Home Loan Gal, powered by Synergy One Lending, is a lady-powered mortgage planning group located in sunny San Diego, CA. We specialize in mortgage education and mortgage planning services. We provide all-inclusive services for everyone, whether you are a first-time home buyer or seasoned real estate investor, let us help you! We believe that real estate is not just a home for your family, but your largest investment, your largest debt and a fantastic gateway to wealth accumulation.
Your mortgage deserves a deeper discussion than just "what is the lowest interest rate you can give me?" It, and you, deserve a comprehensive plan to ensure the loan product you obtain specially fits your situation, saves you the most money, gets you on the best path to reach your financial goals, and is annually reviewed to ensure you stay on your path to financial success.
Whether buying your first home or your fifth, having a local real estate professional who is an expert in his or her market on your side is your best bet in making sure the process goes smoothly.
Your mortgage deserves a deeper discussion than just "what is the lowest interest rate you can give me?" It, and you, deserve a comprehensive plan to ensure the loan product you obtain specially fits your situation, saves you the most money, gets you on the best path to reach your financial goals, and is annually reviewed to ensure you stay on your path to financial success.
Whether buying your first home or your fifth, having a local real estate professional who is an expert in his or her market on your side is your best bet in making sure the process goes smoothly.
Services
A wealth advisor manages your assets and investments, but who's managing your mortgage?
Your mortgage is likely your largest debt and liability, and even small changes in rate can have a huge monetary impact over the life of your loan.
At Home Loan Gal, we realize that keeping tabs on the mortgage market just isn't part of people's every day lives.
And you know what?
That's okay!
We will monitor your mortgage for the entire life of your loan regardless of where it originated.
Mortgages Under Management brings together our experienced staff and reporting tools to make sure you have the best terms on your mortgage, and you know exactly where your home stands in the current market.
Your mortgage is likely your largest debt and liability, and even small changes in rate can have a huge monetary impact over the life of your loan.
At Home Loan Gal, we realize that keeping tabs on the mortgage market just isn't part of people's every day lives.
And you know what?
That's okay!
We will monitor your mortgage for the entire life of your loan regardless of where it originated.
Mortgages Under Management brings together our experienced staff and reporting tools to make sure you have the best terms on your mortgage, and you know exactly where your home stands in the current market.
Is your situation fairly simple?
Simple meaning no adverse credit in the recent past, good credit score, and at least 3% for a down payment?
With loan amounts up to $690,000 in San Diego County, Conventional may be the best way for you to go.
Have you had some recent adverse credit events that may have made your credit less than perfect?
Maybe a short sale, bankruptcy, or foreclosure?
FHA is a bit more forgiving than conventional when it comes to these types of events.
Don't worry, FHA still offers low interest rates and down payment requirements as low as 3.5%.
Simple meaning no adverse credit in the recent past, good credit score, and at least 3% for a down payment?
With loan amounts up to $690,000 in San Diego County, Conventional may be the best way for you to go.
Have you had some recent adverse credit events that may have made your credit less than perfect?
Maybe a short sale, bankruptcy, or foreclosure?
FHA is a bit more forgiving than conventional when it comes to these types of events.
Don't worry, FHA still offers low interest rates and down payment requirements as low as 3.5%.
Mortgage bonds held at their 100-day Moving Average this morning and with a move higher today have broken above their 30-day (better interest rates) with news of recent inflation being "transitory".
I'm not sure if I trust the transitory notion yet, but the markets are liking it and that's positive for mortgage rates.
My focus will turn to the 10-year Treasury.
It has broken beneath a few significant floors of support and if it opens below these tomorrow, we could see some reversal of the mortgage rate increases we've seen recently.
I'm not sure if I trust the transitory notion yet, but the markets are liking it and that's positive for mortgage rates.
My focus will turn to the 10-year Treasury.
It has broken beneath a few significant floors of support and if it opens below these tomorrow, we could see some reversal of the mortgage rate increases we've seen recently.
Whether you are looking for loan pre-approval to buy your first home or your fifth, want to refinance your current mortgage(s), pull cash out of your properties, or you just want us to review your current real estate investments to make sure they are optimized for your financial goals, we are here to help.
Don't worry, if your needs don't fit our services, we will gladly point you in the direction of one of our partners that can help you.
2. Let's Review - If you like our discussions and want to take the next step, we will request documentation from you to do a full financial review.
Don't worry, if your needs don't fit our services, we will gladly point you in the direction of one of our partners that can help you.
2. Let's Review - If you like our discussions and want to take the next step, we will request documentation from you to do a full financial review.
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