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A home is one of the largest financial commitments that a person will make during their life, and many people view their home financing as meaning just another monthly payment. We help our clients realize that their home is truly a valuable financial tool that if managed properly will lead to wealth accumulation and will help them achieve the dreams and plans they envision for their future.

Mortgage Programs

The Mortgage Planners offer a wide variety of mortgage loan programs including, but not limited to: Conventional Fixed and ARMs, Jumbo loans, FHA low down payment loans, VA and USDA 100% loans, and renovation loans.

Conventional Fixed: Traditional 30 year and 15 year fixed mortgages, along with 20 year and 10 year fixed options.

Conventional ARM: We offer adjustable rate mortgages that are fixed for the first 3, 5, 7, and 10 years (3/1, 5/1, 7/1, 10/1) and then will adjust to the current market. These loans typically will have lower interest rates to begin with than a traditional fixed rate mortgage. They are available with fully amortizing or interest only options.

Jumbo Loans: We have fixed rate jumbo loans up to $2 million and ARM jumbo loans up to $5 million. We also offer asset depletion and pledged asset programs.

FHA Loans: FHA allows a low down payment of 3.5% and credit scores down to 580. FHA loans are great for first time homebuyers because it allows all of the down payment and closing costs to be gifted, but you don’t have to be a first time homebuyer to use.

VA Loans: VA loans are available to veterans and allow for 100% financing up to the county limit. In San Diego County the VA loan limit is $537,500 for 2011

USDA Loans: USDA loans are offered by the department of agriculture and allow 100% financing for rural properties.

Renovation Loans: We offer several options for renovation loans which allow the cost of renovations to be included in the loan amount. These loans can be used for purchases or refinances.