The right loan type makes a significant difference in your monthly payment and long-term costs. I help you choose wisely.
Backed by the Federal Housing Administration, FHA loans are ideal for buyers with lower credit scores or limited down payment savings. They're one of the most flexible loan products available.
Note: FHA loans require mortgage insurance premiums (MIP) for the life of the loan if down payment is under 10%.
Exclusively for veterans, active-duty service members, and eligible surviving spouses. VA loans offer the best terms available on the market — period. It's one of the most valuable benefits you've earned.
Eligible borrowers include veterans, active duty, National Guard, Reserves, and qualifying surviving spouses.
For high-value properties exceeding conventional loan limits, jumbo loans are the go-to solution. In San Diego's competitive market, many buyers need jumbo financing even for mid-range homes.
Typically requires 10–20% down and stronger credit, though programs vary by lender.
Not government-backed, but highly competitive. Conventional loans are the most common mortgage type and often offer the lowest total cost for borrowers with good credit and stable income.
Conforming limit for San Diego County is $1,006,250 for 2024.
That's exactly what I'm here for. A 15-minute call is all it takes to figure out your best path forward.
Talk to Mike — Free ConsultationI shop your scenario across dozens of lenders to find the best rate and terms for you.