Bill Hierl
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The Integrity Mortgage Group Team is your premier mortgage team located in beautiful San Diego, California. We pride ourselves in offering great rates nationwide and make the loan process simple, straightforward and fast for borrowers seeking a mortgage anywhere in the fine states of California, Texas, Oregon, Washington, Idaho, and Louisianan!

Whether you are a first-time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, the highly experienced team of mortgage brokers here can help you take that first step toward a financial solution.At Integrity Mortgage Group you are not just another client, you are treated like family and considered a client for life.That is why 90% of our previous clients return to us for future business!
Services
The Bill Hierl - Integrity Mortgage Group team is committed to providing clients with the highest quality financial services combined with great rates available in your area.
The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
Whether you are purchasing your dream home, refinancing an outstanding loan, or consolidating debt, the highly experienced team of loan officers here can help you find the right loan program no matter what your needs are.
VA Loans are Designed to offer long-term financing to veterans.
VA loans are issued by federally qualified lenders and are guaranteed by the U.S. Veterans Administration.
The VA determines eligibility and issues a certificate to qualifying applicants to submit to their mortgage lender of choice.
It is generally easier to qualify for a VA loan than conventional loans.
Conventional loans are mortgage loans offered by non-government sponsored lenders.
A conventional, or conforming, mortgage adheres to the guidelines set by Fannie Mae and Freddie Mac.
It may have either a fixed or adjustable rate.
While many think that a 20% down payment is required for all conventional loans, many lenders now offer low down payment options.
One of the first choices a homebuyer will need to make is whether you want a fixed-rate or an adjustable-rate mortgage loan.
The bulk of loans will fit into one of these two categories, however, there is a third option that will allow you to "hybrid" the two.
An adjustable-rate mortgage, (ARM): The interest rate of the mortgage adjusts periodically based on market conditions.
For example, your payment will go up if rates go up and go down if rates go down.
Fixed-rate Mortgage: Unlike an adjustable-rate mortgage the interest rate is set at the time you take out the loan and will not change.
Jumbo Loans exceed the maximum loan amounts established by Fannie Mae and Freddie Mac conventional loan limits.
Rates on jumbo loans are typically higher than conforming loans.
Jumbo Loans are typically used to buy more expensive homes and high-end custom construction homes.
Typically Jumbo Loans require a higher down payment than traditional loans.
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