Mortgage Lender Blog | Maureen Martin with HomePlus Mortgage

Financial Tips for a PCS Move to San Diego

November 26, 2023 by Maureen Martin

Whether this is your first PCS move or not, you know that PCS moves can be complex. Your Basic Allowance for Housing (BAH) will help make your next home affordable. But the move itself will involve costs, and you may also have housing expenses that fall outside of what your BAH can cover. Below are a few tips to help you manage your finances and … [Read more...]

Partner with a Pro: Your Trusted Mortgage Expert for Realtors

October 18, 2023 by Maureen Martin

Are you a realtor seeking a trusted mortgage professional to complement your real estate endeavors? Look no further! We understand the importance of a strong partnership between real estate agents and mortgage experts in delivering exceptional service to clients. Maureen Martin, a seasoned mortgage professional, is here to be your go-to ally in the … [Read more...]

4 Things You Don’t Know About FHA Loans

May 30, 2023 by Maureen Martin

FHA loans are among the most versatile and accessible lending options for San Diego borrowers. Many homebuyers and homeowners still believe certain myths about FHA loans, however. In this post, I am going to dispel some of those misconceptions so you better understand what an FHA loan can do for you. Here is what you may not know about FHA … [Read more...]

Popular Home Styles in San Diego: Modern

April 28, 2023 by Maureen Martin

While shopping for your dream home in San Diego, you will probably notice some houses that feature clean modern lines, but which also invoke a sense of nostalgia. These are homes built in the modern architectural style. This post will explain exactly what defines this style and why you might want to think about moving into a modern … [Read more...]

FHA MIP and Some VA Funding Fees Reduced

March 6, 2023 by Maureen Martin

Here is great news for anyone looking to apply for a VA or FHA mortgage: the Federal Housing Administration (FHA) has reduced annual mortgage insurance premiums (MIP), and certain VA mortgage funding fees have also been reduced. Homeowners Can Save With Lower FHA MIP Beginning on March 20th, 2023, the FHA monthly mortgage insurance premium … [Read more...]

5 Things You Don’t Know About Conventional Mortgages

March 3, 2023 by maumar

Some homebuyers believe that conventional mortgages are the only type of home loan. Still others overlook them entirely because they think they will not qualify. Regardless, there are a lot of myths about conventional mortgages that quite a few borrowers still believe. Let’s dispel a few of those now by going over a few things you may not know … [Read more...]

Questions to Ask Before Applying for a Reverse Mortgage

January 24, 2023 by Maureen Martin

If you are thinking about getting a reverse mortgage, there are some important questions you should ask yourself first. These questions will help you assess whether a reverse mortgage will fit your needs and help you achieve your goals during your senior years. Before Applying For a Reverse Mortgage, You Should Consider These … [Read more...]

Popular Home Styles in San Diego: Ranch

January 2, 2023 by Maureen Martin

As you browse San Diego real estate listings, one style of home you may see time and again is the low-profile ranch home. What exactly is a ranch house, and is it the right type of home for you? In this post, we will explore this popular architectural style for San Diego homes in detail. History of the Ranch House Ranch houses are also … [Read more...]

Popular Home Styles in San Diego: American Craftsman

November 15, 2022 by Maureen Martin

While you are shopping for your next home in the San Diego area, you will no doubt see many lovely American Craftsman style homes on the market. What is the American Craftsman style, and is it the right choice for you? In this post, we are going to explore the characteristics that define this architectural style and its benefits. The American … [Read more...]

What is a Certificate of Eligibility (COE)?

September 20, 2022 by Maureen Martin

When you apply for a VA mortgage in San Diego, you will need to submit a document called a “Certificate of Eligibility,” or “COE” for short. But what is a COE, and how do you get it? Your COE is a document that proves you qualify for a VA mortgage based on your service. The exact document that meets this need depends on your status: Know More … [Read more...]

Sam Button

23:11 27 Sep 23

I had the pleasure of working with Maureen for my first home purchase, and her service was stellar from start to finish! Things can be very daunting for a first time home buyer, and Maureen made sure to take the time to explain everything easily and effectively - she is a great communicator and she made the process much easier for me. I was previously working with a different lender and Maureen was able to match their fees and provide quite a bit lower interest rate for me! Definitely will be recommending her to friends/family in the future if they decide to purchase a home.

Edward Lepe

16:08 25 Aug 23

This review is long overdue but well deserved. Maureen came to the rescue when I purchased my home in April. I was working with a different lender that was referred to me by my realtor, after a few bad experiences and my gut telling me to get a second opinion, I called Maureen less than 3 weeks before closing. From the beginning, Maureen was genuine, professional, and kind, she let me know what she could and could not do, set the right expectations and made me feel at ease. She immediately got to work, I can tell she was genuine in her intent to help me...not only was she able to close in record time, but she saved me over 1% in my rate, lower closing cost and a lower monthly payment. All while closing in record time. Maureen is truly in a class above the rest, she's passionate about helping people, genuine, honest, professional and effective. Thank you Maureen!

