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A
"The entire transaction was very easy. A lot of paperwork but that is part of the refinancing puzzle. Once my paperwork was complete
found" me a new lender with better rates with the same terms. My wife & I went to Trinity Title, signed the paperwork and began saving money each month. Easy does it.

-F T C.

N
"This is the second time that I have worked with
,
, and team in the last two years and I can't say enough about" the experience! First of all the rate and terms provided were the best that I had seen in the marketplace (I was able to reduce my rate, remove my PMI, and get a 4,000 lender credit towards my refinance more than offsetting the costs of the refi and title company charges). Secondly (and just as important), they were in frequent communication with me throughout the process. They even monitored the rates and were able to get me an addition 1/8th of a percent lower right before the rates moved up again! I would highly recommend them and always do so for friends and family buying or refinancing.

-Michael S.

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Local Articles in El Cajon

Mortgage Loans

Taking on a mortgage loan is a massive responsibility. Not only is it a huge expense, a mortgage loan is also a complicated set of concepts, options and obligations. Read on to learn how to navigate the turbulent waters of a mortgage loan by learning the fundamentals behind it.

house with large driveway
Real Estate Agents, Appraisals - Real Estate, Mortgage Companies

As prime real estate season approaches, and you ready your house for the market, you might be tempted to forgo hiring a Realtor and represent the listing yourself. After all, how hard can it be to sell your own home?

Understanding more about the home loan process can take some of the mystery out of it and make this exciting purchase less stressful. (Photo courtesy of Angie's List member Todd C. of Seattle)
Mortgage Companies

Who are these people and how will they help you get a home loan? Discover answers to many of your mortgage questions.

Always play it safe and disclose everything directly to your loan officer, says Goldhirsh. (Photo by Ray Alderete)
Mortgage Companies

Avoid home buying pitfalls by following three simple steps to filling out your mortgage loan application: be accurate, omit nothing and tell it like it is

The type of loan you qualify for relies heavily on your credit portfolio. (Photo courtesy of Angie's List member Mark R. of Atlanta)
Mortgage Companies

A home will likely be the most expensive purchase you make. Learn about the types of home loans available and the loan requirements you'll need to meet.

Angie's Answers

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Yes! Movie tickets, 2 hours at the spa, 10 rides at your local "iFly", etc. Bottom line: You know your clients. Find out what they do to reward/pamper themselves and give them that!

Hope this helps!

David Gowans

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As with anything like this, some are scams, some legit but poorly organized or run, some legit. There are a few new companies set up by hedge funds just getting into rentals and into buying foreclosed properties in good shape, which they then rent or lease and will, in some cases, allow rent to partly apply to purchase.

 

Before you even think about this type of arrangement, you should have it THOROUGHLY reviewed by a lawyer, because once you get into it you will be stuck, and most likely there will be a LOT of terms restricting your investment. Considering the average person moves every 5 years or so for employment or family or medical reasons, and generally these sort of arrangements have to be carried through to completion to get ANY of your investment back out of the deal, it is generally a losing proposition for almost everyone - a fact the companies count on.

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Mortgage Brokering reviews in El Cajon

A

Rating
This is absolutely the best place in
El Cajon Mortgage Brokers Provider Name Locked
to go if you are House Hunting and need someone honest and easy to work with. Ev is the best! She is knowledgable in every aspect of the process and explains everything in an easy to understand manner. She is quick to answer questions and get back to you with whatever information you need. She also has a big heart and cares about the Clients she works for.
- Catherine M.
A

Rating
As two working parents with young children, my husband and I thought we would never have time to refinance our home loan. It seemed like it would be such a hassle to shop rates, talk to lenders and pull together all of the required information.
El Cajon Mortgage Brokers Provider Name Locked
made it so
El Cajon Mortgage Brokers Provider Name Locked
. He had an easy to follow checklist and made a point to touch base and keep us updated on the status of things. He was professional, kind and always took the time to answer our questions. I always felt that he had our best interests in mind. In addition, the whole process was very low stress and quick! Thanks to
El Cajon Mortgage Brokers Provider Name Locked
and his team, we are enjoying a great rate and they did all of the hard work!
- Amy M.
N

