Vision One Mortgage

We can fund your low fico HARP loans (DU REFI plus). Vision One has no credit score overlay for Fannie Mae owned HARP eligible loans. We issued an approval to a borrower with a 585 mid score this morning! Call Shane at 949-253-3480 ext 204 for details.

Don't "fall out" of escrow! Vision One offers very flexible loan programs for your home purchase needs. We offer FHA loans for low credit scores (down to 500) as well as conforming, jumbo, super jumbo, and "piggy-back" financing. Call (949) 253-3480 xt 204 with your scenario today.

Did you know that Vision One offers Reverse Mortgages? Call 949-253-3480 xt 204 for details (qualifying borrowers must be at least 62 yrs of age).

Beautiful San Diego- where the conforming loan limit is only $546,250 and the FHA loan limit is now $625,000. If you owe upward of these amounts, lets talk! We can refinance you into a fixed rate conforming 1st mortgage and concurrently close a low rate HELOC to absorb the difference. Get out of that MONTHLY MORTGAGE INSURANCE and start saving today!

Self-employed? Vision One Mortgage can qualify you for a refinance using your personal bank statements as income (averaged deposits over 12 months). You can even take cash out! email [email protected] for more info or call (949) 253-3480 xt 204

Purchasing a home? Vision One may be able to qualify you for a 3% GRANT that can be applied to your down payment OR closing costs! By definition, the GRANT does not have to be paid back, nor is it counted against your qualifying debt to income ratio. Email [email protected] for more info.

12 Months Personal Bank Statements as income for Self Employed Borrowers!!! 1) Must be Self Employed for 24 months 2) 12 months consecutive months personal bank statements 3) Bank statements prove the ability to pay... 4) Loan amount from $100,000 to $2,000,000 5) 45% ratio 6) 740 Credit Score 7) 6 months reserves for $1,000,000 or less 8) 12 months reserves for $1,000,000 or greater 9) Primary Single Family Homes only 10) 70% LTV Rate & Term 11) 65% LTV Cash Out See more

"Mortgage Rates Fall Modestly, Staying in New Lower Range. Jan 16 2014 Mortgage rates moved lower today preserving the pocket of recovery that formed on the heels of last week's Employment Situation report. Every day so far this week has offered the lowest rates in the past 30 days, and this wouldn't have been the case if we'd gone any higher today.... Such a move would have risked reintroducing 4.625% as the most prevalently quoted conforming 30yr fixed rate for ideal scenarios (best-execution). As it stands, today's strength keeps 4.5% in force. When adjusted for day to day changes in closing costs, rates fell an equivalent of 0.03% today." By Matthew Graham

Mortgage rates continued lower at a fairly brisk pace today, extending the already impressive drop that followed Friday's employment data. By Friday afternoon, the longstanding 4.625% best-execution rate was sharing equal space with 4.5%. Today's improvement results in 4.5% standing alone as the most prevalently-quoted conforming 30yr fixed rate for ideal loan scenarios. There continues to be a fairly large gap between rates in terms of the cost required to buy down to 4.375%.