Mobile header

Apply Now

  • Home
  • About
    • Locations
      • Mortgage Rates
      • Mortgage Lender
      • First Time Home Buyers
      • Living in San Diego
    • Blog
    • Contact
      • Apply Now
  • Loan Options
    • FHA Loan
    • VA Loan
    • Reverse Mortgage
    • Conventional
    • Loan Purpose
    • Resouces
      • Today’s Rates
      • Interest Rates & Their Meaning
      • How to Refinance
      • Mortgage Calculator
      • Home Loan Basics
  • Refinance
  • Purchase
    • Get Pre-Qualified
  • Testimonials
    • Media
  • Contact
    • Apply Now
    • Secure File Upload
 
 

San Diego Mortgage Broker 619-857-7191 | Mortgage Lender 92108

Helping San Diego Actualize Financial Freedom

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

      • Why Move to North Park, San Diego?
      • Why Credit Karma Scores Differ From FICO Scores
      • 5 Reasons to Move to Clairemont, San Diego
      • 5 Reasons to Move to Mission Valley, San Diego
      • Costa Verde Strip Mall Revitalization Project Approved
    • Contact
      • Apply Now
  • Loan Options
    • Loan Options
      • FHA Loans
      • VA Loan
      • Reverse Mortgage
      • Conventional
      • Loan Purpose
    • Resources
      • Today’s Rates
      • Interest Rates & Their Meaning
      • How to Refinance
      • Mortgage Calculator
      • Home Loan Basics
  • Purchase
    • Get Pre-Qualified
  • Refinance
  • Testimonials
    • Media
  • Contact
    • Apply Now
    • Secure File Upload

Set up your consultation now!

(619) 857-7191

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

      • Why Move to North Park, San Diego?
      • Why Credit Karma Scores Differ From FICO Scores
      • 5 Reasons to Move to Clairemont, San Diego
      • 5 Reasons to Move to Mission Valley, San Diego
      • Costa Verde Strip Mall Revitalization Project Approved
    • Contact
      • Apply Now
  • Loan Options
    • Loan Options
      • FHA Loans
      • VA Loan
      • Reverse Mortgage
      • Conventional
      • Loan Purpose
    • Resources
      • Today’s Rates
      • Interest Rates & Their Meaning
      • How to Refinance
      • Mortgage Calculator
      • Home Loan Basics
  • Purchase
    • Get Pre-Qualified
  • Refinance
  • Testimonials
    • Media
  • Contact
    • Apply Now
    • Secure File Upload

How Mortgage Interest Rates Are Determined

March 14, 2014 by Maureen Martin

When you take out a mortgage, the bank as the lender takes a risk. The risks assumed by the lender are expressed in the form of interest rates, and the costs you must pay for obtaining the loan. The calculation of your mortgage interest rate depends on the amount of risk taken by your lender. The interest rate determined for your mortgage is the … [Read more...]

Filed Under: Home Loans, Interest Rates Tagged With: High Debt to Income Ratios, loan, mortgage, mortgage calculator, pmi

FHA Loan Requirements – What You Need To Know

September 4, 2013 by Maureen Martin

The Federal Housing Administration (FHA) provides mortgage insurance on loans made by FHA-approved lenders. FHA insures these loans on single family and multi-family homes, as well as FHA approved condominiums, in the United States and its territories. FHA insured loans require mortgage insurance to protect lenders against losses that result … [Read more...]

Filed Under: Credit, Debt to income ratio, Home Loans, Interest Rates, Loan to Value, Mortgage insurance, San Diego Lender Tagged With: 100% Financing, approval, conventional financing, escrow, fha, High Debt to Income Ratios, High Loan to Value, home loans, lenders insurance, loan, mortgage, Mortgage Insurance, pmi, San Diego, San Diego County

How to Compare Home Loan Rates

July 1, 2013 by Maureen Martin

Finding the lowest-cost home loan can be confusing. But, it has gotten easier thanks to the standardized good faith estimate, or GFE, that the U.S. Department of Housing and Urban Development implemented in January. The new GFE clearly specifies your interest rate, the number of points you're paying for such rate, and lays out the terms of the … [Read more...]

