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MENUMENU
  • About
    • Locations
      • Mortgage Rates
      • Mortgage Broker
      • First Time Home Buyers
      • Living in San Diego
    • Blog

      • Conventional Loan Limits in San Diego Raised for 2020
      • Income Up? Now Is a Great Time to Purchase or Refinance in San Diego
      • With Home Prices at a Low Year-Over-Year, Now is the Time to Harvest the Fruits of San Diego’s Real Estate Market
      • Negative Equity Has Fallen Dramatically Since the Recession
      • Been Thinking of a Refinance? Take Advantage of Today’s Low Rates
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The New Normal?

December 1, 2014 by Maureen Martin

When markets are normal, builders build. And that’s exactly what’s been going on lately. According to the California Building Industry Association, new housing starts are up year-to-date with 61,361 new single- and multi-family units. This uptick in building starts signifies a stabilized housing market. But is this as good as it gets? Is this the … [Read more...]

Filed Under: Home Loans, Interest Rates, San Diego Lender Tagged With: mortgage, mortgage broker, Mortgage Rates, San Diego mortgage

Is Your Mortgage Lender Qualified?

May 12, 2014 by Maureen Martin

There are many people who go out hunting for the mortgage lender that implies the lowest costs when planning to purchase a home. The problem here is that they don’t ask the right questions, as they are more interested in hearing what the rate is instead of trying to determine if the lender is the right one for their needs. Here are a few tips that … [Read more...]

Filed Under: Home Loans Tagged With: home loans, lenders insurance, loan, mortgage broker, mortgage lender, san diego

How To Shop For A Mortgage

November 22, 2013 by Maureen Martin

Credit Check First, you should check your credit well before you begin hunting for a home, and work to increase your score if needed, or dispute errors on your report, since those can take time to rectify. You’re entitled to a free credit report from each of the three bureaus (Experian, Equifax and TransUnion) once a year. If there are errors, fix … [Read more...]

Filed Under: Credit, First Time Buyers, Home Loans, Interest Rates, Mortgage insurance, San Diego Lender Tagged With: 3.5% down, conventional financing, credit score, fha, home loans, mortgage, mortgage broker, mortgage calculator, Mortgage Insurance, mortgage lender

Home Buying Process in California

November 10, 2013 by Maureen Martin

Patience and Preparation Buying a home in California can be an exciting, but intimidating process. If you are a first-time homebuyer, terms like mortgage insurance, counter offer and escrow can be enough to make you reconsider the upside of apartment living. However, with a little preparation you can glide through the steps of buying a home in … [Read more...]

Filed Under: First Time Buyers, Home Loans, Interest Rates, Mortgage insurance, San Diego Lender Tagged With: conventional financing, escrow, fha, High Debt to Income Ratios, High Loan to Value, home loans, lenders insurance, mortgage, mortgage broker, Mortgage Insurance, mortgage lender

FHA Expert Tips from Maureen Martin in San Diego, CA

October 26, 2013 by Maureen Martin

You can obtain an FHA loan for the purchase of a multi-family unit, single-family residence, and condominiums. Restrictions vary by location, so ask your FHA-approved lender for additional information. To protect yourself from predatory lenders, work with FHA-approved lenders only. You can become a victim of loan fraud by giving your personal … [Read more...]

Filed Under: FHA Loans, First Time Buyers, Home Loans, Interest Rates, Low Down Payment, Mortgage insurance, Mortgage Insurance, San Diego Lender Tagged With: 3.5% down, credit score, fha, home loans, loan, mortgage, mortgage broker, Mortgage Insurance, mortgage lender, san diego, San Diego County

How to Qualify for an FHA Mortgage

October 16, 2013 by Maureen Martin

The Federal Housing Administration (FHA) has a loan to help both low- and moderate-income families with purchasing housing. All FHA loans are federally backed, and FHA lenders have been approved by the federal government to service the loans. Requirements Make sure that you meet basic FHA loan requirements. You must be able to meet most, if not … [Read more...]