Rating
Though I’d just bought my home (and worked with
El Cajon Mortgage Brokers Provider Name Locked
for my mortgage) rates dropped enough 6 months later to make a difference in my payments. I got back in touch with
El Cajon Mortgage Brokers Provider Name Locked
and quickly was able to lock-in the lower rate before they crept back up.
El Cajon Mortgage Brokers Provider Name Locked
works fast, and is very responsive to requests. He was helpful through the process of refinancing and was able to move things along quickly. My experience with refinancing is that you can have a rate lock for 45 days and then you have a decent amount of time to schedule an appraisal and then closing. In my case I wanted everything to happen sooner rather than later and
El Cajon Mortgage Brokers Provider Name Locked
and his team were able to make it happen. I absolutely recommend them!
- Jason R.
A

Rating
This provider is a real estate agent of the
El Cajon Mortgage Brokers Provider Name Locked
caliber. The client gets no high pressure sales pitch and only the most trustworthy professional advice available. We highly recommend
El Cajon Mortgage Brokers Provider Name Locked
to all of our friends simply because he is an agent with the highest standards and one who, although busy, always manages to get back to you with answers to all your concerns,
El Cajon Mortgage Brokers Provider Name Locked
is also very good at determining property values in a frequently changing
El Cajon Mortgage Brokers Provider Name Locked
. This ability enables one to make a good offer on a property as well as a obtain a good selling price if that is needed. He is adept at representing either the buyer or the seller, depending on your need.
Please note that
El Cajon Mortgage Brokers Provider Name Locked
and Loans is now located at 1525
El Cajon Mortgage Brokers Provider Name Locked
Blvd., San
El Cajon Mortgage Brokers Provider Name Locked
, 92101
Phone:619-569-2592
- Diane B.
A

Rating
I have been following mortgage rates for some time, and I noticed that
El Cajon Mortgage Brokers Provider Name Locked
was often the best rate.
Thinking that it was another bait-and-switch, I ignored them for a while, but when rates started falling I decided to give them a call to find out if they would honor the advertised rates posted on Zillow.com.
Sure enough Chip said they would honor that and even provided some alternative mixes of rates and closing costs.
In the end Chip was able to get me a 3/8 reduction in my mortgage with ZERO closing costs. This included his lender fees, and third-party fees that often creep in. Basically he was able to get me a rate that had a lender credit to cover all of those costs.
Working through the process was painless- it was the smoothest of the 3 refi's I've been through.
Everyone I dealt with in the process was excellent, from Chip who I worked with for the application and getting the rate,
El Cajon Mortgage Brokers Provider Name Locked
who handled all of the paperwork, to the appraiser and closing law firm.
They use a secure portal for exchanging documents and files, so you don't need to send your taxes through email like some others.
The closing took 30 minutes and we were able to do it one evening after work.
I have already recommended
El Cajon Mortgage Brokers Provider Name Locked
to friends, and will continue to do so.
- Ari K.
F

Rating
I've banked with BOA for 32 years, long before they purchased what was originally SeaFirst. My family has multiple accounts with them including several credit cards accounts. Not unlike previous reviewers, I recently paid my mortgage via online banking and they processed the same payment a second time a few days later. Not only did they debit the second payment, they said that I arranged the second payment myself online. They told me that I had decided to pay my mortgage twice.
This comes after several years of complete insanity with BOA credit card services. Purchases made during the holiday season were repeatedly declined, leaving me in front of a cashier and other customers having to explain why my card did not go through. So I started call them before I made the Christmas purchases to let them know I was about to use my card. I was given the go ahead by a live sales rep -- and then my card was again denied at the cash
El Cajon Mortgage Brokers Provider Name Locked
. I called the BOA reps again was greeted by a condescending man who began blaming me for the error.
This weekend we drove out of town for a short weekend trip and while attempting to use her debit card at a store she's been shopping at for 30 years, my wife's debit card was denied at
El Cajon Mortgage Brokers Provider Name Locked
.
Our family has a near perfect credit rating. Every card bill is paid off completely at the end of the month. There is no way BOA deserves ours business. We'll be closing most accounts, including our children's soon. If I could close my three BOA credit card accounts at once without impacting my credit rating, they'd be gone too. Those will be gradually closed.
After a three decade customer relationship with
El Cajon Mortgage Brokers Provider Name Locked
, I would strongly recommend you not bank with them.
- Danny H.
A

