We have answers for all of your home loan questions.
Shopping for home financing might seem complex. We’re here to make it easy for you.
As wholesale mortgage brokers, we have access multiple lenders so we can find you the best loan program for your specific financing needs. Plus, we have access to the favorable wholesale rates they only offer to brokers. You win with getting both great support and a great rate.
Contact us on the form in the lower section of this page or call our office at 619-908-1788 to discuss your home financing needs and explore what is right for you.
Let’s find the right option for you
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Conventional Purchase
• Most common loan type
• Down payment options as low 5%
• Fast, easy process
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FHA Program
• 3.5% down payment
• Lower credit score requirements
• Gift funds may be used toward down payment
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USDA Loan
• No down payment (100% financing)
• Available for properties in rural areas of San Diego County
• Potentially roll closing fees into your monthly payment
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HELOCs & HELOANs
• Use your home equity for debt consolidation, home improvement, or other expenses
• Lower interest rates than most credit cards or personal loans
• Flexibility based on your needs
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Down Payment Assistance
• Let’s discuss your needs and see if a Down Payment Assistance program is right for you.
• Different programs are available including CalHFA options and Chenoa.
• Each program has a unique set of requirements.
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VA Loan
• No down payment (100% financing on homes appraising at value)
• No monthly mortgage insurance premium
• Relaxed credit requirements
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Refinance
• Take cash out using the equity in your property
• Refinance rates are typically lower than credit card rates
• Removing someone from title on a property? Refinance to also remove them from the loan.
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Investor Loans
• Multiple options are available for your real estate investments including cash-out refinancing with a Debt Service Coverage Ratio (DSCR) loan.
• DSCR loans are based on the property cashflow instead of reviewing property owner’s personal earnings.
We are here for you
Andres San Martin
Real Estate & Mortgage Broker
CA DRE #0126182 • NMLS #228794
Call: 619-908-1788 ext. 102
Our commitment to you:
We will always be honest with you.
We treat our clients equally and with respect.
We will advocate for your needs and protect your interests throughout the sales process.
Open communication is important. We will be available to answer all of your questions and promptly return messages.
Our support continues after the sale. Once escrow closes, we will still be available to answer your questions and provide guidance and support.
We are grateful for the opportunity to support you with your real estate needs and value you as a client and (hopefully) a friend.
We're here for you!
What our clients say:
“The process of getting our home loan was quick and painless. Kevin Lare was so responsive and knowledgeable and answered every question we had. He responded promptly. We couldn't have asked for a better person to do handle our loan. I would recommend him and his company to anyone looking to buy a house.”
Katherine in El Cajon
“They did an awesome job with my loan. The service, accountability, and end result all exceeded my expectations. Will definitely use next time I’m in the market.”
Wil in Chula Vista
“If you want an amazing low rate and you want to close your loan fast then I highly recommend Andres. I was initially going through Bank of America for my refi, what a mistake that was. I was on day 60 on my refinance with them and I still had no approval and they kept asking for more documentation as I went along. I was super frustrated with them and decided to make a change. Thank god that I made that change and went with Andres. Not only did Andres get my approval in less than a week, it was with less documentation than Bank of America was asking for, and it was also with a lower rate. That is the advantage when you go with Andres, the fact that he can shop the market and offer the best rates available! I couldn’t believe it!!! I signed docs in less than 2 weeks and he couldn’t make the process any easier. By the way, Bank of America finally issued an approval after my signing with Andres... lol... Sorry Bank of America, I found someone much better who actually knows how to close a loan.”
Jeff in Los Angeles