Filed Under: FHA Loans, First Time Buyers, Home Loans, Home Ownership, Low Down Payment, Mortgage insurance, Mortgage Insurance, San Diego Lender Tagged With: 3.5% down, credit score, fha, home loans, lenders insurance, loan, mortgage, mortgage broker, mortgage calculator, Mortgage Insurance, mortgage lender, san diego, San Diego County

First Time Home Buyer in San Diego Tips & Advice

October 10, 2013 by Maureen Martin

Check the selling prices of comparable homes in your area. Search Web sites to get a general idea of what you should expect to pay. You can also do a quick search of actual MLS listings in your area on a number of Web sites, including the site of the National Association of Realtors. What Can You Afford See what you can afford. Use a mortgage … [Read more...]

Filed Under: First Time Buyers, Home Loans, Home Ownership, San Diego Lender Tagged With: fha, home loans, lenders insurance, mortgage, mortgage broker, Mortgage Insurance, mortgage lender, san diego, San Diego County

What Is the Best Mortgage Rate Available in San Diego?

October 5, 2013 by Maureen Martin

You'll need to contact a lender to get your credit scores. You should share your credit scores with other lenders rather than letting each one you contact pull your credit history, because multiple inquiries could lower your scores. Be prepared to answer the following questions before a lender can provide an accurate mortgage rate quote: How … [Read more...]

Filed Under: First Time Buyers, Home Loans, Home Ownership, Interest Rates, Mortgage insurance, San Diego Lender Tagged With: approval, home loans, loan, mortgage, mortgage broker, mortgage calculator, Mortgage Insurance, mortgage lender, san diego, San Diego County

5 Advantages of a Direct Lender

September 21, 2013 by Maureen Martin

When you work with a direct mortgage lender, you apply with the same company who will be documenting, approving and funding your home loan. It’s a one-stop shop and it has some major advantages. Pros of Direct Lenders The benefits of working with a direct lender are many but two distinct advantages stand out: Competitive mortgage rates … [Read more...]

Filed Under: Conventional Financing, First Time Buyers, Home Loans, Home Ownership, Interest Rates, Mortgage insurance, San Diego Lender Tagged With: conventional financing, credit score, home loans, lenders insurance, mortgage, mortgage broker, mortgage lender, san diego, San Diego County

San Diego Hard Money Loans

September 17, 2013 by Maureen Martin

Hard Money San Diego hard money loans are nonconforming loans, unlike the type of loans from conventional bank financing. They are funded by private individuals like us, and requirements vary from lender to lender, however most private hard money lenders are much more concerned with the collateral and equity protection, than credit scores. Rates … [Read more...]

Filed Under: Hard Money Loans, Home Loans, San Diego Lender Tagged With: hard money, home loans, loan, mortgage broker, mortgage lender

