1111 Prospect Street
La Jolla, CA 92037
CA BRE #01423536
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1 (858) 333-6458
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Mortgage, Finance & Lending
One of the most challenging aspects when purchasing a home resides in financing your home. Income ratios, interest rates, and credit history all play important roles in determining the type and location of your San Diego home. Luckily we are connected to the best lenders and mortgage professionals to help you navigate this process.
You can even use our mortgage calculator to get a head start! Enter your information to get an estimate on the amount of home you can afford, with no obligation. Or, call us, to get a personal evaluation, individual help and become pre-qualified. Our Pacific Sotheby’s International Realty team would love to help you find your San Diego home!
Types of Loans
Fixed Rate Mortgage
Fixed rate mortgages are mortgages where the interest rate stays the same for the entire term of the loan. The advantage to a fixed rate mortgage is that if you lock a relatively low rate, your payment won’t go up when rates do.
Adjustable Rate Mortgage
With an adjustable rate mortgage, the rate of the loan can change throughout the term of the loan. The rate of the loan is based on adding points to a fixed base.
A hybrid loan combines a fixed period along with an adjustable component. Usually these loans are fixed for a period of time and then the loan becomes adjustable where it is dependent on current rates.
An FHA loan is a loan in the United States that is insured by the Federal Housing Administration.
VA Home Loan
A VA loan is a loan in the United States guaranteed by the Veterans Administration. The loan may be issued by qualified lenders. The VA was designed to offer long-term financing to American Veterans or to their surviving spouses.
If you have any specific questions from an electrician to the best place to find an interior designer, feel free to get in touch with us. We have an extensive network of professionals that we rely on.