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Top pick for MOrtgage Bankers in La jOlla. San Diego
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
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.
Cell: 619-708-0876
“American Dream, NO Mortgage Insurance loan”.
* Program designed - first time Homeowers* Strategy *
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
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.
Planning and Stratigc Fiancing
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)
MOrtgage - Stratigies VA, FHA & HUD
Mortgage New Daily App
This is the Mortgage app I recommend. It’s free. You can adjust all rates, times, etc. But it also allows you to see the Amortization Tables. (Key to see your Interest vs Principal) Talk to your accountant to see how much of a write-off you may be eligible for. (Note: you will need to live in the home)
Special Note, I DO NOT Recommend the Lenders on the App. It would be best if you had an Experienced Local Lender. If you want a strong offer, DON’T use an online lender. I always recommend my seller not to go with an On-line Lender; they may not always close escrow. (Something weird always caused drama with the loan)
This is the App you saw me use.
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.
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.
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
On-Line Bankers (Quicken, loan Monster) or Credit unions
*Warning*
Again, 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)
Tricks to Lower Your Total Home Purchase Cost
It's Simple and very effective.
- Shorter Loan Period. (15 vs 30)
- Extra Monthly Payment. (Add a few bucks to each payment)
- Pay Bi-Weekly
- One-Time additional payment to principal.
- Add your Tax Return as a Yearly Principal Payment.