Conventional home loans are the most popular mortgages that aren't backed by a government agency. If you're an eligible veteran, VA loans don't require a down payment or mortgage insurance. The self-employed, real estate investors, and others with unique qualifying circumstances can use non-QM loans.
Common in San Diego, Jumbo loans finance properties that are too expensive for conventional loans. When thinking about home loans, it's always cheaper to have a mortgage broker who's working for you. Work with top San Diego mortgage broker and business development expert John Giannattasio.
Common in San Diego, Jumbo loans finance properties that are too expensive for conventional loans. When thinking about home loans, it's always cheaper to have a mortgage broker who's working for you. Work with top San Diego mortgage broker and business development expert John Giannattasio.
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If you're looking to buy a home, perhaps you've asked one of these questions: Where is the best place to get a loan? What is the right loan for me? How can I get the best rate possible? Buying a home for the first time can be stressful and confusing. But it doesn't have to be. If you're looking for first-time home buyer loans in San Diego County, you have several options.
VA loans help eligible service members, veterans, and military spouses purchase a home with no down payment and at better rates. If you call San Diego home (or would like to!) and you are currently serving or have previously served, learn about your loan options and what you need when applying for a mortgage.
For those seeking more flexibility in how they work, self-employment is a great option. But while there are many perks to being your own boss, self-employed types such as small business owners and freelancers face disadvantages like unstable incomes and higher taxes. You might wonder if you can still buy a home, and the answer is a resounding "yes"!
A government-insured loan with a low down payment and more lenient credit score requirements. A no down payment loan for qualified service members, veterans, reservists, or surviving spouses. A loan for homeowners 62 and older that allows them to convert their home equity into cash. A loan for borrowers with non-traditional financial situations, such as those who are self-employed.
If you're looking for a mortgage with low fees, a conventional home loan may be a good option for you. If you are eligible, there are a number of benefits. With a conventional loan, you can purchase anything that counts as standard housing in your area. This includes single family homes, condos, investment properties, apartments, townhouses, lofts, and vacation homes.
Reviews (10)
Jeremy Miller
Dec 20, 2021
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John and his team did a fantastic job helping us navigate financing for our first home. He was very responsive and answered our many questions regarding the first-time home-buying experience very honestly. He had a convenient site where we could get an accurate estimation of monthly costs at various interest rates and down-payment levels, including HOA and Mello-Roos expenses, and would update it quickly for any home we were interested in buying. I would definitely recommend John for anyone's first-time home-buying experience.
Nick Keuhlen
Dec 13, 2021
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I had a great experience working with John. He was up front and honest about the loan experience and what we could expect from the first phone call. He was able to set himself apart not by potentially empty promises in hopes of getting my business, but by ensuring me he\'d take care of me as a client.
Despite multiple other quotes I felt the most comfortable going with John and the National team. What stood out the most were his actions when unforeseen problems arose. Nothing ever goes perfect and apparently Texas has some oddities when it comes to refinances, but he was open about what was going
Despite multiple other quotes I felt the most comfortable going with John and the National team. What stood out the most were his actions when unforeseen problems arose. Nothing ever goes perfect and apparently Texas has some oddities when it comes to refinances, but he was open about what was going
Thanya Acosta-Haro
Dec 07, 2021
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After researching my options for a refi, I decided to go with a broker vs a bank or credit union and John was one of the first brokers I spoke with. He was never pushy, he was willing to run number for me, and encouraged me to speak to other brokers and banks before making any decisions. After doing so, I decided to move forward with John and I couldn’t have made a better choice! A refi with the addition of other life events, can make for a very stressful time, but John was always available to answer calls, emails, and texts, which made the process better. Even with some unexpected challenges
Rory Berke
Nov 20, 2021
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Positive: Professionalism, Responsiveness
I strongly recommend John and his team. They made my refi process incredibly simple and were professional at every step. John was knowledgeable, responsive, friendly, and followed through on everything he offered. And, his team was there from start to finish. Can't say enough good about National Home Loans.
I strongly recommend John and his team. They made my refi process incredibly simple and were professional at every step. John was knowledgeable, responsive, friendly, and followed through on everything he offered. And, his team was there from start to finish. Can't say enough good about National Home Loans.
Nathan Meier
Oct 21, 2021
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Marc O'Bryan
Sep 01, 2021
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John and his team were incredibly helpful throughout the entire home buying process. My wife and I constantly had questions, and John was always available to answer them with thorough explanations. What we really liked about John was that he made sure we understood everything about the loan, so that we felt comfortable. He was very straightforward about rates, amounts, etc., so we knew there wouldn't be any surprises later on when it came time to actually buy a home. To sum it up, John's honesty, patience, thoughtfulness, and attention to detail are what stood out to us. For anyone looking to purchase
Zach Hoffman
Jul 29, 2021
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John has great experience in the San Diego County Market. We shopped a few different brokers and National Home Loans had the best rates. John was able to inspire confidence to sellers' realtors on our ability to close, and delivered on his promise to close in 3 weeks or less. Most importantly, he was always available to answer any questions we had throughout the complicated home buying process. Will absolutely be recommending John and National Home Loans to anyone in the San Diego area looking to buy or refinance.
Eric Culver
Jul 27, 2021
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Positive: Professionalism, Quality, Responsiveness, Value
John and his team were very professional and walked my wife and I threw the whole process. John was very straightforward and honest through each step and addressed all of our questions immediately. A big thanks to Melissa as well for being such a great part of John’s team! This was the easiest refinance we’ve ever done! Thank You!
John and his team were very professional and walked my wife and I threw the whole process. John was very straightforward and honest through each step and addressed all of our questions immediately. A big thanks to Melissa as well for being such a great part of John’s team! This was the easiest refinance we’ve ever done! Thank You!
Natasha Kay
Jun 25, 2021
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John is amazing!! He promised he could close on-time (which in this market is critical) and he absolutely did! What I value about John is his honesty and availability. He was always available to answer questions, guide us through the process and be there when we needed him. He is extremely knowledgeable and patient. We now own the home of our dreams - thank you, John!
Moses Sanchez
Jun 19, 2021
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110% satisfaction!!!
My wife and I are first time homebuyers and as a retired veteran we could not be happier with the experience. From the very start John and his team worked expeditiously and professionally. We were able to get a great interest rate as proposed and remained consistent till the end of closing.
We cannot stress enough how John made the process a wonderful experience better than we had received compared to others when shopping around.
Highly recommended to use National Home Loan when buying a home. The level of service and satisfaction was beyond our expectations and will be
My wife and I are first time homebuyers and as a retired veteran we could not be happier with the experience. From the very start John and his team worked expeditiously and professionally. We were able to get a great interest rate as proposed and remained consistent till the end of closing.
We cannot stress enough how John made the process a wonderful experience better than we had received compared to others when shopping around.
Highly recommended to use National Home Loan when buying a home. The level of service and satisfaction was beyond our expectations and will be
