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Head Office in La Jolla

1111 Prospect Street La Jolla, CA 92037 CA BRE #01423536

Request for Information

Want to schedule a showing, information on a listing or more information on how to sell your home?

* Please Fill Required Fields *
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Toll Free

1 (858) 333-6458

Working Hours

We are happy to meet you during our working hours. Please make an appointment.

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    • svg
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    Head Office in La Jolla

    1111 Prospect Street La Jolla, CA 92037 CA BRE #01423536

    Request for Information

    Want to schedule a showing, information on a listing or more information on how to sell your home?

    * Please Fill Required Fields *
    img

    Toll Free

    1 (858) 333-6458

    Working Hours

    We are happy to meet you during our working hours. Please make an appointment.

    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.

    Resources

    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.

    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

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

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

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

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

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

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

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

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

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

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

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

    Fencing
    Mr. Fence – (619)223-6790

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

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

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

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

    Pool Services
    Clear Expectations – (858)202-0526

    Windows
    The Glass Guru – (760)994-4441

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

    Bartender
    Matt Gilmo – (619)779-9070

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

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

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

    Locksmith
    ISD Locksmith – (619)335-7969

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

    Notary
    Cody Wagner – (619)916-8146

    Photography
    Brent Haywood – (619)546-5109

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

    Valet
    Preferred Valet – (619)233-7275

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