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Best Mortgage Broker in San Diego CA

At Community Mortgage we focus on educating borrowers about the loan process and keeping you informed during the process
Open today until 6:00 PM
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Updates

FHA Loans vs. VA Loans in San Diego

When a veteran is preparing to buy a home, they often ask “Is a VA loan better than an FHA loan?” The answer is “YES.” It’s important to understand the type of loan you’re applying for. After all, you’ll be paying on that mortgage for the next 30 years. The lo...

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Understanding the 4 Types of VA Loans in San Diego

If you’re a veteran and buying your first home or refinancing your existing mortgage, it’s important that you understand the different types of VA loans that are available. Here are 4 that veterans can take advantage of:

Streamlined VA Refinanc...

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What is a “Streamline” San Diego Refinance?

Streamline refinancing applies to existing FHA loans. These loans are FHA-insured and issued by Federal Housing Administration approved lenders. Furthermore, they were created to accommodate low to medium income earners and require lower credit scores ...

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Recouping Your Refinancing Costs and Fees in San Diego

When you’re thinking about refinancing your home, there’s more to it than the interest rate. There are closing costs to consider which can be steep and could be as high as 5% of the loan principal. So if you’re buying a $200K home, you’d be ...

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5 Reasons Why Fall is the best Time of Year to buy a Home in San Diego

Although individuals and married couples choose different times of the year to purchase their first home, here are 5 reasons why fall is the best time to invest:

Bigger home inventory to choose from – fall is often when we f...

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The Importance of Equity when buying a Home in San Diego

The equity that increases over time enables you to build wealth. This is what makes investing in a home such a valuable proposition. The money spent on your mortgage retains value as opposed to paying rent. Once your home is paid off, your...

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What is the difference between purchasing a Home in San Diego by Yourself and with a Partner?

Whether you apply for a home loan as a couple or as single man or woman, it usually has no bearing on your eligibility. This is because the criteria for approval and loan terms are similar for married o...

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Is a San Diego Conventional Home Loan right for the first-time Home Buyer?

In the world of finance, the most common types of mortgage loans are conventional home loans. Private financial lenders usually fund these loans and then sell them to Fannie Mae and Freddie Mac (government-sponsored corpo...

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5 Types of Conventional Home Loans in San Diego

Conventional home loans are any type of loan that isn’t guaranteed or insured by a government agency. Although many of these loans conform to credit score and income minimums as well as loan limits that have been established by the Federal Governme...

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Testimonials

2 months ago
My wife and I are first time home buyers, so naturally we had a ton of questions regarding the lending process. The community mortgage team (Jamie, Emily, Aryn) were fantastic to work with. They were extremely accommodating and explained thoroughly on what to expect during the process, which put us at ease! They even went above and beyond by reached out to listing agent to provide assurance that we were strong borrowers which may help winning an offer in a competitive market. They responded to all my questions as thoroughly as possible and always in a timely manner. Because of their guidance, our financing process were as smooth as it can be. We look forward to working with them again in future real estate transactions.
- Chao L
2 months ago
Jamie, Aryn & La Ray at Community Mortgage make an outstanding team! They truly care about what is best for you and your family. They continue to prove to be lifelong partners for your family. We bought our first home four years ago and were new to the process. They walked us through everything and took care of us. We were very pleased with how easy they made our loan experience. Now a few years later, we refinanced and they helped us yet again. They are very involved in the process to ensure everything is taken care of. Thank you for your excellent communication and for all your help! We are SO happy we refinanced and that you were able to save us so much money for our family!
coastaljules1
2 months ago
It was an absolute pleasure working with Community Mortgage!!! I worked with Sean, Jamie and Aryn to refinance my home and the experience exceeded all expectations!! While the refinance process may have taken longer than ‘normal’ due to COVID-19, they were there every step of the way, ensuring I received the lowest rate possible and promptly answering every question I had. I wish I had worked with Community Mortgage when I first bought my home! I never felt like “just another client”, they were patient, detailed, insightful, reliable and I felt valued as a client! 10/10 experience all around!!! I highly recommend working with them! You will not be disappointed!
- Alicia C

#1 Mortgage Lender in San Diego CA

Would you like to live in your own house? Do you have the money to pay for it? If you don’t, don’t worry. We at Community Mortgage can help you. 

Community Mortgage is the best San Diego mortgage company that you can trust. 

We specialize in helping our customers in the complicated mortgage process; especially we guide our first-time borrowers and persons with challenging credits. 

If your dream is to buy your own house, call us, we at Community Mortgage, your mortgage company near me, will explain to you the confusing mortgage process and will help you to obtain your loan.
We know that asking for a loan is a very difficult financial decision, considering that it involves your family’s financial stability. 

That is why you have to be informed before taking a tough decision. We at Community Mortgage, your San Diego mortgage lender, educate our borrowers about the lending process and accompany them during all the activities.
With years of experience in the mortgage industry, we know how to make the process fast, accessible, and pleasant considering that there is a lot of paperwork involved. 

What you have to do first is to schedule a consultation with your San Diego mortgage broker, who will help you define your mortgage plan. 

When the plan is ready, and you are sure of the big step you are going to take, you have to apply for the pre-approval, and the process starts. 

Our mortgage broker near me 
professionals at Community Mortgage can advise you when choosing the house you want to buy. 

You also have to choose the type of financing options you may select. There is a variety of mortgage loan programs.
 
At Community Mortgage we offer the following loan options: 

  • Home Loans
  • Conventional Loans
  • FHA Loans
  • Super Conforming Mortgages
  • VA Loans
  • Jumbo Loans
  • Reverse Mortgages
  • Home Purchase
  • Refinance

The lending requirements are difficult to fulfill and banks try not to authorize loans to borrowers that do not comply with certain criteria. 
 
The mortgage company San Diego citizens suggest to first-time borrowers is Community Mortgage. We can suggest the lender you have to choose who will give you a mortgage loan with acceptable payment terms and at an affordable interest rate. 
 
Some mortgage brokers San Diego has suggested you refinance your previous mortgage. You can refinance it and change the interest rate you are now paying for a lower one or you can ask for a different loan term. When you refinance your loan you can pay less and at the same time, you improve your credit status. 

You can also apply to a conventional mortgage loan that is not issued by the government through FHA or VA. In a conventional loan, you can have fixed or adjustable rates, with terms of 30, 20 or 15 years to pay it. In any case, you have to make a down payment of 3 to 20 percent of the total loan. 

To have your application approved, it is necessary to have a good credit score. It is also required to have enough income to afford the payments which represent less than 31 percent of your income.
Whenever you are ready to apply for your mortgage loan, call us, remember, we are the mortgage brokers San Diego citizens trust. 

Community Mortgage
814 Morena Blvd #310 San Diego, CA 92110
(619) 692-3630

The best mortgage broker in San Diego is Community Mortgage and they serve all of San Diego, California.

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  • (619) 762-3911
  • (619) 692-3630

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814 Morena Boulevard #310
San Diego, California 92110
United States

Business Hours

Mon:9:00 AM – 6:00 PM
Tue:9:00 AM – 6:00 PM
Wed:9:00 AM – 6:00 PM
Thu:9:00 AM – 6:00 PM
Fri:9:00 AM – 6:00 PM
Sat:Closed
Sun:Closed
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