Mortgage Banker, Never the Realtor. (We do not need it or want it.)
Questions you will be asked by the Mortgage Banker. (Not me, the Realtor)
- Are you a US citizen?
- How Long have you been living in your present home? (If less than two years, please send your previous address & number of years that you have lived there.)
- Are you Married/ Divorced/ separated/ Never Married?
- How much is your rent?
- Any Dependents? If yes, what ages?
- Recent pay stubs. (W-2 forms from the past two years)
- How many years of experience do you have working at your present job? (Include any Masters/Doctoral work references)
- If self-employed: List the type of company. (C-Corp, S-Corp, LLC, Sole Prop)
- Year-to-date profit and loss statement.
- Documents to show unpaid accounts receivable.
- 1099 forms from the past two years.
- Bank statements for all your checking and savings accounts.
- Statements for all investment accounts, including.
- 401(k)s, IRAs, CDs.
- Brokerage accounts.
- Accumulated cash value from life insurance. (if applicable)
- Down payment gift letters. (if applicable)
- Alimony and child support. (if applicable)
- If you have income from a rental property.
- Documentation of rental income.
- Copy of lease.
- Property appraisal report.
Not all questions will be asked, I just want to list as many possible questions so your prepared.