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Home Loans In San Diego

The San Diego housing market is both an opportunity and a challenge for homebuyers. While there is a lot of sales activity, it can be challenging to navigate the buying process, including getting a mortgage. Whether you are a first-time homebuyer, looking to buy-up, or need to refinance an existing mortgage loan, it helps to rely on the advice of qualified mortgage professionals.

Community Mortgage is a community-focused mortgage broker serving clients in the greater San Diego area. By collaborating with a network of respected mortgage lenders, we provide our clients with a wide range of financing options. Our dedicated team offers comprehensive, personalized service and has a track record of bringing borrowers and lenders together. If you would like to discuss your mortgage needs, please call our office today at (619) 692-3630 to schedule a consultation.

TYPES OF MORTGAGE LOAN PROGRAMS

Our experienced mortgage consultants take the time to understand your financial situation and unique objectives and help you explore a wide range of options to finance a home purchase or refinance a current loan.

Buy a Home in San Diego CA

Home Purchase Loan

For many individuals, buying a home, condominium or property will most likely be the single largest financial transaction that they will undertake during their lifetime. This is an investment in the future, since the property values historically increase over time. And to make such a big purchase , most prospective home buyers need to obtain a home purchase loan. With the competitive pricing on San Diego homes and the risk of overextending your family. It is valuable to have the advice and counsel of experienced mortgage consultants.

At Community Mortgage, we know that qualifying for a loan hinges on a number of factors, such as your income and creditworthiness. Our team works to arrange a home purchase loan that is affordable and suits your financial situation. We can also help you obtain a loan to cover the cost of improvements on an existing home or one that you intend to purchase.

Currently, obtaining a loan can be difficult because lending requirements are strict and banks tend to reject borrowers who do not meet specific criteria. By working with multiple lenders, we help you secure a mortgage loan at a reasonable interest rate and with good payment terms for your situation.

Mortgage Refinance in San Diego CA

Refinance

For those who already own a home and are paying monthly mortgage payments, this might be the right time to consider a refinance. With a properly structured refinance, you can obtain a lower interest rate or change the term of the mortgage loan. In so doing, you can lower your monthly payments, save money, build equity in your home and improve your credit score.

OTHER MORTGAGE LOAN PRODUCTS

Our team of mortgage professionals may also recommend a variety of other mortgage loans that may better suit your needs, including:


Conventional

A conventional mortgage loan is one that is not insured or guaranteed by the government, such as the Federal Housing Administration (FHA) or the U.S Department of Veterans Affairs (VA). Conventional loans can have fixed or adjustable rates, and typical terms are 30, 20, and 15 years.

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Jumbo Loans

Also referred to as non-conforming loans because they do not conform to the loan limits set by Fannie Mae and Freddie Mac – presently $424,100 for a single family dwelling. Borrowers in San Diego often require jumbo mortgage loans because of the higher home values in the area. These loans tend to have higher interest rates than conforming loans.

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Super Conforming Loans

Also known as a “high-balance” conforming loan, these loans allow qualified borrowers to pay a lower interest rate, despite the fact the loan is available for a more expensive home because San Diego is designated a high-cost area.

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VA Home Loans

The VA guarantees loans made by private lenders to eligible veterans who meet certain credit criteria. No down payment is required since the VA guarantees up to 25 percent of the loan amount, not greater than the present loan limit of $612,950 in San Diego.

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FHA Insured Loans

These loans are provided by private, HUD approved lenders and insured by the Federal Housing Administration. FHA insured loans only require a 3.5 percent down payment. However, borrowers are also required to obtain mortgage insurance. FHA loans are ideal for first-time homebuyers who are unable to make the 20 percent down payment necessary to qualify for a conforming mortgage loan.

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Reverse Mortgage

Designed for senior citizens to provide income to pay monthly bills by converting some of the equity in the home into cash. Payments on the new loan are not due until the home is sold or vacated. A reverse mortgage allows the owner to maintain title to the home and pass it on to his or her heirs as part of the estate.