Rating
El Cajon Mortgage Brokers Provider Name Locked
,
El Cajon Mortgage Brokers Provider Name Locked
, and the team at
El Cajon Mortgage Brokers Provider Name Locked
are one of the most punctual, professional, and knowledgeable groups we have encountered not just in financial services, but in any type of service.
El Cajon Mortgage Brokers Provider Name Locked
assisted us in securing the original mortgage loan on our home in April 2012. When our real estate agent went MIA during our negotiations with the existing owner,
El Cajon Mortgage Brokers Provider Name Locked
stepped in and assisted with her role as well as his own. In early 2015, it came time to refinance.
El Cajon Mortgage Brokers Provider Name Locked
found us a Lender who allowed us to shave 3/4 of a percentage point off of our interest rate, eliminate mortgage insurance, and cut our loan term from 23 years down to 15 years, saving us tens of thousands of dollars over the life of the loan. Emails or phone calls to
El Cajon Mortgage Brokers Provider Name Locked
and
El Cajon Mortgage Brokers Provider Name Locked
were always returned within no more than a few hours.
El Cajon Mortgage Brokers Provider Name Locked
was always willing to have discussions in the evenings, which was very important as we are a household with two full-time workers. The process took roughly 45 days from first contact to closing. And the closing agent from the settlement company even came to our house in the evening to get the final paperwork signed. We would recommend
El Cajon Mortgage Brokers Provider Name Locked
to anyone who asked, and have already recommended
El Cajon Mortgage Brokers Provider Name Locked
to even those who haven't asked.
- Sheri M.
A

Rating
This was my third house and the whole process was seamless. I wasn't asked multiple times for documents that I had already sent and I was always kept informed of where the loan was. If I had a question,
El Cajon Mortgage Brokers Provider Name Locked
was always timely and responsive. The whole process was easy and seamless. Will use him again in the future if I buy another house.
- Traci B.

All Mortgage Brokers in El Cajon, CA

Companies below are listed in alphabetical order. To view top rated service providers along with reviews and ratings, Join Angie's List Now!

1st Carlsbad Mortgage

7046 Heron Cir
Carlsbad

99LENDERS.com

2210 E Vista Way
Vista

A & M PROCESSING

2700 Navajo Rd
El Cajon

Above All Real Estate Services, Inc.

701 Palomar Airport Road
Carlsbad

ACCESS MORTGAGE

3570 Rancho Road
Redding

Advantage Funding

31 Martha Rd
Orinda

Aflah Realty

4045 Bonita Road
Bonita

AimLoan.com

4121 Camino Del Rio S
San Diego

ALLIED CAPITAL MORTGAGE INC

8222 VICKERS
El Cajon

America One Mortgage Group

1991 Village Park Way
Encinitas

America's Finest City Mortgage

2635 Camino Del Rio S
San Diego

AMERICA'S FINEST CITY MORTGAGE

512 Via De La Valle
Solana Beach

American Pacific Mortgage

12600 Hesperia Rd Ste B
Victorville

AmeriFirst Financial Inc

12544 High Bluff Dr Ste 100
San Diego

AMERIFUND FINANCIAL INC

9952 DOLORES ST
Spring Valley

APPLETON REALTY & FINANCE

5022 Bluff Pl
El Cajon

Aurora Financial

8150 Leesburg Pike

Avid Advertising Inc

2204 Garnet Ave Ste 201
San Diego

Bank of America

848 Jackman St
El Cajon

Bank of Internet USA

4350 La Jolla Village Dr
San Diego

BCS Real Estate Services,Inc.

