A Mortgage Guide for San Diego Home Buyers

Understanding your mortgage options is one of the most important parts of buying a home. As a local REALTOR, and not a lender, my goal is to help you understand the basics so you can work confidently with a trusted loan officer.

Common Loan Types

Most buyers use conventional, FHA, or VA loans. Each has different down payment, credit, and mortgage insurance requirements, and the right one depends on your finances and goals.

Getting Pre-Approved

A pre-approval confirms how much you can borrow and makes your offers far stronger. It's the first practical step before you start shopping.

Down Payments and Costs

Down payments can range from 0 percent on a VA loan to 3 to 20 percent or more, and you'll also budget for closing costs. Assistance programs may reduce what you need up front.

Rates and Monthly Payments

Your interest rate, loan type, taxes, insurance, and any HOA dues all shape your monthly payment. A good lender will walk you through the numbers.

Let's Connect You With the Right Lender

I work with trusted local lenders and can connect you with one who fits your situation. Reach out anytime and I'll help you take the next step.