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Client Testimonials

Client Testimonials

Maureen Martin
Maureen Martin
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Denise Gershwin
Denise Gershwin
21:02 06 Dec 19
We are experienced home buyers so we have worked with many mortgage lenders in the past. Our experience working with Maureen was stellar! She was highly knowledgeable about our options and how they would affect various purchase options. She was very patient as our new home search evolved and was ALWAYS available to answer our questions day to day as they arose. Maureen and her assistant kept us informed of every stage of the escrow process, so we never once wondered about the status of our loan. Finally, she made sure we understood every aspect of the loan costs. Maureen really went out of her way to ensure that this was a positive experience. We feel we have been taken advantage of in the past, but now we found our mortgage lender for life. We would highly recommend her services for any of your mortgage needs.read more
Magdalena Patterson
Magdalena Patterson
18:27 16 Nov 19
Maureen Martin has helped me and my family trough out the years with home purchase loans as well as refinancing loans. She is definitely our lender for life. I highly recommend her and her team to do any home loans. She is very knowledgeable, honest, and gets it done. This year she and her entire team has made it possible for us to do 3 home loans.read more
Erica L
Erica L
14:41 16 Nov 19
My updated review now that we’ve been fortunate to work with Maureen again! Maureen is truly amazing!! We consider ourselves very lucky to have found Maureen (simply via Yelp originally) to help us purchase our first home, and then again recently she was of course our ‘go-to’ to help us refinance our loan. During both of these processes, I can’t imagine working with anyone else to support and guide us through the complex details and steps involved. Maureen’s customer service is exceptional. She is extremely responsive and available to you every step of the way, with the utmost patience, warmth, integrity, efficiency, knowledge, professionalism, and overall just a truly good human! She is definitely the person you will want in your corner as your mortgage expert. She had reached out to us (gently) to let us know we could secure a lower rate through refinancing, and we are so grateful she did. We were hesitant at first, but she was able to provide us with the estimates on our savings without any commitment from us. So, if you are considering a refinance, I would encourage you to reach out to Maureen to at least get some ballpark figures. We were so happy we explored and then pursued it - as it not only reduced our monthly payment and will save us a lot over the life of our loan, but it also resulted in some extra up front “savings” in our pocket (due to the escrow refund and skipped payments) so that we could finally do our kitchen remodel that we have been dreaming about. A huge thank you to Maureen for once again being a true gem to work with!Original review: All of these glowing 5 star reviews for Maureen are fully deserved!! We are deeply grateful that we found her (on Yelp!) and chose her as our lender for our home purchase! She is truly wonderful to work with, from start to finish! She is very knowledgeable, immensely responsive, reliable, efficient, trustworthy, and a wonderful source of support and encouragement, which is especially valuable during the stressful home buying process. To give you an idea of her efficiency and ease to work with, we first connected with Maureen at the start of August, and she had us pre-approved for a loan (through a very simple online application) and connected us with an awesome realtor before we could blink. We had an offer accepted on a home soon after and got our keys to our new home yesterday! I've only known her for slightly over a month, and yet, she feels like a close friend! She was our biggest resource and advocate during the escrow process. I highly recommend Maureen to anyone starting a home search, and especially first-time buyers because you will greatly benefit from having her as a support, trusted resource, friend, and 'cheerleader' through the process!read more
Marisol Martin
Marisol Martin
01:52 13 Nov 19
Impressed by such great service. Ms. Maureen responded to my emails quickly and was always friendly. Very knowledgeable. She helped me understand my mortgage and all options to refinance.
Rick T
Rick T
16:34 07 Nov 19
I called Maureen about some questions that I had and she was very helpful in giving me all the information that I needed. Very professional and helpful!
gerardo sanchez
gerardo sanchez
19:29 23 Oct 19
It was the best experience I’ve had. My first purchase was nothing compared to this one.Maureen was magnificent and soooo efficient,and easy to access and work with her.Every time I had a question, she was so nice and quick to reply and advise me on everything.I wish I would have met you sooner in my first purchase. But you definitely made my second purchase of a home soooo great and easy that I will recommend you to everyoneread more
Christian Minnema
Christian Minnema
20:43 10 Oct 19
My wife and I have used Maureen twice in the last two years. First for our home loan and most recently for a refinance of that loan. Maureen is incredibly professional, quick, knowledgeable, and always available if you have any questions. I have already recommended her to family and friends for their financing needs. If you're looking for some one to help you with your mortgage Maureen is the answer.read more
James Marvel
James Marvel
04:13 21 Sep 19