6390 Greenwich Dr.
San Diego

C Q FINANCIAL

270 E DOUGLAS AVE
El Cajon

CAL-WESTERN RECONVEYANCE CORP

525 E MAIN ST
El Cajon

California Foreclosure Counselors

11555 Sorrento Valley Rd suite 204
San Diego

CALIFORNIA MORTGAGE & REALTY

1340 Munras Ave Ste 100
Monterey

CaliforniaMortgageDirect.com

PO BOX 881408
San Diego

CFL MORTGAGE

1664 N MAGNOLIA AVE
El Cajon

CFS Mortgage

7720 North 16th Street

CHARTER MORTGAGE

5155 WARING RD
San Diego

Christiansen Capital

705 Pier View Way
Oceanside

COAST LINE MORTGAGE & RL EST

2514 JAMACHA RD
El Cajon

COMMUNITY FIRST NATL BANK MTG

2986 JAMACHA RD
El Cajon

CORNERSTONE MORTGAGE CORP

3636 CAMINO DEL RIO N
San Diego

COURTESY MORTGAGE

2615 CAMINO DEL RIO S
San Diego

CRESTICO

22935 Ventura Blvd Ste 201
Woodland Hills

Crestline Funding

18851 Bardeen Av
Irvine

Derden Business Loans

2560 Catamaran Way Suite 11
Chula Vista

Derden Services

1942 Bluehaven Ct
San Diego

Directors Financial Group

2 South Pointe Drive
Lake Forest

Dream Makers Realty

2515 Camino Del Rio South
San Diego

EXCEPTIONAL MORTGAGE SOLUTIONS

3944 Murphy Canyon Rd Ste C201
San Diego

FairHomeLending

12707 High Bluff Drive
San Diego

First California Funding

4550 Kearny Villa Road, Suite 215
San Diego

FIRST DECISION MORTGAGE

1530 JAMACHA RD
El Cajon

First Nations Home Finance

2890 Pio Pico Dr Ste 100
Carlsbad

First Security Mortgage

11839 Sorrento Valley Rd
San Diego

Freedom Mortgage

9909 Mira Mesa Blvd Ste 160
San Diego

Gateway Funding

3160 Camino Del Rio South, Suite 217
San Diego

GENESIS MORTGAGE CORP

4180 LA JOLLA VILLAGE DR
La Jolla

GreenHouse Group Inc

591 Camino De La Reina Ste 103
San Diego

Guardian National Bank

4400 W 109th St.

Heritage Mortgage

5580 La Jolla Blvd
La Jolla

HOME CAPITAL FUNDING

749 JAMACHA RD
El Cajon

HOME LOAN ADVISORS

600 ALTON BLVD 1325
Costa Mesa

HOME TRUST

4713 BERMUDA AVE
San Diego

HOMEMAKERS MORTGAGE INC

16885 W BERNARDO DR
San Diego

Honeywell Financial Network

9740 Campo Road
Spring Valley

IFC MORTGAGE

326 ENCINITAS BLVD
Encinitas

Infiniti Home Loans Inc

16480 Harbor Blvd Ste 201
Fountain Valley

INTEGRITY MORTGAGE

9683 Tierra Grande St Ste 102
San Diego

iReverse Home Loans, LLC

1905 Calle Barcelona
Carlsbad

JANUS MORTGAGE

2588 El Camino Real F140
Carlsbad

JMJ Financial

1010 Turquoise Street
San Diego

Ken Reed - San Diego Funding

2468 Historic Decatur Rd
San Diego

Kiel Mortgage

19550 International Blvd
Seatac

Legacy Reverse Mortgage

3655 Nobel Dr Ste 250
San Diego

LIBERTY NATIONAL LENDING GROUP

3914 Murphy Canyon Rd Ste A205
San Diego

Lisa Korn - American Capital, Corp

2121 Rosecrans Ave
El Segundo

LoanPeopleUSA

26895 Aliso Creek Rd, B188
Aliso Viejo

M G MORTGAGE

195 Danner Pl
El Cajon

MAR Financial

12255 Kirkham Road #300
Poway

MARK HENDRICK APPRAISER

3110 CAMINO DEL RIO S
San Diego

Megastar Financial Corp

930 Executive Way Ste 125
Redding

MESA PACIFIC MORTGAGE & INVESTMENT INC.

11637 OAK CREEK DR
Lakeside

METRO SAN DIEGO MORTAGAGE LLC

1500 State St
San Diego

Michael S. Rosenbaum | Mortgage Loan Originator

406 9th Ave. Suite 308
San Diego

MLCG, Inc.

