Michael Frey Realtor

Michael Frey Realtor Michael Frey Realtor Michael Frey Realtor
Home
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Selling Your Property
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Physician Program - Bank
Home Search App
La Jolla CA
University City
Clairemont 92117
Buyers Tips
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New_Homes
Military Relocation CA
About Me
Contact Mike ASAP
Downloads PDF's
Privacy Policy
Open House
  • Open House Questions
  • Rent vs Homeownership
  • Dreamers for all CalFHA
  • Open House Check In
  • Questionnair Page
Realtor com

Michael Frey Realtor

Michael Frey Realtor Michael Frey Realtor Michael Frey Realtor
Home
Property Value
Selling Your Property
Pinnacle Program Sellers
Mortgage Bankers
Physician Program - Bank
Home Search App
La Jolla CA
University City
Clairemont 92117
Buyers Tips
Sell My Home Tips
New_Homes
Military Relocation CA
About Me
Contact Mike ASAP
Downloads PDF's
Privacy Policy
Open House
  • Open House Questions
  • Rent vs Homeownership
  • Dreamers for all CalFHA
  • Open House Check In
  • Questionnair Page
Realtor com
More
  • Home
  • Property Value
  • Selling Your Property
  • Pinnacle Program Sellers
  • Mortgage Bankers
  • Physician Program - Bank
  • Home Search App
  • La Jolla CA
  • University City
  • Clairemont 92117
  • Buyers Tips
  • Sell My Home Tips
  • New_Homes
  • Military Relocation CA
  • About Me
  • Contact Mike ASAP
  • Downloads PDF's
  • Privacy Policy
  • Open House
    • Open House Questions
    • Rent vs Homeownership
    • Dreamers for all CalFHA
    • Open House Check In
    • Questionnair Page
  • Realtor com
  • Home
  • Property Value
  • Selling Your Property
  • Pinnacle Program Sellers
  • Mortgage Bankers
  • Physician Program - Bank
  • Home Search App
  • La Jolla CA
  • University City
  • Clairemont 92117
  • Buyers Tips
  • Sell My Home Tips
  • New_Homes
  • Military Relocation CA
  • About Me
  • Contact Mike ASAP
  • Downloads PDF's
  • Privacy Policy
  • Open House
    • Open House Questions
    • Rent vs Homeownership
    • Dreamers for all CalFHA
    • Open House Check In
    • Questionnair Page
  • Realtor com

Favorite MOrtgage Bankers


Call Michael Frey if you have questions 619-997-1626

Top pick for MOrtgage Bankers in La jOlla. San Diego

Greg Parker of Prosperity

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)

(619) 997-1626 - Michael Frey Realtor®

Fill out the Questionnaire please, so I may help you.

Best rates for larger loans

Home Picture. Where the story begins

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

yong.lee@bofa.com


Doctor Loan program
Clayton Sheffrey contact info

US Bank

Mr. Sheffrey is highly recommended. He is a member of REBA and attends the caravans. He has plenty of programs to offer. I Recommend Clay. They also have a Physicians Program available.

Link to Clayton Sheffrey US Bank Info.   

clay.sheffrey@usbank.com 

Cell: 619-708-0876

 “American Dream, NO Mortgage Insurance loan”. 

Planning and Stratigc Fiancing

Swanson Lending Angela Weathers contact info

SWANSON Lending

Recommending Angela Weathers at Swanson lending 

  • As a mortgage planner, the Swanson Lending team assists homeowners with the liability side of their personal balance sheet. They seek to structure a mortgage to fit within the financial, insurance, estate, and tax plans.
  • ADU Fiancing, Construction remodel added to the purchase loan. 
  •  ** Highly Recommended**  Call Angela  (Link to her website)

                  Angela@swansonlending.com 

* Program designed - first time Homeowers* Strategy *

Sunstreet Logo

SUNSTREET Lending

I am recommending Pam and Kathy 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  

Doug Diemer Business Card
Best place for VA Loans (You earned it, so use it)

Military Home Loans

VA home loan Specialist. I recommend you call Doug and discuss your options with a VA home loan. We can start searching for the property when you receive your approval paperwork with a dollar amount. 

Mike's Military Info Page

Video

Working with you Loan Officer

It's easy to work with a Mortgage officer. This video quickly explains.

Bundle Home Expenses in your loan

Great way to buy a fixer, and make it your own.

