Adam has been dedicated to service his entire life. He joined the US Military at the age of 18. Between Active Duty and the National Guard, Adam spent 9 years serving our country. During his time in Service, he deployed to Iraq twice in support of OIF. Overseas tours totaled almost 3 years. Once home, Adam chose a career in the Automotive business where worked his way from a Salesperson through almost every position in the store to become a Sales Manager.
As a part of the Management team, he participated in earning many top awards. He has always put others needs before his own and will continue to do that while helping San Diegans in the pursuit of the American dream of Home Ownership! Transparent Mortgage Solutions was created to assist people in the home buying or Refinance process. We focus on service and availability to our clients.
You can expect the highest level of Customer Service. The scariest part of buying a home is not knowing what's next. We will make you a smart shopper not just a shopper.
As a part of the Management team, he participated in earning many top awards. He has always put others needs before his own and will continue to do that while helping San Diegans in the pursuit of the American dream of Home Ownership! Transparent Mortgage Solutions was created to assist people in the home buying or Refinance process. We focus on service and availability to our clients.
You can expect the highest level of Customer Service. The scariest part of buying a home is not knowing what's next. We will make you a smart shopper not just a shopper.
Services
Purchase
Report
If you're like most people, purchasing a home is probably one of the biggest investments you'll ever make in your lifetime.
If you're considering buying a home, you're likely aware of the complexity of the endeavor.
Because of the numerous factors to consider when purchasing a home, it's important to prepare as best you can.
At Cabrillo Mortgage and Realty Services, we are dedicated to finding the loan that fits your individual needs.
Transparent Mortgage Solutions is your go-to for your mortgage needs in San Diego, Poway, and Rancho Bernardo, CA areas.
If you're considering buying a home, you're likely aware of the complexity of the endeavor.
Because of the numerous factors to consider when purchasing a home, it's important to prepare as best you can.
At Cabrillo Mortgage and Realty Services, we are dedicated to finding the loan that fits your individual needs.
Transparent Mortgage Solutions is your go-to for your mortgage needs in San Diego, Poway, and Rancho Bernardo, CA areas.
Paperwork Needed
Report
To apply for a loan, you will have to provide the lender with detailed documentation of your financial history.
The lender will request a credit report from a credit agency and will verify the information provided in your loan application.
Evidence of any other assets such as bonds, stocks, or money saved in retirement programs i.e.
401k or 403b program.
W-2 withholding forms, or income tax returns for the past two years to verify your income and proof of employment.
Homeowner's association information with contact information if property is a condo or part of a homeowner's association.
The lender will request a credit report from a credit agency and will verify the information provided in your loan application.
Evidence of any other assets such as bonds, stocks, or money saved in retirement programs i.e.
401k or 403b program.
W-2 withholding forms, or income tax returns for the past two years to verify your income and proof of employment.
Homeowner's association information with contact information if property is a condo or part of a homeowner's association.
FHA Loans
Report
FHA might be just what you need.
Your down payment can be as low as 3.5% of the purchase price, and most of your closing costs and fees can be included in the loan.
Available on 1-4 unit properties.
FHA has a loan that allows you to buy a home, fix it up, and include all the costs in one loan.
Or, if you own a home that you want to re-model or repair, you can refinance what you owe and add the cost of repairs - all in one loan.
Are you 62 or older?
Do you live in your home?
Do you own it outright or have a low loan balance?
Your down payment can be as low as 3.5% of the purchase price, and most of your closing costs and fees can be included in the loan.
Available on 1-4 unit properties.
FHA has a loan that allows you to buy a home, fix it up, and include all the costs in one loan.
Or, if you own a home that you want to re-model or repair, you can refinance what you owe and add the cost of repairs - all in one loan.
Are you 62 or older?
Do you live in your home?
Do you own it outright or have a low loan balance?
Va Loans
Report
The VA mortgage loans are one of the best and safest methods to use when buying a home.
Now even active duty personnel can qualify.
If you are a Disabled Veteran, you may qualify for additional benefits on a VA home mortgage loan.
The VA Home Mortgage Program does not limit the number of times a veteran may use the program.
The VA mortgage loans extend to not only the Army, Navy, Air Force and Marines but also to Reservists and National Guardsmen.
The Veterans Benefit Act, signed recently increased the VA loan limit to $649,750 for a loan with no money down.
Now even active duty personnel can qualify.
If you are a Disabled Veteran, you may qualify for additional benefits on a VA home mortgage loan.
The VA Home Mortgage Program does not limit the number of times a veteran may use the program.
The VA mortgage loans extend to not only the Army, Navy, Air Force and Marines but also to Reservists and National Guardsmen.
The Veterans Benefit Act, signed recently increased the VA loan limit to $649,750 for a loan with no money down.
Refinancing
Report
Refinancing is often used to lower your interest rate.
If rates have dropped since you last financed your home, you may want to consider refinancing.
Other common reasons to refinance include paying off a balloon payment, converting an adjustable rate loan to a fixed rate loan or to extract cash equity in your home (cash out).
A few reasons for cashing out include: home improvement, an education fund, and consolidating debt.
Another way to convert equity in your home to cash is a "home equity" loan.
If rates have dropped since you last financed your home, you may want to consider refinancing.
Other common reasons to refinance include paying off a balloon payment, converting an adjustable rate loan to a fixed rate loan or to extract cash equity in your home (cash out).
A few reasons for cashing out include: home improvement, an education fund, and consolidating debt.
Another way to convert equity in your home to cash is a "home equity" loan.
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