Encinitas, CA Mortgage Company
Your go to mortgage company near Encinitas, CA celebrating its 26th year in business. In order to assure consumers are finding the best Encinitas mortgage rates it’s important to shop around. We encourage Encinitas consumers to compare so they can see on paper how good we really are. It’s common misconception for Encinitas borrowers to think popular lenders and banks offer a better mortgage. This couldn’t be further from the truth, always know our Encinitas wholesale mortgage rates are lower. A wholesale rate equals a lower payment, saving thousands over the life of the mortgage. Work with a local mortgage company near Encinitas, CA and enjoy the savings of a wholesale mortgage.
The Encinitas, CA Mortgage Company with Options
When it comes to Encinitas, CA home loan options we have them all. Every day Encinitas welcomes new home buyers while current residents refinance their homes.
Home Buyer Options
Home buyers with good credit are settling for our conventional loan with 3% down, some opt to keep the savings in the bank and get a Encinitas, CA home buyer grant to cover the down payment. Our fair and bruised credit borrowers like the Encinitas FHA mortgage option, programs start with lower credit scores and FHA grant options are still an option pending FICO scores.
When it comes to refinancing your Encinitas, CA home you have options. Rate and term, cash out, and debt consolidation are all common reasons to refinance a home. When mortgage rates drop consumers refinance to a lower rate to save on their payment. Some consumers who have adjustable rate mortgage loans refinance into a fixed rate. Those looking to pay off the mortgage faster will often refinance to a shorter term, example from a 30 year fixed rate to a 15 year fixed or even a 10 year fixed term. When consumers are feeling the stress of high interest credit card debt a debt consolidation refinance might be the right option. Paying off high interest debt into a low 30 year fixed rate makes for the ultimate stress reliever. Encinitas residents are also taking cash from their equity to invest in other properties, take a well needed vacation, or even pay for college tuition. Mortgage experts near Encinitas, CA are standing by and ready to help. Connect with a licensed Encinitas home loan specialist, ask questions, see if you qualify, and get free quotes. Call Today (888)416-0920
Mortgage Company near Encinitas, CA
We are the #1 rated mortgage company near Encinitas, CA. Regardless of what a consumer thinks, Encinitas, CA Mortgage Brokers offer a wholesale rate and lower costs. Going directly to the bank or a mortgage lender is not a better option. If you are in doubt, it is always a good idea to get a couple of quotes and compare them. If you still don’t understand the difference between wholesale and retail mortgage rates call (888)416-0920. A Encinitas, CA Mortgage Broker will be able to offer you more programs. Banks and Lenders have set mortgage guidelines including set credit score limits. Mortgage Brokers in Encinitas, CA can work with all types of credit scores.
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My wife and I had the pleasure of being assigned to Ryan Sr. Loan Officer. He was polite, patient, professional and most importantly prepared throughout whole process. Ryan crunched numbers with impressive accuracy, explained documents line by line when we had questions and let us know what to expect so there wouldn’t be any surprises. Ryan is very knowledgeable and had no problem answering questions and sharing very important details which made us feel good about picking Smart Mortgage. Thank you Ryan for all your help and advice.
We applied with other lenders but had been turned down, but Smart mortgage worked with us so we can have our dream home! Our lender Jon, walked us through the process and was very helpful in answering questions promptly. He made the process easy for us. Jon always kept in daily communication with us, so there were no surprises! He made himself available anytime…..even when he was on vacation! The online submission of documents was very easy. Overall we think Smart Mortgage is an excellent company willing to work with people with blemished credit and give them the opportunity to live their dream of home ownership.
We worked with Brian who picked up our loan after our original broker quit working with us. I’ve never seen a more determined, hard working, and dedicated broker in action! Brian was amazing! We could write a book about our experience, bottom line… I wouldn’t work with anyone else or refer to anyone else. He gets it done!
I highly recommend working with Jon for a home loan product. He handled our jumbo loan with the highest integrity and detail. In particular, he helped navigate the legal details associated with our land trust. Our experience was exceptional and will work with Jon in the future.
I highly recommend choosing Brian as your Mortgage guy to make sure you get the house you want. He will make sure everything is done and not only in a timely manner but it gets done correctly. Your closing will go so smooth and there are no surprises with Him! He will be with you from beginning till the End! You will not be disappointed with his service!
Anthony exceeded our expectations in all aspects,going above and beyond he kept us in the loop throughout the whole process and in finding us ways to keep our final expenses as low as possible I feel we got the best deal we could have. We are very happy with our choice.
Anthony was great to work with and was very thorough with explaining the whole process. He was a huge help with any questions we had. Will definitely recommend to friends and family.
Worked with Jon on a refi and it was terrific. My situation was a little bit complicated based on a few moving parts, however, the process went very smooth and all my options were clearly explained as we went along. I’m very pleased with the outcome.
Very impressed. Jon walked me thru a difficult refi of 2 properties simultaneously. Always a quick response to any of my concerns. Would definitely recommend working with them.
The very first time I spoke with Patty on the phone, I knew I would work with her to find my mortgage. Patty has a calm and confident approach to her work that illustrates her knowledge of the industry, The counsel she provided helped position me in a favorable position to buy my dream home. I would definitely recommend Patty to family and friends, and look to work with her again in the future.
Find A Mortgage Company in Encinitas, CA
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Mortgage Company Benefits in Encinitas, CA
- No Application Fee
- Wholesale mortgage rates
- A+ Rating with the BBB
- Refinance with Cash Out
- Grants for New Buyers
- 5 Star Excellent Rating
Find a Mortgage Company near Encinitas, CA (888)416-0920.
Encinitas (Spanish for “Small Oaks”) is a beach city in the North County area of San Diego County, California. Located within Southern California, it is approximately 25 miles (40 km) north of San Diego, between Solana Beach and Carlsbad, and about 95 miles (153 km) south of Los Angeles. As of the 2010 census, the city had a population of 59,518, up from 58,014 at the 2000 census.