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NMLS: 365482
Contact Info

Jason Vondrak

Prospect Financial Group, Inc.

T: (858) 605-0952
F: (858) 225-7082
1940 Garnet Ave
Suite #320
San Diego, CA 92109

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Prospect Financial Group, Inc. understands that the mortgage industry is a very mature and sophisticated marketplace where pricing and product availability can make or break a mortgage company. We realize that no longer can slick marketing practices and extensive advertising campaigns promote success in the absence of superior pricing.

We not only pride ourselves on superior pricing and product availability, we also believe we have achieved an unparalleled customer service policy that sets us apart from other industry price leaders.

Our business model is simple:
Superior Pricing + Superior Customer Service = Superior Customer Satisfaction

In focusing on our business model, we are able to achieve the following:

  1. Our sense of integrity will always be our first priority.
  2. We will share our success with you by delivering the lowest rate and fee structure with efficiency and consistency.
  3. We will establish a positive, energetic, and professional relationship with our clients that will keep them coming back for all of their home financing needs.

We specialize in California home refinance and purchase loans. Some of the most popular loans programs that we offer include fixed-rate mortgages, adjustable-rate mortgages, FHA loans, VA loans and HARP 2.0.

Visit us at ProspectRefinance.com to request a free, no obligation quote and speak with a mortgage professional today!


Contributions to Lender411
Blogs
Mortgage Trends: Mortgage Applications Increase in Spite of Rate Increases Yesterday
Refinance: Reasons to Refinance 2 days ago
Refinance: HARP 3 Refinance Program 2 days ago
Mortgage Trends: 850K Borrowers Rise Out of Negative Equity in Q1 5 days ago
Home Purchase: Rising Mortgage Rates Make it a Great Time to Sell 6 days ago
more...
Answered Questions
Lender411.com: Can I be processing two loans at the same time and back o… Yesterday
Lender411.com: Can I cash out on my investment property if I am unemployed? Yesterday
Lender411.com: Can I convert my FHA loan into a conventional loan? Yesterday
Lender411.com: What type of loan has the most stringent form of credit g… 2 days ago
Lender411.com: Is a pool technically eligible as a home improvement? 2 days ago
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Contacted consumers with following loan scenarios
California , Home Purchase, Good Credit, Amount: $282,500, LTV 97% Mar 30th 2013
California , Home Refinance, Excellent Credit, Amount: $1,107,500, LTV 89% Jul 27th 2012
California , Home Refinance, Excellent Credit, Amount: $752,500, LTV 85% Mar 5th 2012
California , Home Purchase, Excellent Credit, Amount: $200,000, LTV 80% Jul 27th 2011
California , Home Refinance, Excellent Credit, Amount: $310,000, LTV 94% May 7th 2011
Great rate on refi
Prospect Mortgage got me a great rate and were very flexible. My home appraised for more than I thought it would and they were able to lower my rate during the process. The loan took a little longer than normal to close, but the team at Prospect made sure to deliver the rate and terms that they originally promised, even though interest rates were fluctuating. I saved a ton of money on my monthly payment.
By tara.c_299_636 on March 14, 2013
Excellent Refi Process
I just completed a refi through prospect financial, I have to say the process was quick, and quite simple. Have already recommended to other friends.
By thomas_666_353 on March 9, 2013
My refinance experience
Jason Vondrak and his partner Tony Rice promptly answered all my questions throughout my refinance process. Prospect Financial did a nice job getting my home mortgage payment reduced to allow me additional flexibility paying for my kids education.Thanks,Tim Grasser
By timand_821_762 on March 7, 2013
Editorial Director
From the many loan providers that contacted me about refinancing my home mortgage, Jason Vondrak at Prospect Financial Group offered the best rate with the best terms. Although the process took longer than I anticipated, everything went smoothly and I was very satisfied with the end result--a new mortgage interest rate that's the envy of family and friends.
By thesoc_416_347 on March 7, 2013
Mortgage Applications Increase in Spite of Rate Increases
by Prospect Financial Group, Inc.
Jun 18, 2013
Numbers released by the Mortgage Bankers Association revealed that there has been an increase in the number of mortgage applications filed, even with the recent increase in mortgage rates. During the week ending on June 7th,...
read more...
Reasons to Refinance
by Prospect Financial Group, Inc.
Jun 17, 2013
With the recent increase in home values, many homeowners have been capitalizing on the lowest rates in history before it's too late by taking advantage of one or more of the following refinance options: Lose Your...
read more...
HARP 3 Refinance Program
by Prospect Financial Group, Inc.
Jun 17, 2013
In January President Obama first announced the possibility of HARP 3 in his State of the Union address. With the HARP 3, borrowers who are underwater on their home loans will be able to refinance their mortgage even if their...
read more...
850K Borrowers Rise Out of Negative Equity in Q1
by Prospect Financial Group, Inc.
Jun 14, 2013
850,000 borrowers rose out of negative equity in the first quarter of 2013 according to CoreLogic. The increasing values of homes across the country can be attributed to the increase in home values. CoreLogic's chief...
read more...
Rising Mortgage Rates Make it a Great Time to Sell
by Prospect Financial Group, Inc.
Jun 13, 2013
According to Zillow's CEO Spencer Rascoff, rising mortgage rates mean it's a great time to sell you home. Many Americans are looking to buy a home, as they want to take advantage of the low mortgage rates before...
read more...
Ways to Save on Your Mortgage
by Prospect Financial Group, Inc.
Jun 12, 2013
When homeowners are looking to save on their mortgages one of the first things they may think of would be refinancing to a lower rate. However, there are also some other ways to save on your mortgage that might not be as...
read more...
Down Payment Percentages Drop
by Prospect Financial Group, Inc.
Jun 11, 2013
In a recent LendingTree study we learned that even as mortgage rates have been rising, homeowners have been purchasing homes with smaller down payment percentages. The study revealed that since May 2011, the average size of a...
read more...
9 Million Americans Are Still Eligible to Refinance
by Prospect Financial Group, Inc.
Jun 10, 2013
Lender Processing Services' April Mortgage Monitor revealed that there are still approximately 9 millions Americans that are eligible to refinance their home loans with today's low rates.These homeowners are perfect...
read more...
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