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First Time Buyers

The dream of homeownership is alive and well, despite the elevated home values in San Diego and the complexities of obtaining a mortgage loan. While navigating the real estate and mortgage markets can be daunting for many first time home buyers, you can turn your dreams into reality by working with experienced mortgage professionals.

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Why you should call Community Mortgage

At Community Mortgage, our team is dedicated to serving home buyers, owners and sellers in San Diego. Knowing that the mortgage loan process is complicated and frustrating, especially for first-time home buyers, we work closely with you to secure the best financing option. Our mortgage consultants guide you through the process and explain everything along the way so that you can make an informed financial decision. We help you complete the application, review your credit report, and collect all the necessary documentation that lenders typically require to approve a mortgage loan.

Our mission is to build the community by educating consumers and helping them reach their goals. Call our office today at (619) 692-3630 or click the button below for a free, personalized consultation to learn about your best mortgage options.

See What Our Clients Are Saying About Us!

lauren garcia
lauren garcia
13:35 19 Sep 21
Great communication from day 1. Sean and his team kept me up to date on everything happening with my loan and were patient with me and all my questions. I couldn’t have asked for a better experience.
jaime perez
jaime perez
22:16 14 Sep 21
Kay McCain
Kay McCain
19:54 13 Sep 21
Sean, Aryn and the team at Community Mortgage were amazing! I’ve worked with several mortgage brokers and direct lenders in the past and they are by far the best! Sean took time to consult with me... and learn my financial goals up front and recommended the best approach and products according to my needs. The knowledge, experience and personal service they provided, combined with the tools they use, including video emails, online file tracking/notifications etc. made this lending process the easiest and best I’ve experienced! Plus They locked in a great rate and we closed in record time! I have full confidence in the team, will work with them exclusively in the future and highly recommend Community Mortgage!!!read more
Noelle webster
Noelle webster
19:38 13 Sep 21
Melissa Ritchason
Melissa Ritchason
19:28 08 Sep 21
Dan Mccabe
Dan Mccabe
23:25 03 Sep 21
We have refinanced our home multiple times and by far Community Mortgage is the easiest to do business with. Thanks again, Sean and Team!!
Dean Szwabowski
Dean Szwabowski
21:22 18 Jul 21
David Jones
David Jones
23:56 13 Jul 21
My experience with refinancing with Sean and the team at Community Mortgage was completely refreshing. He explained everything up front and I was working through the process in no time. We were... able to grt approved in less than a month. I would certainly recommend their services.read more
Evan Miller, Ph.D.
Evan Miller, Ph.D.
20:12 13 Jul 21
Hands down the best mortgage company I've worked with. If you want speed in closing, fast communication, no runaround, and the entire loan process buttoned up front to back, then look no further. All... we had to do was show up and sign. Community mortgage got us the best rate with the least money to close. Couldn't be happier. Total professionals. They blow away the mega-lenders. Two big thumbs up!read more
Kymberly Nelson
Kymberly Nelson
20:08 13 Jul 21
Paula Marden
Paula Marden
15:59 13 Jul 21
Jamie and his group are incredible! Simple process that they guide you through every step. I have refied through them several times and would not go through anyone else. Great company.
Gino Thiers
Gino Thiers
20:12 08 Jul 21
This is our second time refinancing with Community Mortgage and with The Mortgage Dr & Aryn. First time was fantastic and second time was too. They set accurate expectations and worked hard to get... what we wanted pushed through in a timely manner. We highly recommend Community Mortgage.read more
Smita Samel
Smita Samel
09:51 24 Jun 21
helped very much thankyou
Leslie L
Leslie L
18:58 28 May 21
Great people to work with! Made my refi a breeze!
Carrie
Carrie
23:20 27 May 21
They were able to refinance us saving us a ton of money each month. They were extremely professional, responsive and easy to work with. Would recommend over and over!
Kim Sharp
Kim Sharp
20:17 27 May 21