Ron Steen

23:05 30 May 23

Spent 10 minutes on the phone with her and she helped me immensely. Without trying to push a sale or make a deal, she helped me answer questions and was truly trying to help me even though she had nothing to gain. I will recommend her to anyone that will listen. SHE IS AMAZING!!!

Yara Tercero

16:42 24 May 23

Maureen helped us close in record time even with repair negotiations. She was super on top of everything. Couldn’t have asked for a better experience with an always stressful process of buying a home. 1000% recommend Maureen. She sticks to her word and won’t promise anything she can’t deliver on.

Melanie Davis

10:39 19 May 23

If you are looking for a review to help you decide if you should use Maureen, this is it. She’s up front and “kept it real” with me. I had shopped around for the best rate for my refi and lenders quotes were all over the board and I couldn’t make sense of it. I called her to see what she could do and not only did she have expert knowledge of the market, she offered excellent advice on how to navigate it to my benefit. No one else did that. She was patient and explained how things worked so I understood what decisions I was making. I prefer to work with someone who will tell me like it is instead of what they think I want to hear. I saw first hand how some brokers don’t care, you’re just another client to them. But she advocated for me as if she were me and that is invaluable and rare. I can’t thank her enough for her insight, experience and support during the process. I’m so glad I called her.

Jerome Farnan

18:06 17 May 23

Maureen is more than a mortgage broker, she's a helpful person who really wants to do what she can to make the process go smoothly. She is super knowledgeable about the mortgage business, real estate, financial trends and seemingly everything that is remotely related to mortgages. This made me very comfortable with the process and helped us greatly to coordinate the escrow people and the real estate people, and all the documents and information needed. If you get in touch with Maureen, she will start helping you before you even know what you need.

Christian Thorn

18:29 11 May 23

An amazing person to work with. Plans ahead for any hiccups in the process and is very organized. Definitely recommend her to anyone looking to purchase or refi a home!

Cam Tran

18:22 11 May 23

We've bought 4 homes so far and Maureen has been the BEST lender we've worked with! She has outstanding communication and you can tell she is dedicated to her work. She was prompt, easily accessible and always willing to answer any questions we had. She was also ready to fund us for an earlier closing! If you're looking for a lender, SHE'S THE ONE!!

Emily Mitchell

18:23 27 Apr 23

My experience working with Maureen starts off with a story of a lifetime. I am cofounder and president of a local nonprofit animal sanctuary, and towards the start of 2023 I found myself in one of the most challenging situations of my life. My husband and I had made the difficult decision to separate, and if the animals and I were going to stay at the property in Ramona, CA I would need to qualify for my own loan and refinance the house.This is where Maureen comes in. From the beginning, I knew I was in good hands. I had diligently searched for a good lender who could give me a good rate that would allow me to afford the house, and Maureen beat the competition. Not only that, but she was pivotal in pursuing an opportunity to lock-in on a good rate one evening when rates had momentarily dropped (rates went back up the very next day, so I was very lucky to have had a responsive and determined lender like Maureen!). Maureen never rushed me, encouraged me to do whatever was best for my unique situation, and was extremely patient with all of my questions. Perhaps above all, Maureen was kind, thorough, and a great listener throughout the entire process. I don’t think I’ll ever forget the phone call with her while I was driving one of our sheep home from the vet, midway through the process of securing my loan. I felt a little embarrassed that I had to speak loudly over a very opinionated sheep in the car, but that didn’t seem to phase Maureen. It only fueled her desire to help.Committing to a new loan is a big deal and can be stressful, especially with the future forever home of an animal sanctuary at stake. I’m beyond thrilled and relieved to report that my loan officially funded yesterday, and I could not have had a better lender on my side. 10/10 recommend Maureen for your future loan needs. She might just rescue you (and your animals)!

Rosie Zuno

15:32 27 Apr 23

If we could give more stars we would! We have had the pleasure of working with Maureen Martin multiple times in the past 10 years, not only for personal transactions, but we also refer her to our clients and close family because she is simply amazing. She is a true professional, her work ethic is outstanding and we could not be happier to work with her and her team. As a Professional Realtor myself, I can say that Maureen Martin is the best in the industry, I have worked with may Lenders, none like Maureen and the team she has built. When working with her as my lender, I know the transaction will go smooth because she is on top of her game, and her team is as efficient as her. Thank you Maureen for always being there to help us with personal transactions and also my clients, we really appreciate you!!! We look forward to working with you again soon 🙂

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