Finding a San Diego mortgage broker or lender was no easy task. Go to the San Diego housing commission website you will find a list of about 100 or so mortgage brokers and I was completely overwhelmed when I saw that list. See what I mean?
I called a few of them and they were all very arrogant and rude and would not answer any of my questions. I had researched mortgages thoroughly and knew what I wanted. They said things like “we ask the questions here and we are not going to help you at all unless you give us your name, social security number proof of income etc. etc.” My competitive nature came up and I just refused to talk to any of them further.
Tip: Do not ever fork over your social security number this early in the process. This will harm your credit score if not done correctly.
The timing of when you do this DOES matter in how much you pay on your loan. You stand to lose thousands if not done correctly. Do not let anyone bully you into forking over your social security number, I don’t care how awesome they sound; not at this stage of the process. Finding a San Diego mortgage broker who is worth their salt would never ask you to fork over you social security number this early in the process.
I put all of their email addresses in one email with my required questions and criteria for dealing with them and sent a blast to all 100 of them. I was now in control of the entire finding a San Diego mortgage broker process. I did it my way! Only 15 or so of that 100 responded. Of that 15 only 2 would even consider my questions. Of those two I found the scientist of the mortgage world, the most clever creative mortgage person that I’ve ever met.
Finding a San Diego mortgage broker that knows the first time home buyer process.
I found the mortgage scientist
In finding a San Diego mortgage broker that we felt that could really work with us, we consider ourselves so fortunate. She viewed us not as a nuisance but as an intriguing puzzle. I swear it was more like watching a scientist with a lab coat than someone with a power suit looking condescendingly at us. She actually got excited by the challenge. Caroline was so awesome to work with that I have to refer her to you. Please call me and I’ll get her in touch with you. Chuck (619) 886-1826 or email me below.