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Interested in purchasing a home in SD

What are mortgage rates like in San diego? I am looking into a home near Del Mar, but I know it is pricey by drmann143728 from Flagstaff, Arizona. Mar 16th 2015 Reply


Chris Gummerson (cgummerson11)
#366 ranked lender in California - 648 contributions

The rates are generally the same from state to state. A few states have state adjustments. Have you spoken with anyone regarding getting you pre-approved?

Mar 16th 2015
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William J Acres (William_Acres)
#2 ranked lender in Arizona - 7,933 contributions

Rates are great right now, but no loan officer with any integrity would ever throw out a rate without knowing all the details of your loan parameter.. Credit score, credit deficiencies, income, debt, debt to income, loan amount, down payment percentage, property type, etc, etc, etc.. so much more info would be necessary that it would incompetent for anyone to quote you without knowing all the details.. The best advice I can give you is to contact a LOCAL mortgage broker and apply with them. Once they see your complete loan profile, they will be better equipped to advise you properly. Also, by applying with your LOCAL Broker, you have an advantage because he's familiar with local customs and works with many lenders with each one offering a different type of lending program. This is unlike the local bank which typically only has a few lending programs. The more lenders, the more lending options, and the more likely your scenario will be accepted.. Plus, the broker is experienced in seeking out the best loan terms for your particular scenario, and he has lower overhead which typically results in lower rates and fees than most of the larger lenders.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com

Mar 16th 2015
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Andy Brown (abrown@guildmortgage.net)
#1097 ranked lender in California - 3 contributions

Mortgage rates are typically not based on geographic location but on your specific needs and type of financing. I am local Mortgage Advisor located in San Diego and live in Del Mar and would be happy to be a resource for you.Andy Brown -858-922-4709abrown@guildmortgage.net

Mar 16th 2015
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Sean Young (SeanYoung)
#2 ranked lender in Colorado - 1,107 contributions

Interest rates are still amazing across the entire U.S. The price of the home, property taxes, homeowners insurance, possible mortgage insurance and possible HOA fees will all need to be considered. I would speak with a local loan officer in the state you want to purchase in and have them review your information so they can give you all of the available options that you qualify for. Then you can make the best decision based on your needs and wants. Best wishes, Sean

Mar 17th 2015
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