Specializing in san diego mortgage, san diego home loans, san diego home loan, san diego real estate, san diego mortgage loan, san diego refinance

You Are About To Discover All The Information You Need To Make An Informed Decision About Obtaining A

San Diego Mortgage

Call Us Toll-Free!  800-785-4952

Dear Neighbor,

My name is Joe Almirantearena. I want to thank you for taking the time to visit my website, where I guarantee you'll find plenty of helpful information to assist you in purchasing your new home or refinancing your current San Diego mortgage. I am a San Diego mortgage consultant, serving all of San Diego, and the surrounding communities.

FREE Home Buying Guide Reveals The Insider Tips Big Banks Don't Want You To Know...
Fresno Home Loans - Fresno Mortgages, Fresno Real Estate

Purchasing a home is most likely the largest financial transaction of your life. Unfortunately, most people enter into this transaction blindly and make mistakes that may cost them tens of thousands of dollars over the lifetime of their San Diego mortgage.

Although sharing these secrets may not make me popular with the other San Diego mortgage lenders, I am more concerned that you have all the information you need to make an informed decision when shopping for San Diego home loans. So, I have created a free guide that contains extremely valuable information designed to help you avoid costly mistakes when navigating the San Diego home loans process.

To receive this free guide and other home buying tips, simply fill out the fields below and I will send you your first insider secret by email immediately.




San Diego Home Loans

If you're planning to buy your next home, your first home, that dream home, a condo, vacation home, investment property or looking for a San Diego mortgage, you will find that this site is a complete resource full of insider secrets that will allow you to choose the San Diego home loans program best suited to your financial needs.

San Diego Home Loan

I make it fast and easy for all kinds of people-including first-time homebuyers, small business owners, and homebuyers with perfect or less-than-perfect credit to get the San Diego home loan you need for the home you want.

San Diego Real Estate

Make sure you register to receive my Free Homebuying Guide and Insider Mortgage Reports, browse my Resources section, fill-out a FREE No-Obligation Secure Online Loan Application, or call me in my San Diego office at 800-785-4952. I am here to help you with all your San Diego mortgage needs.

Got a Quick Question You Want Answered Today?

Click the "Ask A Question" button below to send us a message by email or feel free to call my San Diego office at 800-785-4952.

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Before you leave, make sure you review the San Diego Home Buying Resources, Insider Reports and San Diego Mortgage Calculators. All are designed to help guide you through the home buying process so you avoid making costly mistakes.


San Diego Real Estate Report:

I want to include an example of one of our FREE reports that can help you understand credit:

Purchasing a Home and Your Credit

In a nutshell, credit scoring is a statistical method of assessing the credit risk of a San Diego mortgage applicant that is used by most San Diego mortgage companies in helping to determine what San Diego home loans program an applicant qualifies for. The score is a number that rates the likelihood an individual will pay back a San Diego mortgage. The score looks at the following items: past delinquencies, derogatory payment behavior, current debt level, length of credit history, types of credit, as well as the number of recent inquiries into your credit.

The three general categories of credit scoring:

* First, a borrower with a score 680 and above may be considered an A+ loan. Borrowers falling into this category may have a good chance to obtain a lower rate of interest and close their San Diego home loans in a relatively short amount of time.

* Second, a score below 680 but above 620 may indicate underwriters will take a closer look at the file in determining potential risks. Supplemental credit documentation and letters of explanation may be required before an underwriting decision is made which could lead to a longer evaluation time before the San Diego home loans close.

* Third, borrowers with a score below 620 may find themselves locked out of the best San Diego mortgage rates and terms offered. As a borrower you may need to look into sub prime or other alternative loan programs with your San Diego mortgage broker, and it may take some time before a suitable funding source is located.

Reviewing and Correcting Your Credit

Whichever San Diego mortgage broker you decide to work with, you should be able to receive a copy of your credit report from them to review and check for any errors. You have the right, under the Fair Credit Reporting Act, to dispute the completeness and accuracy of information in your credit file. When a credit reporting agency receives a dispute, it must re-investigate and record the current status of the disputed items within a "reasonable period of time," unless it believes the dispute is "frivolous or irrelevant." If the credit reporting agency cannot verify a disputed item, it must delete it. If your report contains erroneous information, the credit reporting agency must correct it. If an item is incomplete, the credit reporting agency must complete it.