Filed Under: Conventional Financing, FHA Loans, Home Loans, Interest Rates, Low Down Payment, Mortgage insurance, Mortgage Insurance, VA Loans Tagged With: 3.5% down, conventional financing, credit score, fha, home loans, loan, mortgage lender, pmi, San Diego, San Diego County, va, Veteran

Home Loans for First Time Buyers in San Diego

June 25, 2013 by Maureen Martin

Many home loan programs have been specifically created for first time home buyers. These loans feature low down payments and approval guidelines that make it easier to qualify. Some of the more popular first time homebuyer programs are FHA and VA. FHA is a loan that comes from the Federal Housing Administration. These loans are insured loans made … [Read more...]

Filed Under: FHA Loans, First Time Buyers, Home Loans Tagged With: fha, home loans, lenders insurance, loan, mortgage broker, Mortgage Insurance, mortgage lender, pmi, San Diego, San Diego County, va

Private Mortgage Insurance (PMI) in California

June 24, 2013 by Maureen Martin

PMI, or Private Mortgage Insurance is a policy provided by private mortgage insurers to protect lenders against loss. If you are making a down payment of less than 20 percent, you will most likely be required to get PMI. This guarantees that the lender will receive 80 percent of the loan, if you happen to default. The insurance premium amount … [Read more...]

Filed Under: Mortgage insurance Tagged With: fha, loan, Mortgage Insurance, pmi, San Diego

Using a FHA Mortgage Calculator with PMI and Taxes

May 31, 2013 by Maureen Martin

It is soooo important to know that when shopping for a mortgage using a mortgage calculator, that the calculations are accurate. I recently had a borrower coming up with different payment options that never seemed to coincide with the figures that I used, even if we used the same rate. The reason being is that when he was punching in the numbers, … [Read more...]

Filed Under: Home Loans, Home Ownership Tagged With: mortgage calculator, Mortgage Insurance, pmi, taxes

Side Form

Do you have questions?

Give me the details below and I will contact you
within a couple of hours.


    Client Testimonials

    Client Testimonials

    [google-reviews-pro place_photo=https://www.sandiegohomelender.com/wp-content/uploads/genesis-extender/plugin/images/logo-icon.jpg place_name=”Maureen Martin” place_id=ChIJdTXi0JoB3IARFF8EYBtKe-k auto_load=true rating_snippet=true pagination=8 sort=1 min_filter=5 write_review=true text_size=200 view_mode=list open_link=true lazy_load_img=true reviews_lang=en]

    Navigation

    • Home
    • About
    • Testimonials
    • Contact
    • Blog

    Home Loans

    • FHA Loan
    • VA Loan
    • Reverse Mortgage
    • Conventional

    Loan Purpose

    • Mortgage Refinance
    • Home Purchase
    • Get Pre-Qualified

    Resources

    • Home Loan Basics
    • Mortgage Calculator
    • How to Refinance
    • Interest Rates & Their Meaning
    • Today’s Rates

    Locations

    • Mortgage Rates
    • Mortgage Broker
    • First Time Home Buyers
    BBB Accredited BusinessEqual Housing LenderNMLS Consumer Access

    Copyright © 2021 · maureen on Genesis Framework · WordPress · Log in

    Custom Footer

    Mission Statement

    To provide our customers with the highest level of customer service and the most competitive mortgage rate and term.

    Learn more about HomePlus Mortgage

    HomePlus Mortgage NMLS ID: 78669
    HomePlus CA BRE: 0142654

    Corporate Headquarters

    Maureen Martin google map

    Get In Touch

    2878 Camino del Rio S #402
    San Diego, CA 92108
    Phone: 619-857-7191
    Email: maureen@mylifelender.com
    Find Us On Google Maps
    NMLS ID: 247664
    CA BRE License: 01266511

    FacebookTwitterYoutube
    Copyright © HomePlus Mortgage | Terms of Use | Privacy Policy | www.nmlsconsumeraccess.org | Legal: State and Federal Disclosures and Licenses
    www.dre.ca.gov/consumers