Loan Programs

The Federal Housing Administration (FHA) announced Wednesday that it will be making some major changes to its programs in an effort to shore up its finances.  That means buyers who were hoping to get a San Diego Home loan using the FHA program need to take action soon or will have to comply with the […]

In 2013, VA Loans in San Diego County will have a limit of $500,000 for 100% financing.  This is an increase from $477,000 for 2012.  VA Home Loans in San Diego are available above $500,000 with a small down payment.  As a San Diego Mortgage Broker, we have lenders who will go up to $1.5 […]

The American Taxpayer Relief Act of 2012 was passed on January 1, 2013. The ATRA included a benefit for those who have or will choose a Low Down Payment Loan in San Diego with Mortgage Insurance. Borrower-paid Mortgage Insurance (MI) premiums are now tax-deductible through 2013. They have also been made retroactively tax deductible for […]

The 2013 San Diego County FHA loan limits will remain the same as 2012. The maximum loan limit will stay at $697,500 for San Diego FHA loans. FHA loans with loan amounts below $417,000 in San Diego are considered “conforming” and will have slightly lower rates and less stringent guidelines. FHA Loans in San Diego […]

As a San Diego Mortgage Broker specializing in the HARP 2.0 Program, I have helped many owners of rental properties refinance and take advantage of the current historic low interest rates. That’s right, the San Diego HARP 2.0 Refinance program, which allows homeowners to refinance when they owe more on their mortgage than their house is […]

If you are considering a San Diego Mortgage Broker who can advise you on a Home Equity Conversion Mortgage (HECM), more commonly known as a reverse mortgage, then The Mortgage Planners are the right choice for you.  We have 10 years experience in helping Senior’s in San Diego obtain reverse mortgages. If you decide to […]

*This post has been updated.  Please see 2014 Conforming Loan Limits in San Diego. The 2013 conforming loan limits for San Diego County will remain at $417,000 for traditional conforming loans and $546,250 for the San Diego high balance conforming loan program.  This is good news for those who are still looking to purchase a home in 2013 […]

How Low Can You Go! The availability of low down payment loan options in San Diego has increased over the last few years, compared to right after the financial crisis of 2008.  Many homebuyers do not have a 20% down payment and are looking for other options to be able to purchase a home in [...]

Veterans seeking to purchase a home in San Diego County are encouraged to get pre-approved for a San Diego VA loan before 2013.  With the passage of the Honoring America’s Veterans and Caring for Camp Lejeune Families Act, qualified veterans can receive guaranteed San Diego VA home loans as high as $518,750, up from the […]