Welcome to San Carlos Mortgages, Inc.
About
San Carlos Mortgages
San Carlos Mortgages is a local small business serving the community of San Carlos in San Diego, CA with home financing needs. Stable homeownership leads to a stronger community and San Carlos Mortgages provides the education you need to be an informed consumer. We all benefit from a stronger neighborhood. San Carlos Mortgages is a fully licensed mortgage broker that will look at multiple lenders to determine the best loan for you. Shopping for a mortgage can be stressful. Using a competent broker to shop around for you reduces the stress of home financing. Usually, brokers can access better rates than traditional lenders.
Miles
Miles actively serves the public as a credentialed Mathematics teacher with over 12 years of teaching experience. He lives in San Carlos with his wife and children and would be happy to help you with your home financing necessities. As an educator, I will answer any questions that you have during your home financing process. Many banks, credit unions, or other financial institutions hire loan officers that are not familiar with the area or have limited experience and training. At other institutions you might not know who your loan officer is. With San Carlos Mortgages, you can be assured that you are working with Miles- a local homeowner and small business owner.
Loans
Purchase Loans
If you want to purchase a home or condo and do not have enough money to pay the full purchase price, you will need a home loan. If you can purchase property outright, you may still want a home loan. High balance and Jumbo loans available.
Refinance Loans
Reasons to refinance include a change in rate, change in mortgage length, and eliminating mortgage insurance. A cash-out refinance can be used to pay off other debt, pay for college, or fund home renovations including solar or building an accessory dwelling unit.
Home Equity Loans
A home equity loan can be used to pay off higher interest debt or fund home renovations including solar or building an accessory dwelling unit.
FHA Loans
FHA loans are insured by the US Federal Housing Administration. These loans often have lower down payments than conventional loans.
VA Loans
Eligible borrowers can obtain home loans guaranteed by the United States Department of Veterans Affairs.