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Trusted Mortgage Brokers in San Diego | Integrity Mortgage
At Integrity Mortgage, we combine decades of expertise with creative financing solutions to serve real estate investors, developers, and first-time buyers. Our team specializes in structuring both simple and complex transactions, offering personalized guidance from initial consultation through loan approval. With access to A-paper investment funds and private money options, we provide tailored lending programs for well-qualified and not-yet-qualified clients alike. Our founder, Bill Burch, brings over 30 years of industry experience, ensuring clients receive strategic advice and competitive terms.We prioritize transparency, speed, and flexibility, helping clients navigate challenges in bridge loans, fix-and-flip projects, and commercial financing. Our commitment to integrity and client education has earned us long-term relationships and industry recognition through NMLS and CalBRE licenses. By maintaining low-key professionalism and proactive communication, we transform complex financing scenarios into successful outcomes for our clients.
Services
Bridge Loans
Fix and Flip Financing
Commercial Mortgages
Cash Out Refinancing
Investment Property Loans
Private Lending
1031 Exchange Guidance
Speculative Construction Loans
Emergency Financing Solutions
Rate and Term Refinancing
Highlights and features
- We offer 30+ years of real estate finance expertise from NMLS-licensed professionals
- Our dual access to A-paper funds and private money creates unique lending flexibility
- We specialize in complex transactions requiring creative financing solutions
- Our team maintains proactive communication throughout the entire loan process
- We provide tailored strategies for both qualified and non-traditional borrowers
Associations and certifications
- NMLS
- CalBRE
What people say
Incomparable integrity
Great communicator
Smooth process
Highly recommend
Fantastic experience
Services
Bridge Loans
Our bridge loans provide temporary financing for real estate investors needing quick capital between property transactions. These 2-week to 3-year loans help investors secure new properties before selling existing ones, maintaining cash flow during transitions. Our streamlined approval process ensures rapid funding for time-sensitive opportunities.
Fix and Flip Financing
Specialized loans for real estate investors purchasing properties to renovate and resell. We provide funding for both acquisition and renovation costs, with flexible terms accommodating project timelines. Our program supports investors in competitive markets requiring rapid funding for property improvements and quick resale.
Cash Out Refinancing
This mortgage refinancing option allows property owners to convert home equity into working capital. We offer competitive rates for investors seeking liquidity while maintaining property ownership. Funds can be used for additional investments, business needs, or portfolio expansion strategies while preserving existing asset positions.
Private Lending
Alternative financing solutions for investors who don't qualify for traditional bank loans. Our private money program serves unique scenarios requiring expedited funding, offering flexible terms for non-traditional properties or time-sensitive transactions. This option provides crucial capital when conventional financing isn't available.
Commercial Mortgages
Financing solutions for commercial property acquisitions and refinancing. We specialize in office buildings, industrial spaces, gas stations, dispensaries, and multi-family residential properties. Our program accommodates various business structures and investment strategies, providing tailored terms for commercial real estate ventures.
People
Bill Burch
Mortgage Broker
With over 30 years in real estate finance, Bill Burch combines deep industry knowledge with creative problem-solving. His client-focused approach emphasizes clear communication, strategic planning, and ethical practices. Bill's expertise spans complex transactions, private lending, and investment property financing.
Questions
What is private lending?
Private lending, or hard money, serves investors who can't qualify for traditional bank financing. We offer this option for good investment opportunities requiring faster funding than banks can provide.
How quickly can Integrity Mortgage close a loan?
With timely documentation submission, we can close loans in 1-2 weeks using our streamlined process and access to both traditional and alternative funding sources.
Why are private money rates higher than bank rates?
Private lenders assume greater risk by funding non-traditional deals, requiring higher returns compared to banks that use low-cost deposits for lower-risk loans.
Do you work with first-time investors?
Yes, we specialize in guiding first-time investors through complex transactions, providing education and tailored financing solutions to help them enter the market successfully.
What property types do you finance?
We finance residential 1-4 units, multi-family properties, commercial buildings, industrial spaces, gas stations, dispensaries, vacant land, and construction projects.