Sean started the refinance process by presenting a video to walk us through different options. It was a unique and efficient way to guide us through the information. We got a low rate with very... reasonable closing costs. Sean and Emily were attentive and helpful throughout the process. We would use Community Mortgage again.read more
Xenia Grushetsky
Xenia Grushetsky
18:22 22 May 21
Great experience working with Community Mortgage! The refinancing process can be really stressful, but Jamie and Brandon handled everything very well, stayed on top of things and the entire team was... very responsive. Glad I chose them.read more
Olga Korchyga
Olga Korchyga
20:27 20 May 21
Community Mortgage team is knowledgeable, efficient and friendly. They made the loan process very easy and stess free. I highly recommend them and I will be referring friends and family.
Joshua Bonnici
Joshua Bonnici
18:17 17 May 21
Just bought our first home and the process was really smooth and fast with Community Mortgage. Had a ton of questions, and I always got quick and detailed answers. Would highly recommend!
Feliz
Feliz
17:58 20 Apr 21
I've used community mortgage when I bought my house and 10 years later I've used them again to refinance. Both times they provided amazing service and clear communication is what I like the most... about them. I don't ever feel that I have to follow up to find out the progress of the loan. I have recommended them for years to family and friends, all of them have had pleasant experience! Thank you Community Mortgage.read more
Sarah Johnson
Sarah Johnson
21:54 12 Apr 21
After years in the mortgage and investment property business, I am extremely picky about my mortgage professionals. Most of them are a dime a dozen and not very informed. Community Mortgage is... professional, well informed, they work hard to navigate issues (which always arise), and they take personal ownership to ensure clients are satisfied. I highly recommend Community Mortgage.read more
Dana Gregg
Dana Gregg
20:51 12 Apr 21
The Community Mortgage team was amazing to work with during our re-finance! They helped make sure it was a seamless process, talked us through every step and provided support and detail whenever we... needed it. The whole team was very quick to respond to questions, and always friendly. We highly recommend them!read more
Bobby Jones
Bobby Jones
20:23 12 Apr 21
Friendly and helpful. They guide you step by step through the process.
Lucas Orr
Lucas Orr
15:35 10 Apr 21
We have used Community Mortgage 3 times to refinance our home over the 13 years we’ve owned it. Every time has been an amazing and smooth experience, which is why we keep going back.Sean and his... team always offer multiple options with detailed analysis so you can choose what works best for your particular situation.We will be back when the time comes again!Thanks Sean and Team!read more
june tiu
june tiu
09:14 09 Apr 21
Great company ! Everyone is very responsive and professional. Would highly recommend to others !!!
Bob Griswold
Bob Griswold
23:58 07 Apr 21
Great rates and fabulous service from Sean and the entire staff.
Philip McNiven
Philip McNiven
21:25 07 Apr 21
The best refinance experience I’ve had. Ethical, professional, courteous, and first-rate. It all worked out perfectly despite my apprehensiveness (should I spend to get a lower rate?). My initial... talk with Sean was more strategic, discussing how the refinance would fit in with my long-term financial goals. Then Jamie took over and he was patient and diligent, spending an extraordinary amount of time to answer my many questions. Lastly, Emily handled all the details and paperwork superbly. Kudos. Would highly recommend.read more
David Reese
David Reese
20:24 07 Apr 21
Robert Behl
Robert Behl
20:09 28 Mar 21
Jaimie was extremely helpful. I've used them a couple times and the were super honest, thorough with their services and great rates! Even when I was Shopping other places Jamie was helpful in showing... the pros and cons in each option i was looking at. Highly recommend if you are looking for a company that has good communication as well.read more
Susan Gotz
Susan Gotz
23:04 28 Feb 21
Sean and Aryn and their crew have helped me with all of my mortgage refis over the years. Sean, Aryn and staff are always totally involved and make sure that everything is handled efficiently,... satisfactorily and professionally from beginning to end. Nobody misses a beat during the process. I am the kind of person who stresses over things, but no need with Community Mortgage. These guys are the best. Community Mortgage is the place to go.read more
