The team at IPM is ready to guide you through your next home loan. We offer pricing from some of the most competitive investors in California and our loan application process is easy. Go ahead, give us a call or apply online. But first, check out our awesome rates! Whether you are shopping for a VA, FHA or Conventional mortgage, our mission is to make the experience of getting a home loan easy and very affordable for you.
If you want the best rate available, you will be happy to know our clients normally save at least.25% in rate for the same fees most lenders will quote you. Great rates are important, but so is the service you will receive. We are Mortgage Brokers. What that means to you is we represent over 40 different "Direct Lenders/Investors". Some of those companies offer the lowest rate available, on any given day, while others are more expensive, but will approve loans that many other companies will not.
Direct Lenders cannot fine-tune a product and price for your specific situation, but we will.
If you want the best rate available, you will be happy to know our clients normally save at least.25% in rate for the same fees most lenders will quote you. Great rates are important, but so is the service you will receive. We are Mortgage Brokers. What that means to you is we represent over 40 different "Direct Lenders/Investors". Some of those companies offer the lowest rate available, on any given day, while others are more expensive, but will approve loans that many other companies will not.
Direct Lenders cannot fine-tune a product and price for your specific situation, but we will.
Services
No Cost, Low Cost or Lowest Interest Rate available, IPM is San Diego's local Mortgage Broker choice for the lowest rates and fees.
Since 1984, I have helped thousands of San Diego borrowers to either reach their dream of home ownership, to invest in rental properties, or to use their home's equity to achieve life goals.
Need a quick quote?
We are totally transparent and it is our policy to share any and all information with you and to be your advocate and trusted advisor.
Did you know that mortgage brokers, per their licensing with the CA Bureau of Real Estate have a fiduciary responsibility to represent your best interests and not their own?
Since 1984, I have helped thousands of San Diego borrowers to either reach their dream of home ownership, to invest in rental properties, or to use their home's equity to achieve life goals.
Need a quick quote?
We are totally transparent and it is our policy to share any and all information with you and to be your advocate and trusted advisor.
Did you know that mortgage brokers, per their licensing with the CA Bureau of Real Estate have a fiduciary responsibility to represent your best interests and not their own?
IPM always offers you pricing in the best 1% of all lenders in CA with fast reliable service.
The below pricing examples are for a conventional PURCHASE loan amount of $548k at 80% ltv on a SFR and assumes a 760+ mid credit score.
Closing Costs in RED are points paid by you to buy down the rate and Closing Costs in GREEN are a credit towards your 3rd party costs with 0 point paid to the lender.
The Comp column is what our investor pays IPM, not you the borrower and IPM does not charge you an Origination Fee like many companies.
The below pricing examples are for a conventional PURCHASE loan amount of $548k at 80% ltv on a SFR and assumes a 760+ mid credit score.
Closing Costs in RED are points paid by you to buy down the rate and Closing Costs in GREEN are a credit towards your 3rd party costs with 0 point paid to the lender.
The Comp column is what our investor pays IPM, not you the borrower and IPM does not charge you an Origination Fee like many companies.
The customer service Jim provided was amazing.
We hit several bumps in the road with our lender and Jim navigated me through them with excellence, helping me to understand the complexities of what was occurring.
Jim is prompt to respond to all questions and concerns.
I am not easily impressed.
Jim Ward walked me through the refinance process in a reassuring and helpful manner.
My questions were answered and explanations were given, often immediately, either by phone or email.
There were a few setbacks along the way but Jim led me through them and minimized the frustrations.
We hit several bumps in the road with our lender and Jim navigated me through them with excellence, helping me to understand the complexities of what was occurring.
Jim is prompt to respond to all questions and concerns.
I am not easily impressed.
Jim Ward walked me through the refinance process in a reassuring and helpful manner.
My questions were answered and explanations were given, often immediately, either by phone or email.
There were a few setbacks along the way but Jim led me through them and minimized the frustrations.
At IPM, we make applying for a loan easy and convenient!
You can connect with one of our mortgage consultants over the phone or we encourage you to use the online application.
Bankruptcy / Discharge papers for bankruptcies existing in credit history, if applicable in the last 7 years.
Bank statements - Most recent two months' statements for all accounts - all pages (even if blank).
Trust IPM to provide you with an exceptional loan application experience.
Call us today at 619-554-8515 to schedule a phone application appointment or if you prefer, use the On Line Loan Application link.
You can connect with one of our mortgage consultants over the phone or we encourage you to use the online application.
Bankruptcy / Discharge papers for bankruptcies existing in credit history, if applicable in the last 7 years.
Bank statements - Most recent two months' statements for all accounts - all pages (even if blank).
Trust IPM to provide you with an exceptional loan application experience.
Call us today at 619-554-8515 to schedule a phone application appointment or if you prefer, use the On Line Loan Application link.
Before starting your Online Mortgage Application, be sure and visit our Mortgage Application Checklist.
Also, the Helpful Resources page will answer many of your questions on other loan related topics.
Jim went above and beyond to make my sure deal went through.
Not only was he a true professional, but he also gave me a great rate and and super fast service.
I will use Jim everytime and will highly recommend him for your purchases.
My wife and I have used Isle Pacifica Mortgage three times over the past 15 years or so to refinance residential loans.
Also, the Helpful Resources page will answer many of your questions on other loan related topics.
Jim went above and beyond to make my sure deal went through.
Not only was he a true professional, but he also gave me a great rate and and super fast service.
I will use Jim everytime and will highly recommend him for your purchases.
My wife and I have used Isle Pacifica Mortgage three times over the past 15 years or so to refinance residential loans.
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