Union Home Mortgage Review – 💰 San Diego's Best Purchase Home Loans in 2020 💰
Union Home Mortgage Review – 4 Tips
(Please note: These numbers were accurate as of 2020 – for new updated information make sure you check out: https://www.sandiegorealestatehunter.com/blog/san-diego-purchase-home-loans/)
📌 In this video I want to break down the best purchase mortgage loans in San Diego including:
💰 Getting up to 103% financing using Down Payment Assistance
🏡 Buy using $0 down using a USDA loan if you want to live in the countryside of San Diego
🎖️ Buy using a $0 down VA loan if you are a veteran or serving now in the military
🏠 Buy using 3% down to buy using a Conventional loan if you have good credit
🏠 Buy using 3.5% down using an FHA loan if you are looking for a higher loan amount
🏠 Buy using 10% down if you are buying using a Jumbo loan which is above that $701,500 loan amount
📦 Buy using 10% down if you are outside this normal box – maybe you are self employed, want to use assets, or bank…
📖 First – a story.
📝 I have been working with clients that saw one of my videos on the different mortgage loan options in San Diego – and, they were amazed.
🏦 They had no idea so many loan options existed – as they had been dealing with their local Credit Union – and, the representative there didn’t mention anything about Down Payment Assistance, or the Bank Statement Loan, or how to structure offers where you can get the seller to pay closing costs, use a lender rebate to pay closing costs, and even get a closing cost assistance loan if needed.
😀 Of course, I said – it’s very simple.
🚶 You walk into a Credit Union, or Bank, and you deal with just that Credit Union, or Bank.
💰 They present just their loan products, no more, no less.
📝 You are a retail client, get retail rates, retail fees, and work with mortgage professionals that have no real world mortgage and real estate experience outside pushing papers around for a paycheck, during the Credit Union or Banks working hours.
📦 They have a box, and they work within that box.
🎩 When you work with me – I bought my first property at the age of 21, owned 35 by the age of 30, in several different locations including: San Diego, Riverside County, Argentina, Brazil, Nicaragua, and Panama.
💱 I am approved with something around 40 different wholesale lenders – so, I have access to much more than 1 Credit Union or Bank will.
💲 You become a wholesale client, get wholesale rates, get wholesale fees, and work with a real estate and mortgage professional that knows the in’s and out’s from actually doing versus just pushing around paperwork for a paycheck.
📦 I don’t even know what a box is.
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📝 Without further ado – let’s just into the top purchase mortgage loans in San Diego…
👉 San Diego Down Payment Assistance Program
📝 This loan is ideal for anyone who has decent credit, has a great income, but doesn’t have the 3% down needed for a conventional loan or the 3.5% down needed for an FHA loan.
📝 This is a State program so you can live *anywhere* you want in San Diego (unlike all the other local government programs), can get up to 103% financing (which covers your down payment, loan, and up to 3% of closing costs), can buy up to a $725,000 sales price, limit your cash out of pocket, and take advantage of the lowest rates right now ever recorded for this loan.
🕵️ If you think the Down Payment Assistance option might be best for you – watch my video, see the detailed post, and become a DPA expert…
Sorry, I guess I am too wordy and past the 5,000 character limit – see the post here…
💭 What do you think?
❓ Do you have any questions on these loans, want to run some ideas past me, or have a quick call?
☎️ Leave your comment below – or, contact me at:
Your San Diego Purchase Loan Insider,
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