Getting pre-approved is one of the smartest things you can do before starting your home search. It gives you a clear picture of your budget, estimated monthly payment, and the cash you'll need for your down payment and closing costs, so you can shop with confidence and avoid surprises along the way.
Below are some of my favorite local lending partners. These are professionals I know, trust, and confidently recommend to my clients - known for their expertise, responsiveness, and commitment to helping buyers navigate financing with confidence.
Take a look, compare your options, and find the lender that's the best fit for your goals. And if you're not sure where to start, I'm always happy to help connect you with the right person.
My Preferred Local Lenders
VA Loans
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Conventional
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FHA
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HELOC
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Refi
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VA Loans ✳︎ Conventional ✳︎ FHA ✳︎ HELOC ✳︎ Refi ✳︎
Crystal Kelly
Cross Country Mortgage
(619) 212-2754
Amanda Lozano
Next Gen Home Loans
(619) 418-6052
Tracey Wheeler
Gullick Group |Cross Country Mortgage
(619) 705-9922
tracey.wheeler@ccm.com
Mortgage Rates
Mortgage rates are an important part of the home-buying equation, but the "average" rate you hear about in the news isn't necessarily the rate you'll have to settle for. Your interest rate is influenced by several factors, including your credit score, income, assets, loan type, and overall financial profile.
That's why speaking with a knowledgeable lender is one of the first and most valuable steps you can take. A good lender can help you understand your options and identify the financing strategy that best aligns with your goals and budget.
Many buyers are surprised to learn how many financing programs and creative solutions are available. From rate buy-downs and down payment assistance programs to specialized loan products, there may be opportunities to reduce your upfront costs or achieve a monthly payment that feels more comfortable than you expected.
It's also common for buyers to wait on the sidelines in hopes that interest rates will fall. While rates may decrease in the future, they can just as easily move higher. Trying to perfectly time the market is difficult, and waiting may mean missing out on the right home or paying more later.
If you're considering purchasing a home, the best place to start is with a conversation. Connecting with a lender can help you understand what's possible, what your true buying power is, and what options may be available to you today.
And remember, if interest rates decrease after you purchase, refinancing may allow you to secure a lower rate and monthly payment in the future while continuing to build equity in your home.