Carrilynn Ford
Carrilynn Ford
23:42 27 Feb 21
Wow. Just wow. The team at community mortgage is second to none. Sean and Aryn specifically went above and beyond! My loan was straight forward, but my income was confusing to underwriters, I work... for myself, I have a couple rentals, my income was scattered and hard to pinpoint. They took the time and effort to ensure I was in good hands, and I was. I was denied loans from 4 other mortgage brokers because my income was “too confusing”. I almost gave up, but was introduced to them, and now I have my dream home. Thank you Aryn, specifically, for making this happen. You went above and beyond.read more
Yuka Wada-Kaneko
Yuka Wada-Kaneko
03:43 23 Feb 21
Jamie was very professional and always responded to my questions or concerns right away. We even thought it was too good to be true and doubted it’s a scam.Highly recommended😊
Kim Elliott
Kim Elliott
22:19 22 Feb 21
Karl Manittle
Karl Manittle
22:16 22 Feb 21
It was very pleasant to work with Community Mortgage for my refinance. They were professional and very responsive and that's very important to me. They answered my questions thoroughly and got the... job done quickly. Highly recommend it.read more
Scott Phillips
Scott Phillips
22:33 23 Jan 21
Working with Community Mortgage was outstanding. They are very organized, good communicators and solution oriented. Highly recommend.
LYNNETTE padrigo
LYNNETTE padrigo
16:22 19 Jan 21
Very friendly group! Will take time explain every detail. Really wonderful experience with them!
Marisa Alvarez
Marisa Alvarez
02:35 15 Jan 21
Community Mortgage was very helpful through the entire process and with all the questions I had. Everyone on the team was extremely helpful and friendly. I highly recommend their service.
Sheila Banducci
Sheila Banducci
19:12 13 Jan 21
Very friendly and professional. We did a refinancing of our mortgage. It moved along quickly. We got a good rate. Definitely recommend this group
M Gonzalez
M Gonzalez
03:54 08 Dec 20
Becky Green
Becky Green
19:05 16 Nov 20
We just finished re-financing with Community Mortgage and they were great to work with, responsive and patient with all our questions. We got the best rate and paid off some debt that had really... been bothering us! Thank you Community Mortgage!read more
Anna Winn
Anna Winn
21:25 11 Nov 20
Spoke with several staff members as well as a few meetings with Sean during my refi. All were so friendly and professional. Also they actually apologized when contacting me on my vacation about... deadlines. This was so different from my previous refi experiences when demands were made on me to sign something within 30 minutes or else...! Another unusual bonus: when I asked Sean a question, he gave me his opinion and what he would do in my situation. Not just wishy-washy disclaimers about how no one can predict The Fed, etc. The entire process was painless and I have never been able to say that before.read more
Aaron Brandenburg
Aaron Brandenburg
19:09 11 Nov 20
John Mc Kinney
John Mc Kinney
18:42 11 Nov 20
Will Breiholz
Will Breiholz
19:07 10 Nov 20
I've done business with Community Mortgage many times. The entire team is courteous, responsive and knowledgeable - 100% professional and they got me a great rate on my refi. I highly recommend... Community Mortgage.read more
Rolf Hains
Rolf Hains
23:12 06 Nov 20
Stephen Campion
Stephen Campion
18:40 06 Nov 20
Community Mortgage did a fanatic job for me on a refinance, Jamie kept me up to speed on the progress and was really responsive on any questions I had.
Gina Passmore
Gina Passmore
18:36 06 Nov 20
This is the first mortgage company I have worked with that went above and beyond to answer my incessant questions and reassure me throughout the entire process. Their follow up and guidance was... impeccable. We will go Nowhere else when shopping for a mortgage or refinance in the future!read more
Robert Kaiser
Robert Kaiser
17:43 05 Oct 20
Throughout the process they were always updating me and helping me figure out way to overcome obstacles. I would recommend 10 out of 10 times!!
Alicia Crawford
Alicia Crawford
01:01 01 Oct 20
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!read more
Jeremy E
Jeremy E
17:47 30 Sep 20
I was referred here by a friend. I really appreciated their efficiency and professionalism on my refi. Additionally, i got a nice surprise a few days before closing when they called to let me know... they were able to secure a lower interest rate.read more
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