Forgotten Your Password?

Need to Register?

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!

Prospect Financial Group, Inc.

NMLS #365482 | BRE #01779147

1940 Garnet Ave. #320

San Diego, CA 92109


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
Is it really possible to determine when the best time to lock your interest rate in is? The mortgage industry is constantly displaying much uncertainty, making this decision quite tough. However, as the U.S. economy...
read more...
House flipping has become a popular investment as of recently. Simple fixes to a house that needs a makeover can drive up the price for a nice resell. However, house flipping is not as easy as it looks or sounds. See below to...
read more...
Purchasing a home requires lots of your time and energy. While it's easy to go with the first rate you come across, it's smart to view multiple offers. This way, you are able to find the lowest rate possible. This...
read more...
Student loans, credit card debt from the holidays, and housing remodel expenses can all be taken care of this year by utilizing a cash-out refinance. Now that we are officially well into the new year, it would be nice to have...
read more...
A loan-to-value ratio, commonly known as an LTV, is something to be aware of when you are looking to apply for a loan program. After all, an LTV can be the one determining factor that decides if you are approved for a...
read more...
When you're in the market to refinance, the term "rate lock" will be mentioned quite a bit throughout the process. With rates constantly fluctuating, it's difficult to know when you should lock a rate in. Learn the...
read more...
Your first home will likely be one of the biggest purchases you will ever make. With so much to think about, how can you make this process less stressful and more efficient? Read below to learn some ways you can make your...
read more...
What is Fannie Mae? This government-sponsored enterprise is also known as the Federal National Mortgage Association and was designed to expand the secondary mortgage market. Fannie Mae was established by Congress in 1938...
read more...

 Click here to request a free, no obligation quote and see how much you can save with a home refinance loan! 

Contributions to Lender411

Articles 3
Blog Posts 399
Advice 831
Poll Votes 410
Equal Housing Opportunity
Subscribe to our news feed.