Welcome to CB Loans – Your San Diego Mortgage Experts
Are you looking to buy your dream home in San Diego or refinance your current mortgage? At CB Loans, we specialize in providing personalized mortgage solutions tailored to your unique financial situation. As a trusted mortgage broker in San Diego California, our goal is to simplify the home financing process, helping you secure the best rates and terms available in today’s competitive market.
With years of experience and a deep understanding of the local real estate landscape, our team is committed to guiding you every step of the way. Whether you’re a first-time homebuyer or a seasoned investor, CB Loans is here to help you achieve your homeownership goals.
Why choose the #1 San Diego Mortgage Broker for your home loan
Personalized Service and Expert Advice
Unlike banks or online lenders, a mortgage broker acts as your advocate, working with multiple lenders to find the best mortgage options that suit your needs. We offer personalized guidance, ensuring you understand your choices and make informed decisions.
Access to a Wide Range of Loan Products
San Diego’s housing market is diverse, with various loan options available. As a broker, we have access to numerous lenders and loan programs, including conventional, FHA, VA, USDA, jumbo, and specialty loans, providing you with more choices than you’d find on your own.
Competitive Rates and Lower Costs
Our established relationships with lenders allow us to negotiate competitive interest rates and lower closing costs, saving you money over the life of your loan.
Streamlined Process and Faster Approvals
We handle the paperwork, coordinate with lenders, and keep you informed throughout the process, making your home financing experience smooth and efficient.
Our Mortgage Services in San Diego, CA
First-Time Homebuyer Loans
Buying your first home can be overwhelming. We simplify the process by explaining your options, helping you secure favorable terms, and guiding you through every step.
Refinance Solutions
Refinancing can lower your monthly payments, reduce your interest rate, or unlock equity for other financial needs. We analyze your current loan and recommend the best refinancing options.
Jumbo Loans
San Diego’s luxury market often requires jumbo financing. We assist clients in securing large loans with competitive rates and terms.
FHA, VA, and USDA Loans
We specialize in government-backed loans, which often require lower down payments and have more flexible qualification standards.
Investment Property Financing
Looking to invest in San Diego real estate? We help you secure financing for rental properties, multi-family units, and more.
Why Work with CB Loans San Diego?
Local Expertise in San Diego Real Estate
Our team understands the San Diego housing market, local trends, and neighborhood dynamics, which allows us to tailor financing solutions to your specific location.
Transparent and Honest Advice
Integrity is at the core of our service. We provide clear information on costs, rates, and options, ensuring you feel confident throughout your mortgage journey.
Customized Mortgage Solutions
Every borrower is unique. We take the time to understand your financial situation and goals to recommend the most suitable mortgage program.
Fast and Efficient Service
Time is often of the essence in real estate transactions. Our streamlined process ensures quick approvals and minimal delays.
How the Mortgage Process Works in San Diego, CA
- Initial Consultation: We discuss your financial goals, credit profile, and property details.
- Pre-Approval: We help you get pre-approved, giving you a clear budget and stronger negotiating power.
- Loan Shopping: We compare various loan options and lenders to find the best fit.
- Application & Documentation: We assist in completing your application and gathering necessary documents.
- Processing & Underwriting: We coordinate with lenders to process your loan and address any requirements.
- Approval & Closing: We review the closing disclosure, schedule the closing, and ensure a smooth settlement.
Our Home Loan Programs in San Diego, CA
Home Purchase Loans
Planning to buy a home? We’ll tailor a loan to suit first-time buyers or seasoned investors. Our team personalizes solutions to make your homeownership dream a reality. Trust us to guide you through every step of the process.
Bank Statement & Investment Loans
Stated income loans don’t require tax docs or work history, perfect for investors and self-employed buyers. Even if your credit isn’t perfect, we can help fund your investment property or refinance. We understand the challenges of today’s economic climate.
Refinance Loans
Looking to lower your payments or access cash? Whether you want to refinance for better rates, pull out equity, or change terms, we’ve got options to fit your goals. Refinance with confidence and improve your financial situation today.
Reverse Mortgage
For seniors 62+, a reverse mortgage turns home equity into cash with no monthly payments. Insured by FHA, it provides financial flexibility and peace of mind in your retirement years. Discover if this option is right for you.
Fixed-Rate Mortgage
Secure your payment with a fixed-rate mortgage—your payments stay consistent, giving you peace of mind. Lock in today’s low rates and enjoy stability over the life of your loan. Perfect for long-term homeowners seeking security.
FHA Loans
FHA loans offer up to 97.75% financing and low down payments—just 3.5%! Refinance options like FHA Streamline make refinancing easier without an appraisal, ideal for first-time buyers and those with limited funds.
