3 Reasons You Should Hire Me As Your San Diego Mortgage Loan Officer in 2021

(Please note - Below is a (not so great) word for word transcription)

Hey, what’s going on?

It’s Scott Taylor, with sandiegorealestatehunter.com.

Licensed to the state of California, for both real estate and mortgages, with the emphasis on San Diego.

Now, with a lot of choices to represent you on your next home purchase or refinance in San Diego, I wanted to lay out three great reasons why you should choose me as your loan officer.

Number (1), access to all types of programs.

Must Read: San Diego Mortgage Loans - Rates, Terms, Limits

So, I have the access to everything that's available in the state of California.

I have access to down payment assistance and closing cost assistance and first time home buyer programs and the M.C.C. tax credits.

I have access to conventional and F.H.A. and V.A. and conforming and the home ready and the home possible and the F.H.A. two or three K.

I have access to all these different types of programs.

Probably programs that you have never heard about, probably programs that most loan officers have never heard about.

You know why?

Because, number (2), I am not retail, I am wholesale. 

Here's how this works.

Search Now: See the latest San Diego homes, townhomes, and condos for sale… 

You are the buyer or the borrower, I am a loan officer, I work for a mortgage broker and we are signed up with different wholesale lenders in the state of California.

We’re signed up with a lot.

If you walk into one bank, you deal with just that bank’s loan products or a credit union and you walk in and say, “Hey, how about this program?” and they say.

It doesn't exist.

That's not true, they don't have it.

It means, it exists, they just don't have it.

So, when you or someone like me, I can shop all those little programs that I just talked about, with all these different lenders.

Guess what?

There's some that specialize in down payment assistance stuff, there's some that specialize in just F.H.A. or F.H.A High balance or Piggybacked loans or help me buy ten percent down job jumbo or five percent down Piggyback.

And then, guess what?

A lot of these different wholesale lenders of course, are fighting for the business.

San Diego Homeowners: We have qualified buyers desperately seeking to buy immediately and pay top dollar…

So, sometimes they're going to run specials on, maybe interest rate specials or what's called lender/ credit specials or maybe they have special programs that you can go [double two only] or bank statements only or if you're self-employed, there's special self-employed loans available, that maybe you don’t even know existed because you only walked into one bank or one credit union.

Guess what?

Take it to me and let me shop that for you. 

Number (3), deal structure.

If you have seen any of my other videos, especially about representing you as the buyer's agent, I talk about deal structure, because deal structure is so important.

I understand this, I started real estate investing with no money and I said, “Okay, how can I buy a property with no money, knowing there might be a down payment, knowing there might be closing costs?

How do we structure that stuff correctly?”

I understand what you're trying to do, maybe you're trying to get in with as little money as possible, maybe you’re trying to restructure your offer to where there is a lender rebate; you qualify at one rate, we write it at a rate a little bit higher.

Need Money? Whether you are a first time home buyer, currently own, or have owned in the past – you can get money to cover your down payment and closing costs – see the best programs now… 

There's a difference there. Maybe that covers closing costs, maybe we want to do a seven one arm or a fifteen year, versus a thirty.

Or maybe you're like Scott, you know what?

I'm not going to sell right away, I'm probably not going to [inaudible 00:03:35] right away.

I would want to do what's best.

It might be, “Hey, guess what? I paid those closing costs out of pocket.”

If you’re going to be in a property for a long period time…

I’m a big picture dude, I’m a deal structure, big picture guy, I get this stuff like that and I understand what you want to do. 

Here's the deal,

I get that there's a lot of choices, there's a lot of websites, there's a lot of guys in suits and ties.

I don’t wear a suit and tie, I don’t need the [inaudible 00:04:01], it doesn't have to be stuffy, it doesn't have to be hard, it doesn't have to be tricky or difficult.

Have you gone to those sites and try and find out information and they say one rate, only to find out that you had to pay discount points, you have no idea what discount points were?

Don't bother with that.

Go to my website: sandiegorealestatehunter.com.

Over 500 articles. A lot of the on mortgages and deal structure and different types of mortgages and the [inaudible 00:04:28] chain, [inaudible 00:04:29] chain streamline and all that stuff.

Go there and check out our fantastic articles.

Apply Now: Why wait? Apply online 24/7 using our secure loan application, from any computer or device, and let Scott find the best loan options based on your needs – takes less than 10 minutes…

See some of my videos, where I try and break this stuff down as easy as possible.

Or better yet, go to scottsloanapp.com.

In twenty minutes or less, you can fill out an online application, whether it's on your phone, smart device or computer. As soon as you are done, I’ll get a text alert, I’ll pull your credit, you don't pay for it, I’ll pay for it.

I’ll call you up, I’ll make sure the credit report looks good and then I’ll say, “Hey, we're sitting good, let me give you a list of supporting documents that you’re going to need.”

Things like the last two years tax returns, the last two years W2s, a driver's license and social security card, the full month’s paychecks, last two full months’ bank statements, all pages.

If you have a 401K or IRA or stocks or bonds.