If you have had credit problems, be prepared to discuss them honestly with your San Diego mortgage professional and come to your application meeting with any necessary written explanations. Responsible San Diego mortgage professionals know there can be legitimate reasons for credit problems, such as unemployment, illness or other financial difficulties. They are there to help you get your home.

San Diego Mortgage Interest Rate Drop Commentary:

Yes, it's true the interest rates for 30 year fixed San Diego mortgages have dropped to record lows.  Along with the drop in prices of San Diego real estate, the time to buy is now.  If you are considering refinancing, now is also the time.  Many of you have been on the fence waiting for the perfect time to take advantage of the market.  I simply can't think of a better opportunity from the standpoint of timing.  Give me a call, at 800-785-4952.  We will go over your current situation, and see if it makes sense for you.  Whether it's reducing your monthly payment, or buying your dream home you could not afford a few years ago, but with prices declining and a rock bottom interest rate, now you can.

We service clients statewide, including every city and town in California.  San Diego Real Estate | San Diego Home Loan | San Diego Home Loans | San Diego Mortgage

 
 
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What others are saying...
Extremely personable and have a great sense of humor! I really liked the fact that he was excellent at putting things in "layman's" terms; as a first time home buyer I needed this!

Christina G. - Oakland
I was sent to another San Diego mortgage lender first by my realtor, but everything fell apart just before closing! Joe took over the financing and we closed with a better interest rate. The agent who had the home for sale couldn't believe it. He thought our deal was dead.

Adrian E. - San Diego
From start to finish buying this house was so easy. Working with you, the process was so smooth. We never worried about having a “surprise” at closing. We had such confidence in your ability and knew that you were always on top of things. You handled everything in such a timely manner and always approached us in a first-class, professional way.

Eleazar H. - La Jolla
My sister in law referred me to Joe.  She said he really took the time to explain everything to her, and since I'm a first time homebuyer, I knew that's what I needed.  Sure enough, he took me from approval to closing in about 3 weeks, and I couldn't be happier.

Kaitlin J. - Westwood
I have been so busy working in my NEW HOUSE!!! Things are finally coming together, but I still can't quite believe it's ours. Thank you so much for all of your hard work. You really worked hard for us and stuck with us throughout the LONG process.

Leonard S. - Anaheim
Because I work odd shifts at the mill, Joe worked with me at odd hours. And arranged for a notary to close my loan at 8:30 pm.  He really went out of his way for my wife and I.

Jake C. - Exeter
Just a note and a big thank you for all your assistance with the last sale I had. It was a real winner, but with all your help, a good listening ear, and much patience, it finally is over.

Karen P. - Rancho Mirage

Our mortgage consultant was Joe Almirantearena. He was more than excellent -answered all questions & provided us with an accurate solution to our complex problem the first time we spoke to him. He answered all calls promptly. We have nothing but praise for Joe. If we are asked for a good company- I’m referring them to you!

Tim A. - San Juan Capistrano

Joe made our first investment purchases one of the most comfortable and smoothest transactions we have had. This meant a lot to us being that we were novices in the investment market and nervous. He made us feel right at home and kept us very informed.

Gilbert H. - San Diego

I want to say thanks! You are the most wonderful human being that I have met in at least 20 years. This is sad to say but so very true. If, I could get to you right now I would come give you BIG HUGS. Luv Ya ! Just know Rob and I want to show our appreciation by giving you a gift, and taking you out to dinner/lunch. I would like you to pick the restaurant, "Your Choice."

Haley H. - La Jolla

Joe assisted us in our first home purchase. He was very knowledgeable and professional and guided us to a San Diego mortgage loan program that allowed us to purchase our home with zero out of pocket. He truly took the time to make sure we completely understood the San Diego home loan and the process and held our hand the whole way. We never thought the day of home ownership would be possible this soon in our lives, but Joe showed us the way. Thank you, Joe.

Melinda G. - Rancho Santa Fe

You did a terrific job for me.  When I was thinking about going into foreclosure, I was having trouble sleeping, and worried about my family.  Luckily, I found you on the internet, and now, thanks to the new San Diego mortgage you refinanced me into, I can afford to keep my home.  You, along with the appraiser, and escrow officer, made the experience really easy for me.  I wish I had met you sooner, before my sister in law lost her home.  I will recommend you to all of my friends and family.

Stacy L. - San Diego