San Diego's #1 3% Down Conventional Home Loan Secrets Revealed for 2021

(Please note: This video was created prior to 2021 - but, these new higher loan amounts have been updated for 2021...)

In this video I reveal some secrets of the 3% down Conventional Mortgage Loan in San Diego you might not be aware of.

This mortgage loan is great for anyone that wants to put down as little as 3%, get a loan amount up to $548,250, or put down as little at 5%, and get a loan up to $753,250 and take advantage of record low interest rates.

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Without further ado - let's jump into some great secrets about the conventional loan...

Secret #1 - You Can Combine With My Down Payment Assistance Program

The great thing about the Conventional Loan - is that if you *do not* have a down payment yourself - you can either get a gift from: parents or another relative, an employer, an approved charity group, or a government home buyer program.

My #1 down payment assistance program will cover your 3% down payment, up to a $753,250 loan amount so, that limits your cash out of pocket.

Secret #2 - Unlike USDA, FHA, and VA - You are *Not* Limited On Town home/condo Purchases

If you are buying a townhome/condo in San Diego - and you use a USDA, FHA, or VA Loan - these need to be on their own specific lists of being approved.

The great news for the Conventional Loan, when buying a townhome/condo - you can buy wherever you want - no lists needed.

Secret #3 - You Can Buy Up To a $753,250 Loan Amount

The loan limits in San Diego have increased several times over the last many years - and now, they are higher than ever which is great news if you have a limited down payment.

You can put down 3% up to a $548,250 Loan Amount.

And, you can put down 5% from the $753,250 Loan Amount.

Secret #4 - You Can Have a Short Sale, Foreclosure, or Bankruptcy on Your Credit

You can still buy even if you have had credit issues in the past. It's 7 years for a foreclosure, 4 years for a Chapter 7 bankruptcy, and for a short sale it's as little as 2 years.

Secret #5 - You Don't Need Money For Closing Costs

If you are spending every last dime for the down payment, and have nothing left for closing costs, don't worry. We can ask the seller to pay those, use a lender rebate (video explains), or a combination of them both.

Here's your steps to begin:

Fill out my online application in 10 minutes or less at

Once complete, log back in, finish application, and upload your needed documents (Drivers license, last 30 days paychecks, last 2 months bank statements, latest stocks/bonds/mutual funds/etc statements, last 2 years taxes and W2's)

I will be alerted, check everything over, run your credit, review, and contact you about best scenario.

Here's more San Diego conventional home loan videos below:

SD 3% Down Conventional Loan Details

SD 3 Down Conventional Loan Secrets

SD 3 Down Conventional Loan Q & A

SD 3% Down Conventional Loan Needed Documents

What do you think?

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Your San Diego 3% Down Conventional Insider,


5 San Diego Conventional Loan Secrets Revealed!

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