2020 Camino Del Rio North #620
San Diego

MONARCH MORTGAGE CO INC

771 JAMACHA RD
El Cajon

Mortgage Capital Associates

10225 Barnes Canyon Rd
San Diego

MORTGAGE PARTNERS REAL ESTATE

237 AVOCADO AVE
El Cajon

Mortgage West

20436 Via Cellini
Los Angeles

MortgageOne, Inc

4225 Executive Square Ste 600
La Jolla

MOUNTAIN TRUST MORTGAGE & RLTY

16486 Bernardo Center Dr Ste 368
San Diego

Movement Mortgage

2831 St Rose Pkwy #100

NATIONAL CITY MORTGAGE

860 JAMACHA RD
El Cajon

NATIONPOINT

2150 N 1st St Ste 100
San Jose

NEW WORLD MORTGAGE

1246 E MAIN ST
El Cajon

NVR Inc

11700 Plaza American Dr

Omni-Fund Inc

2831 Camino Del Rio S
San Diego

PADRE MORTGAGE

1645 S RANCHO SANTA FE RD
San Marcos

Pam Parton & Joanna Woolley Realtors

100 S Escondido Blvd
Escondido

Payless Loan Source

2955 E. Hillcrest Drive
Westlake Village

POSITION 1 MORTGAGE

13803 PINKARD WAY
El Cajon

PRECISION MORTGAGE

1621 VISTA DEL VALLE BLVD
El Cajon

PRIMARY RESIDENTIAL MTG INC

450 FLETCHER PKWY
El Cajon

PRIMEX MORTGAGE CORP

5834 HUBBARD DR

PROCESSING PROFESSIONALS

463 BALLANTYNE ST
El Cajon

PROMPT APPRAISER & CONSULTANTS

2371 Silver Oak Cir
Corona

QUALITY TAX & FINANCIAL SERVICES INC

9829 CAMPO ROAD
Spring Valley

REHMANN FINANCIAL

935 AVOCADO AVE
El Cajon

RELIABLE POSTING & PUBLISHING

525 E MAIN ST
El Cajon

RELIANT MORTGAGE & REALTY INC

1133 Hacienda Dr
El Cajon

RESIDENTIAL WHOLESALE MORTGAGE

11234 EL CAMINO REAL
San Diego

REVERSE MORTGAGE SPECIALIST BRUCE MCPHERSON

3131 Camino Del Rio North
San Diego

RMC Vanguard Mortgage

1111 N Loop W Fwy

ROBERT BAIRD

2990 JAMACHA RD
El Cajon

RTC MORTGAGE CORP

1000 N Coast Hwy Ste 7
Laguna Beach

Ryan Gelardi - C2 Financial

3202 Governor Drive Suite 204
San Diego

San Diego County Credit Union

6705 Mira Mesa Blvd
San Diego

San Diego County Credit Union

312 W Main St
El Cajon

SAN DIEGO MORTGAGE & RL EST

860 JAMACHA RD
El Cajon

STAR MORTGAGE SVC INC

847 MURRAY DR
El Cajon

Stonebridge Lending Inc.

4275 Executive Square Suite 200

Sunset Lending Group

8880 Rio San Diego Dr
San Diego

Synergy One Lending

3131 Camino Del Rio North suite 1450
San Diego

TDE Financial

5921 Severin Dr

TEAMWORK MORTGAGE

2451 JAMACHA RD
El Cajon

The Aramco Group

5927 Balfour Court
Carlsbad

The Carlson Lending Team

3914 Murphy Canyon Rd.
San Diego

THE MORTGAGE WORKS

1985 N MARSHALL
El Cajon

Trabuco Canyon Realty Specialists

1823 S Marvin Ave
Los Angeles

Unitrust Mortgage

3539 College Ave
San Diego

US BANK

1420 Kettner Blvd Ste 403
San Diego

USA Realty & Loans

72 Hilltop Drive
Chula Vista

V A HOMES

450 FLETCHER PKWY
El Cajon

Veterans United Home Loans of San Diego

8885 Rio San Diego Dr #135
San Diego

VICTORIAN FINANCE LLC

212 Washington Ave Ste 300

W.J. Bradley Mortgage Capital, LLC

16885 West Bernardo Dr ste 290
San Diego

Wells Fargo Home Mortgage

8410 Genesee Ave
San Diego

WINCHESTER PROPERTY MANAGEMENT

323 N COAST HWY A
Oceanside

ZEMAN MORTGAGE INC

140 W PARK AVE
El Cajon

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