Welcome to our site!

Thank you for stopping by our mortgage web site.  Even though we have taken special care and consideration to pack this online resource with a wealth of knowledge about the mortgage and real estate process, we want ...

8 Questions Your Lender Should Answer About Mortgage Rates

Simply checking online for today's posted rate may not lead to your expected outcome due to the many factors that can cause each individual rate and closing cost scenario to fluctuate. We can preach communication ...

How Much Can I Afford?

How much mortgage money can I qualify to borrow? This is typically the number one question mortgage professionals are asked by new clients. Of critical importance when considering mortgage financing: There is sometimes a difference between what a client ***can*** borrow and what they ***should*** borrow. In other words, what makes for a comfortable long-term mortgage payment? The Quick Answer: If we're simply considering the financial math, lenders will calculate your Debt-to-Income ... Read More...

Four Possible Reasons To Refinance

A mortgage is generally the largest debt most homeowners have to manage.  It's a good idea to give your personal real estate finance portfolio a check-up at least once a year. Since there are many reasons a ho ...


San Diego Mortgage - Tips to avoid a home loan denial

If you have ever suffered through the embarrassment and frustration of having your home loan denied you are not alone. Having excellent credit and a good job aren't enough anymore. Watch this short informative video about how to avoid some of the most common pitfalls we experience as San Diego mortg ...
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Why your home isn't worth what you think it is

If you have found yourself upside down on your home don't despair.  We might have a solution for you.  Understand how and why your property value may not be what you think it is in this quick informative video.  Contact us for more information.  Please subscribe or forward this o ...
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PMI, MI, MIP: what is the difference?

Did you know MI is required even with a 20% down payment on some loans?  MI, PMI are both known as mortgage insurance but do have differences.  Find out why in this video. San Diego mortgage broker - San Diego mortgages
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Home loans delayed due to the IRS

If you are buying or refinancing your home during tax time you need to watch this video.  Your loan could be delayed by missing this one important step that will hold up your loan compliments of the IRS.   San Diego Mortgages - San Diego Home Loans
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San Diego mortgage broker explains form 4506T

I get asked: "Why do you need a copy of my tax transcripts if I already gave you copies of my tax returns?"  Ah, the infamous IRS form 4506T.  This form is used by lenders to verify tax returns that have been put in a loan file.  To find out why they do this watch the video below. &n ...
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San Diego mortgage brokers discuss the importance of a good purchase loan pre approval

A bona fide pre approval is one of the most important parts of any purchase process.  With a pre approval you are asking: The seller to remove their home from the market The buyer's agent to spend time and money finding you a home Both ...
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