Then depending on what your credit report might say, we might hear a few things; like if you have Chapter seven or Chapter thirteen or short sale or foreclosure or alimony or child support, maybe you have a student loan but you're doing a pay as you go or pay based off of income.

Go to scottsloanapp.com to get started and let me be your mortgage loan officer in San Diego.

Leave me a comment below – or, contact me here

Your Mortgage Loan Officer, 

Scott

Where Do You Want To Go Next?

By clicking “Send” I/We agree by electronic signature as stated below: 1) To be contacted by telephone even if the telephone number appears on a State/National Do Not Call registry or any company’s Do Not Contact lists. 2) To this website’s Privacy Policy and Terms of Use.

See San Diego's Newest Listings Below...

2739 Properties
Page 1 of 229
$800,000
Subdivision: Mira Mesa
3
Beds
2
Baths
1,134
Sq.Ft.
1976
Year Built
2
Days on Site
304408436
MLS
Property located in desirable Mira Mesa area close to all: Freeway Shopping, grocery stores, entertainment, schools, parks public transportation etc. Storage shed in the back yard approximately 8x10...
Coming Soon on 11/11
638 Mission Ct Chula Vista, CA 91910
3
Beds
2
Baths
1,765
Sq.Ft.
1965
Year Built
2
Days on Site
304997548
MLS
First impression: Driving into this beautiful culdesac should stir emotions. This property is near the end. Private rear yard with neighbor well below. Stone fireplace in spacious living room with...
5
Beds
4
Baths
3,522
Sq.Ft.
2002
Year Built
2
Days on Site
304997878
MLS
Entertainers Delight! Your own Tropical Resort in this wonderful home, Solar heated Swimming Pool with Waterfall Grotto and Pool Slide, outdoor natural gas Firepit, custom Barbeque Island with 2...
$649,900
Subdivision: El Cajon
3
Beds
2
Baths
1,248
Sq.Ft.
1958
Year Built
2
Days on Site
210029650
MLS
Be Home for the Holidays with this recently updated home situated in the heart of El Cajon. This 3 bedroom 2 bath home offers a light & bright open floor plan with bonus room, kitchen with stainless...
Coming Soon on 10/28
6324 Greenhaven Dr Carlsbad, CA 92009
$1,599,000
Subdivision: Bressi Ranch
4
Beds
3F11/2
Baths
3,019
Sq.Ft.
2006
Year Built
2
Days on Site
210029641
MLS
Located in the highly sought after neighborhood of Bressi Ranch. This 4 bed, 3.5 bath will not disappoint. Walk into an abundance of upgrades, including a brand new kitchen boasting gorgeous quartz...
$1,949,000
Subdivision: Leucadia
2
Beds
2F11/2
Baths
2,000
Sq.Ft.
2021
Year Built
2
Days on Site
210029651
MLS
New Construction west of Coast Highway in Leucadia! Welcome to Surfside Luxury Lofts offering the best in modern, urban, coastal living. Introducing Residence 6...enjoy upscale living in this 3bd/2....
Coming Soon on 10/28
1936 Rosewood Vista, CA 92081
$779,000
Subdivision: Shadowridge
3
Beds
2
Baths
1,366
Sq.Ft.
1988
Year Built
2
Days on Site
210029652
MLS
Behind the gates of Rancho Montecito sits a highly coveted single story , renovated home in the desirable neighborhood of Shadowridge. Enjoy the ocean breeze through your newer windows and the...
$2,199,998
Subdivision: Covenant
3
Beds
3
Baths
4,309
Sq.Ft.
1989
Year Built
2
Days on Site
210029653
MLS
This is the Rancho Santa Fe Covenant cosmetic remodel you've been waiting for! Situated on just over 2 acres, this single-story 3 bedroom, 3 bathroom home features classic Southern California style....
5
Beds
3
Baths
1,858
Sq.Ft.
1969
Year Built
2
Days on Site
304997902
MLS
Gorgeous Single-Story home in the desirable neighborhood of Santee! Featuring Two master suites, Paid off Solar and new roof, all AC duct work just replaced, and with countless upgrades throughout...
$579,000
Subdivision: Paradise Hills
3
Beds
1
Baths
922
Sq.Ft.
1956
Year Built
2
Days on Site
304433378
MLS
Paradise Hills home with a beautiful view! This charming 3 bedroom home has so much to offer! *Original hardwood floors throughout *Recently updated kitchen with newer cabinets, stainless steel...
3
Beds
2
Baths
1,200
Sq.Ft.
1960
Year Built
2
Days on Site
304435584
MLS
***THIS HOME IS NOT FOR RENT*** Owner Occupied, Please DO NOT disturb sellers.***This home has been beautifully updated from the inside out. It includes 3 bedrooms and 2 full baths. Brand new roof...
$1,500,000
Subdivision: Rainbow
2
Beds
2
Baths
40
Acres
2
Days on Site
304997918
MLS
WOW! Here is one of the rarest opportunity to own 40 acres in beautiful Rainbow-Fallbrook, California. This mature property is complimented with water and power. This gorgeous community offers...

Get Scott's Personal Help Below...


This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

Post a Comment