HAVE THE BEST HOME LOAN EXPERIENCE
We are dedicated to making sure your home purchase or refinance experience is the best.
We have many loan and mortgage products that we can tailor to your specific needs with quality service and individual attention.
Using technology, you can submit a complete online, secure loan application or pre-qualify for a home loan. We can then evaluate with you the different financing options you available to you. This way we can get you the right mortgage at the right rate.
We have special loan programs for many people including veterans, law enforcement, senior citizens, and others. Let's see if you qualify.
When you see a home you really want, don't wait. Make an offer, it usually does not obligate you to buy the home, especially if you have contingencies, like getting final loan approval and your approval of a property inspection.
Although you can usually cancel an offer to purchase based on contingencies like loan approval, many home sellers require lender pre-approvals from a home buyer before they will consider an offer.
If your serious about looking for a home, we need to get you pre-approved. Don't let someone else buy your dream home just because you didn't plan ahead.
If you are retiring and looking to sell your larger home and downsize into a new retirement home, we have special financing programs that can include no monthly mortgage payments.
Reverse mortgages for refinance
Reverse mortgages for purchase
Reverse mortgages for lines of credit
Home equity line of credit loans
Home equity participation programs
Hard money loans
Saving clients money
Working with multiple lenders, escrow and title companies
Commercial property financing
Real estate legal issues as an lawyer
Know San Diego County and was raised in La Jolla and the beach areas
Mortgage loan officer for over 15 years (NMLS1431930, 1476841)
California real estate broker for over 40 years (CalDRE00304497)
California real estate lawyer over 35 years (CalBAR106463)
California general contractor over 35 years (CSLB339950)
I am personable, take care of my clients, and they love me for it!
Memberships & Services
Zillow Mortgage Team
National Association of Mortgage Brokers (past)
Credit Technologies, Inc
San Diego Association of Realtors
National Consumer Reporting Association (past)
YOUR MORTGAGE PRE-QUALIFICATION AND PRE-APPROVAL PROCESS
As Bob Weaver, a Mortgage Loan Consultant, I offer you, through Mortgage Preflight, the opportunity to find out your mortgage FICO credit scores and a credit report. These scores are used are applicable to you in applying for a real estate mortgage.
To get your FICO scores directly, you can click in the Mortgage Preflight link here:
When you get to the website, now click on the MORE button just below my name to read about the process. When you get your three credit scores, I will also be notified that I can send you a complete credit report. This is the same credit report I can use to get you the loan you need. I will forward a copy of that report directly to you. The cost for this service and the mortgage credit report is $44.90 payable by credit card to the credit reporting company.
This credit report includes scores from all three credit bureaus and is good for mortgage use for 90 days. It is considered a hard inquiry that may lower your future credit score by a few points for a while.
If you want a free credit report from one credit bureau that cannot be used by lenders for mortgage purposes go to https://www.freecreditreport.com
There are several steps to obtaining a loan:
1. Mortgage pre-qualification (available even if you do not have a specific property) gives you a general idea of the home price range you can afford. In this process you supply information to me about your credit score, assets, income, and expenses one of two ways, either:
(a) using the secure website: https://blink.mortgage/app/login/partner/7K6AN8AL
OR (b) I can interview you over the telephone (not as complete as the online information).
2. Loan pre-approval comes from a specific lender (available even if you do not have a specific property). The lender needs more definite information about you. I go to different lenders to get you the best deal. I will need, at a minimum:
(a) an application completed at this secure website: https://blink.mortgage/app/login/partner/7K6AN8AL
(b) a mortgage credit report on you (through Mortgage Preflight), and https://setup.mortgagepreflight.com/Order/Index?UID=fe657296-736a-40f1-b44d-373a74707c50
(c) (i) your last two years' tax returns and W-2s, (ii) thirty days of pay stubs, and (iii) sixty days of bank account statements.
3. Additional information may be needed, especially if you are self-employed.
4. This information will be used by me to go to several lenders to get you the best possible loan for your fact situation.
Please contact me for any questions.
4725 Mercury St. #210, San Diego, CA 92111