Mortgage Rates Widget San Diego Real Estate Agent

Mortgage New Daily

MOrtgage - Stratigies VA, FHA & HUD

Funny Banking Cat. "Simon"

Prosperity Home Mortgage.

The good folks at Prosperity are recommending Sellers instead of discounting the list price, recommend the seller buy down points ($30K to 50K) Better for both parties. Something to think about.

Ask for Greg Parker at 858-551-3326 Prosperity La Jolla. * Mention my name for preferential treatment.  (Prosperity is a BHHS Affiliate.)

Prosperity Mortgage

VA Home Loan Program

Military Home Loans is my Top Pick for Veterans who use their VA Loan benefit. Did you know San Diego’s benefit is over 977K in La Jolla and University City? Military Home Loans can go up to 3 million. Call them for the details. I am not a Mortgage Broker; they are.  

Call Doug Diemer NMLS#859494 at 858-380-7144 Military Home Loans is my Top Pick for Veterans who with to use there VA Loan benefit. 

VA Home Loans website

FHA or HUD government program

 When the market changed, the advantage went to buyers, AND those buyers who used FHA and HUD loans are having their offers excepted. In the past, it was more difficult. Now is the time to take advantage of these programs. I recommend SUNSTREET Mortgage Kathy Trolinger Loan Officer NMLS#662177 Call her at 619-330-6303.

FHA and HUD website

Construction Loans, ADU's

Construction Loans are added to your purchase amount. Or an ADU? Added to your loan. Almost anything legal you can think of, Angela can figure out. She is your secret to Mortgage Banking. It is worth checking into giving her a call.   Angela Weathers Swanson Lending NMLS#1493846  (858) 688-5259

Construction of ADU etc.

On-Line Bankers (Quicken, loan Monster) or Credit unions

*Warning*

Do NOT use an online banker system. Yes, the rates are lower, but San Diego has some “quirky CCR’s” and incredibly strict contract deadlines. 


Online brokers may be difficult to reach at the most important time of the contract. A failed contract could cost you your deposit/earnest money. (And that is 100% on you) Please, use a local lender. Somebody who you can see or give a handshake. You can always refinance later, sometimes with no points down.  (Protect your deposit, stay local) 


Credit unions are great for Refinancing but can be slow and troublesome on the first mortgage home purchases. (Don’t do it)  

Picture of my Berkshire Hathaway Company Website. "Click" the picture to visit the home search site.

Search for Homes by area. Have question, give me a call. 619-997-1626

Search homes in: 

  • Luxury La Jolla Homes


  • La Jolla Click Here. 
  • University City Click Here
  • Clairemont Click Here
  • Mira Mesa Click Here
  • Sorrento Valley Click Here
  • Scripps Ranch Click Here
  • Linda Vista Click Here
  • San Diego All Areas 
  • Southern California Search 


My National Home Search website, if you want to look out of State.  Covers all 50 States.

La Jolla Area

University City Area

Clairemont Area

Sellers Tips

Buyers Tips

About Michael Frey

At your service

Equal Housing Opportunity Logo

©2021 Berkshire Hathaway HomeServices California Properties (BHHSCP) is a member of the franchise system of BHH Affiliates LLC. BHH Affiliates LLC and BHHSCP do not guarantee accuracy of all data including measurements, conditions, and features of property. Information is obtained from various sources and will not be verified by broker or MLS. Buyer is advised to independently verify the accuracy of that information. 


Michael Frey DRE#02069869   619-997-1626  michaelfrey@bhhscal.com (Owner of website)

Berkshire Hathaway HomeServices California Properties La Jolla Office DRE#01317331

La Jolla Office #858-459-0501

Topics this website

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 Michael Frey Realtor® DRE#02069869 Call (619) 997-1626  (Licensed in California)

Berkshire Hathaway HomeServices California Properties DRE#01317331

All Rights Reserved. Copyright © 2022 

 Equal Housing Opportunity. michaelfrey@bhhscal.com 

  

© 2023 Berkshire Hathaway HomeServices California Properties is a member of the franchise system of BHH Affiliates LLC. BHHS and the BHHS symbol are registered service marks of Columbia Insurance Company, a Berkshire Hathaway affiliate.

BHH Affiliates LLC and BHHSCP do not guarantee the accuracy of all data including measurements, conditions, and features of the property. Information is obtained from various sources and will not be verified by the broker or MLS. Buyer is advised to independently verify the accuracy of that information. "Good to Know"

Michael Frey 619-997-1626 cell

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  • Pinnacle Program Sellers
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