VA Loans
Veterans have served our country, and VA loans reward that service with great benefits. With over 21 million veterans, we’re proud to help you access favorable loan terms and assistance tailored for military families.
Benefits of Using a Mortgage Broker in the San Diego, CA
The San Diego real estate market is known for its competitiveness, fast-paced deals, and unique property landscape. Successfully securing your dream home here requires not only patience but also expert guidance. Partnering with a local mortgage broker provides a significant advantage, helping you access the best financing options and making your homeownership journey smoother and more successful.
Why Choose a Mortgage Broker in San Diego, California?
1. Access to a Broad Network of Lenders and Loan Programs
San Diego’s housing market demands tailored financing solutions. A seasoned mortgage broker has cultivated relationships with multiple lenders, giving you access to a wide array of loan options—many of which are not readily available to the general public. Whether you’re interested in conventional loans, FHA, VA, jumbo financing, or specialized programs, a broker can connect you with the right lender for your specific needs.
2. Expert Guidance in a Competitive Market
With their in-depth knowledge of the local housing scene, San Diego mortgage brokers can help you navigate competitive bidding situations and complex deal structures. Their expertise ensures you stay ahead of the pack, making informed decisions that give you the best chance of securing your desired property.
3. Personalized Service and Local Market Insight
A local broker understands the nuances of different neighborhoods, property types, and regional financing trends. This insider knowledge allows them to provide advice that’s specifically tailored to your neighborhood of interest and your financial situation, ensuring you make well-informed choices.
4. Save Time and Reduce Stress
Handling paperwork, negotiations, and lender communications can be overwhelming. A mortgage broker takes care of these tasks, streamlining the process and reducing your stress. This professional support allows you to focus on finding your perfect home while they manage the complexities behind the scenes.
5. Better Rates and Favorable Loan Terms
Thanks to their strong lender relationships and negotiation skills, mortgage brokers often secure more competitive interest rates and loan conditions compared to what you might find on your own. This can lead to significant savings over the life of your mortgage.
6. Assistance with Complex Financial Situations
Whether you’re a first-time homebuyer, an investor, or facing unique financial circumstances, a local mortgage broker can craft customized solutions. They have the experience to address special situations, helping you navigate challenges and find the right financing pathway.
Make Your San Diego Home Purchase Smarter and Easier
Partnering with a dedicated mortgage broker means having a local expert committed to helping you realize your homeownership goals. From finding the best loan options to negotiating favorable terms, a trusted broker makes the process more efficient, less stressful, and ultimately more successful.
Loan Amounts From $200k to $1M
- 1-year bank statements or 1-year full doc
- Up to 75% CLTV
- Minimum credit score: 680 FICO
- Max combined loan amount: $5 Million
- Fixed terms: 10/15/20/30
- Interest-only available on 30 year term
Loan Amounts From $150k to $450k
- 1 or 2-year bank statements or 1 or 2-year full doc
- Up to 90% CLTV on full-doc, 85% on bank statements
- Minimum credit score: 660 FICO
- Max combined loan amount: $2 Million
- Fixed terms: 10/15/20/30
- Balloon terms 30/15 – 40/15 (minimum $200k loan)
Frequently Asked Questions
1. What is a mortgage broker?
A mortgage broker is a professional who acts as an intermediary between borrowers and lenders. They help you find the best mortgage options by shopping multiple lenders on your behalf.
2. How does working with a mortgage broker benefit me?
Mortgage brokers provide access to a wide range of loan products, negotiate competitive rates, and streamline the application process, saving you time and money.
3. Do I pay a fee to work with CB Loans?
Typically, mortgage brokers are compensated by lenders. However, we are transparent about all costs, and we ensure there are no hidden fees for our services.
4. Can you help with bad credit or no credit?
Yes, we work with clients with various credit profiles and can recommend options suitable for less-than-perfect credit or first-time borrowers.
5. How long does the mortgage approval process take?
Generally, it takes about 30 to 45 days from application to closing, but it can vary depending on the complexity of the loan and the responsiveness of the borrower.
6. What types of loans are available in San Diego?
We offer conventional, FHA, VA, USDA, jumbo, and specialty loans catering to different financial situations and property types.
7. Do I need a large down payment?
Down payment requirements vary; some loans require as little as 3%, while others may require 10-20%. We can help identify programs suited to your financial capacity.
8. Can I refinance my existing mortgage with CB Loans?
Absolutely. We evaluate your current mortgage and recommend refinancing options to improve your financial situation.
9. What documents are needed to apply for a mortgage?
Typically, you’ll need proof of income, employment verification, bank statements, credit information, and details of the property.
10. Why should I choose CB Loans over a bank?
As an independent broker, we offer unbiased advice, access to multiple lenders, and personalized service that most banks cannot match.