52,451 Points

Name

Laura Borja San Diego VA Loan & FHA Mortgage Expert, San Diego Home Loans 619.992.4061

Company

The Lending Company

E-mail

Contact Laura Borja San Diego VA Loan & FHA Mortgage Expert, San Diego Home Loans 619.992.4061 (The Lending Company)

Google Profile

Find me on Google+

Website

http://sdhomeloans.net

Office Phone

(858) 356-2673

Cell Phone

(619) 992-4061

Alt. Phone

8583LOANSD

Fax

(858) 750-1380

Address

NMLS#199107, La Jolla, San Diego, Carmel Valley, Encinitas, North Park, Hillcrest, Poway, Rancho Bernardo, Escondido, Vista, , Carlsbad, Oceanside, La Mesa, Santee, Chula Vista 12264 El Camino Real ste 350, San Diego, CA, 92130

Description

Bilingual Senior Mortgage Consultant with over 22 yrs of experience specializing in FHA and VA Home Loans. Assisting my clients to meet their long term financial goals is my top priority.

The Difference is Service

Welcome!  

Does it seem like changes in the finance industry never top coming?

•  You need someone that knows the ins and outs of the mortgage industry.  
•   You need someone with access to a wide variety of programs to tailor a solution just for you of your client.
•   You need someone that is dedicated to ensuring you reach your goals.

Whether you are a first time homebuyer researching your next step, an experienced homeowner or a Realtor^® looking to partner up with a mortgage professional, you have come to right place. That someone isME!!

You can be confident that you will be working with an experienced mortgage professional who is focused on your timeline and the financial needs of the client and who is backed by a company founded it’s belief in integrity and above-and beyond customer service.

A home is likely one of the biggest investments any one of us will ever make.  I will provide you the resources to educate and empower yourself so you can succeed as a homeowner or a Real Estate professional.

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Over 20 Years of Experience Helping Families Realize Their Dream of Homeownership

I have been part of the mortgage industry for over 22 years. I began my career as a Jr. Loan Processor in 1990 working for a large lender that specialized in FHA and VAloans, that was the genesis of my knowledge and expertise in government financing.

I moved on to fill a position as the lead processor and team lead for a joint venture between a large bank and one of Southern California's largest new home builders before being fortunate to have the opportunity to become an underwriter. This hands on insight into the ins and outs of the decision making process has served me well to this day.

As a loan originator,  my focus is the financial needs of the client, making sure that they are placed in the loan program that will fit their situation and their long term financial goals.  She also tries to anticipate all the questions an underwriter might have so that a file is packaged in such a way that any issues are addressed upfront to minimize the likelihood of any problems later in the process.  She believes this is the best way to ensure a smooth transaction and a timely closing.

Through the years I have honored to earn many awards not just for production volume, but more importantly, for customer service. I believe in being direct, straight forward, open and honest with all my clients and referral partners so there is always total transparency in the transaction.

Contact Laura for a FREE Consultation

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You Need an Expert to Help You Decipher the Choices

Today's market conditions require that you work with an expert that will help guide you through the maze of never ending changes.

The days of a buyer obtaining a loan without having to provide proof of employment, income or assets came and went and we are now back to traditional lending. That means having a verifiable employment history, providing documentation to confirm earnings and assets and showing responsible use of credit and a timely payment history.

Whether a large down payment is available or an option with little to no money down is needed, TLC and I have the solution for you.  

I have extensive experience and expertise in the following programs:

FHA

• Requires 3.5% down (source can be savings/retirement/gift)
• Credit scores as low at 620 
• Loan Amounts as high as $697,500 in San Diego County
• 30 Year fixed and 15 Year fixed terms available

VA

• No monthly mortgage insurance premiums
• Closing costs are limited by law
• VA funding fee can be financed
• No down payment required if loan amount is under the county limit ($500,000 in San Diego County)
• Loan amounts up to $1,094,625 available with a down payment which is dependent on available entitlement and county limit
• 30 Year fixed, 15 Year fixed and terms available

Conventional

• Jumbo programs with loan amounts of up to $5 million
• Conforming loans with down payments as low as 5% depending on credit score
• 40, 30, 20, 15,10 year fixed as well as 3/1, 5/1, 7/1 and 10/1 terms available
• First Time Home Buyer Programs with low  down payment requirements
• Asset depletion and pledged asset programs

Down Payment Assistance

• City of San Diego Housing Commission: closing costs grants and shared appreciation silent second mortgages
• City of La Mesa- shared appreciation silent second mortgages
• City of Vista-silent second mortgages
• Mortgage Credit Certificates through San Diego County

Contact Laura for a FREE Consultation

M A R K E T   U P D A T E S ! !

• Upcoming changes to FHA Mortgage Insurance Effective April 1,2013
• USDA Announces Changes to Guarantee Fees Effective Oct 1, 2012
• VA Announces changes to Loan Limits for Remainder of 2012
• FHA to change mortgage insurance premiums effective April 1,2012
• FHA changes to how collections are to be analyzed 
• CalHFA announces changes to it's CHDAP program

Testimonials