My wife and I are first time home buyers using my VA loan. Maureen encouraged us every step of the way, and went above and beyond in making sure we were able to purchase our home. We got pre-qualified and were able to offer a 21-day escrow to help get our offer accepted. We highly recommend Maureen. She was able to give us a frank, honest assessment about what we could afford, which helped us find the right home. Thank you, Maureen!!!read more
JMS Silver
JMS Silver
05:16 15 Sep 19
Maureen is an absolute pleasure to work with! She’s professional and prompt and always ready to help and educate anyway possible. Her team was able to help us close on our dream home in no time and so efficiently. She helped make a stressful closing, hassle free and smooth. I’d definitely recommend her to anyone and would love to work with her again in the future! She’s also very knowledgeable on VA loans and processread more
Amanda Cline
Amanda Cline
01:35 29 Aug 19
I recently worked with Maureen Martin as my mortgage broker for a home purchase in Northern California. I originally came across Maureen when I was living in San Diego through a mutual friend. I hadn't been a homeowner for over 13 years and Maureen helped guide me all the way as though it had been my first time. This was a years-long process as I came out of a $15K+ debt situation and saved for the down payment, but Maureen stuck by my side, offering financial advice and when it was finally time to pull the trigger when all the stars aligned, I had complete confidence in her. She is incredibly thorough and detail-oriented and found a fantastic rate on the loan. We went through several home offers before landing on "the one" and she was so patient in explaining everything to me, multiple times! Working with her hundreds of miles away (Norcal vs. Socal) was no issue at all. I cannot recommend her enough - she consistently went above and beyond to help me through and made it as easy as possible. Thank you Maureen!read more
Katie Jones
Katie Jones
22:44 26 Jun 19
I can't say enough about Maureen and her team! She is so amazing and wonderful to work with. We were in the process of buying a home while our daughter had surgery and Maureen was incredible through the entire process. She helped us know what we could afford and made herself available to answer any questions we had. She provided personalized pre-approval letters for every offer! She also goes above and beyond by calling listing agents to assure them your loan will go through! We bought with a VA loan and her understanding of the VA loan was so helpful! Maureen took care of us and helped us get our new Home! She is amazing!read more
Katie Jones
Katie Jones
22:43 26 Jun 19
I can't say enough about Maureen and her team! She is so amazing and wonderful to work with. We were in the process of buying a home while our daughter had surgery and Maureen was incredible through the entire process. She helped us know what we could afford and made herself available to answer any questions we had. She provided personalized pre-approval letters for every offer! She also goes above and beyond by calling listing agents to assure them your loan will go through! We bought with a VA loan and her understanding of the VA loan was so helpful! Maureen took care of us and helped us get our new Home! She is amazing!read more
Mary DeLisio
Mary DeLisio
05:18 30 May 19
I found Maureen on google while searching for brokers in the San Diego area. I loved her bio and something told me she was the perfect broker for my boyfriend. I encouraged him to call her but was a bit sacred and nervous being a first time buyer. He thought he wouldn’t qualify but Maureen made him feel so comfortable and walked him throughout the whole process. Needless to say he was approved and in less than a month and a half he received his keys and closed on his first home. I can’t say enough how awesome Maureen was and so professional. She is so detailed and knows her business well. Next home will definitely be calling her again. Thank you Maureen for making our dream come true! Rodrigo & Maryread more
TERRANCE RUSNAK
TERRANCE RUSNAK
21:05 17 May 19
We were introduced to Maureen when we moved last year. We were about to close escrow on the house we sold, and needed to expedite escrow and get a mortgage for the house we had just bought. She took charge of the situation and made it happen quickly and efficiently. She was extremely knowledgeable, highly professional and above all motivated to facilitate our needs. Friendly, very proficient and easy to talk to, she made the process understandable and effortless at a time when moving issues had our complete attention and were our highest priority. When interest rates recently dropped, we again turned to Maureen to refinance and she did not disappoint, doing her thing and looking out for our best interests. We had gone through the refinancing process several times in the past with others whom we trusted and felt good about. Our recent experiences with Maureen allowed us to reach an obvious conclusion - she's the best! Highly recommended!!!read more
Michelle Edmonds
Michelle Edmonds
23:47 14 May 19
5 stars all the way!! Working with Maureen has been amazing, She’s professional and incredibly responsive and does a fantastic job of explaining all of the ins and outs of mortgage financing options. My home buying process has been very lengthy, with several offers that have fallen through (in no part due to the mortgage terms) but Maureen has stuck with me through thick and thin. I trust her completely and highly recommend her services.read more
Brian Dinh
Brian Dinh
23:33 14 May 19
I’ve used Maureen for a few of my properties over the years and she’s been nothing but amazing and refreshing to work with.... she’s available when you need her and she’s professional and extremely competent and knowledgeable. You can’t go wrong and I’ve had a few other friends go through her and love her as well. Nothing like word of mouth! Thanks Maureen you’re the best.read more
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