Business Details
Your Trusted Mortgage Broker in San Diego
At Prime Mortgage Loans, we specialize in connecting clients with tailored mortgage solutions through our extensive network of wholesale lending partners. With decades of combined experience in the mortgage industry, our team prioritizes transparency, integrity, and personalized service to help clients navigate the complexities of home financing. We offer access to competitive rates across a wide range of loan programs, including FHA, VA, Jumbo, USDA, and Reverse Mortgages, ensuring clients find the best fit for their unique financial situations.Our streamlined process emphasizes efficiency, clear communication, and client education, empowering informed decisions. Licensed in California under DRE #01856238 and NMLS #385667, we are committed to maintaining the highest standards of professionalism and customer satisfaction.
Services
FHA Loans
VA Loans
Jumbo Loans
USDA Loans
Reverse Mortgages
Refinancing
HARP Loans
Home Purchase Loans
Highlights and features
- We offer access to hundreds of wholesale mortgage rates and products nationwide.
- Our team provides personalized loan solutions tailored to individual financial goals.
- We streamline the mortgage process with fast pre-approvals and transparent communication.
- We specialize in niche loan programs like FHA, VA, and Reverse Mortgages.
- Our licensed professionals prioritize integrity and long-term client relationships.
What people say
Efficient, communicates well
Smooth from start to finish
Outstanding service
Highly recommended
Lowest and most competitive rates
Services
FHA Loans
FHA loans provide low down payments and flexible credit requirements for first-time homebuyers. These government-insured mortgages require as little as 3.5% down and are ideal for borrowers with moderate credit scores. Our team simplifies the FHA loan process with competitive rates and expert guidance.
VA Loans
VA loans offer zero down payment options and favorable terms for eligible veterans and active-duty service members. Backed by the U.S. Department of Veterans Affairs, these loans provide affordable homeownership opportunities without private mortgage insurance requirements.
Jumbo Loans
Jumbo loans finance high-value properties exceeding conventional loan limits. We offer competitive rates for loan amounts up to $2.5 million, with flexible terms and streamlined underwriting for luxury home purchases or refinancing.
USDA Loans
USDA loans provide zero down payment options for low-to-moderate-income buyers in eligible rural areas. These government-backed loans feature reduced mortgage insurance and flexible qualifying criteria to promote homeownership in underserved communities.
Reverse Mortgages
Reverse mortgages allow seniors aged 62+ to convert home equity into tax-free cash without monthly payments. Our HECM-certified specialists guide clients through the process to access funds for retirement needs or debt consolidation.
Questions
What loan programs does Prime Mortgage Loans offer?
We offer FHA, VA, Jumbo, USDA, Reverse Mortgages, and HARP loan programs to meet diverse home financing needs.
How does the mortgage pre-approval process work?
Our pre-approval process involves submitting financial documents for a credit check and income verification to determine your loan eligibility.
Are there down payment assistance options available?
Yes, we offer FHA loans with 3.5% down, VA loans with zero down, and USDA loans with no down payment requirements for qualified borrowers.
Can I refinance my existing mortgage?
Yes, we specialize in refinancing options including rate-and-term and cash-out refinances to help lower payments or access home equity.
What areas do you serve?
We primarily serve California but can assist with mortgage solutions nationwide through our wholesale lending network.
