Mortgage, Finance, and Lending

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.

Hybrid Loan

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.

FHA Loan

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.

Remodeling & Design
Green Building
Home Inspection
Contractor Services
Misc Resources

Mortgage Lenders
Sean Cosgrove @ Integrity First Financial Group – (858)336-6021

Foreign National Lenders
David J. Pressly @ HSBC Bank – 858-342-2063
Daniel Schroeder @ BBVA Compass Bank – 858-356-2601

Insurance (Homeowners+more)
Right Time Insurance – (619)299-6000

Financial Planner
Ron Ferrari @ Bernstein Global Wealth Management – (858)210-5031

Attorney (Divorce) @ Law Office of Tess Reutzel – (619)550-1042
Attorney (Estate Planning) @ Mary Clarno Attorney at Law – (619)236-8272

Scott Crowder @ Hillcrest Tax Service – (855)885-1040

Remodeling & Design

Interior Design
Taylor Meyers @ Taylor2000 – (619)339-2727

Ryel Landscapes and Home Services – (619)719-7475

Green Building

Solar Panel
Steller Solar Electric – (760)603-8500

Solar Lender/Financing
Ismael Vasquez @ San Diego Metropolitan Credit Union – (619)297-4835

Home Inspection

Chimney Inspection
Chimney Safety Experts – (800)489-9984

Bjorn Nichols @ Search Light Inspection – (760)685-4550

1st Choice Pest Management Inc – (760)630-7178

Mold Remediation
Fred Erwin @ Servpro – (619)583-2133

Contractor Services

Beck Electric and Data Services Inc. – (619)997-2325

Mr. Fence – (619)223-6790

Nate Luciano @ Luciano Hardwood Flooring – (858)945-0228

Garage Doors
Tim Smyth @ Mighty Garage Doors – (858)547-0088

Dominic Carr @ Independent Plumbing – (619)920-8858

Carlos Hernandez @ Roof RX – (619)994-7481

Pool Services
Clear Expectations – (858)202-0526

The Glass Guru – (760)994-4441

Misc Resources

Sash Matsumoto @ Matsumoto Appraisal – (760)612-7812

Matt Gilmo – (619)779-9070

Come On In Catering Services – (858)864-9607

Cleaning Services
Tranquil Homes – (858)-848-0881

Jesse Prado @ Great Pacific Escrow – (858)222-6212

ISD Locksmith – (619)335-7969

Moving and Storage
Bernardo Moving & Storage – (858)487-6683

Cody Wagner – (619)916-8146

Brent Haywood – (619)546-5109

John Barr @ American Coast Title – (760)822-6345

Preferred Valet – (619)233-7275