7,000+ satisfied home loan clients in San Diego
enjoying the lowest mortgage rates available
Legendary Personalized Service, The Lowest Mortgage Rates in San Diego and the Right Terms For You
So simple my Mom could do it. Sorry, Mom.
Founded on 3 Basic Concepts
To find the lowest home loan rate for you
Is a long, slow, complicated mortgage process inevitable? We think not! Every process and system we use is designed and refined from the perspective of “how do we make the process easier, better and faster?”
When everyone else is the nail, we will be the hammer. While everyone strives to look and sound “professional,” we roll our sleeves back and get to work, so you aren’t stuck wondering, “I wonder what’s happening with my loan…”. We strive to be the best version of ourselves, have fun and become friends with the people who enter our lives. 8 AM-8 PM un-heard of from a business, nothing special from an old buddy.
While we can never guarantee it will always be simple (it is mortgage lending, after all), we will avoid unnecessary information requests. We will always give a clear-cut response to any question or problem that may pop up. In Other Words: Full Transparency.
How it works
Conventional mortgages are one the most common type of mortgages. Because of this, conventional loans have more stringent controls on your credit score and your debt-to-income (DTI) ratio.
One of the essential elements of buying a home is recognizing the type of mortgage that fully satisfies your needs. You may want a jumbo loan to buy the house of your dreams.
A fixed-rate mortgage holds the equivalent interest rate and principal/interest payment during the loan duration. The price you pay per month may vary due to changes in property tax and insurance rates, but primarily fixed-rate mortgages award you a very anticipated monthly amount.
The reverse of a fixed-rate mortgage is an adjustable-rate mortgage (ARM). ARMs are 30-year mortgages with interest rates that adjust depending on how market prices move.
FHA loans are insured by the Federal Housing Administration. An FHA loan can allow you to buy a home with a credit score as low as 580 and a down payment of 3.5%.
USDA loans have lower mortgage insurance requirements than FHA loans and can allow you to buy a home with no money down.
America’s Best Lenders really helped us achieve our perfect home loan rate. After looking for hours online between Google and social media channels, they were able to sift through the mess with professional brokers attending our specific needs and in a very attentive manner.
America’s Best Lenders was perfect for our credit score, we’re amazed they were able to increase our credit score by suggesting some changes and get us to the yes in mortgage rates. Wow. Simply wow.
America’s Best Lenders were transparent and got us an amazingly low rate with the exact features we needed given our credit and current financial situation.
We thought a lot before choosing America’s Bes Lenders because we wanted to be sure of our home payments. This was clearly the best choice, it combined great customer service and ultimately the perfect mortgage for us.
When you are looking at a home you think you know what to expect from a mortgage company. Little did we know that America’s Best Lenders would be friends and be on our side to make sure the loan fit our needs. Thank you!
What can I say other than we found the home of our dreams and America’s Best Lenders narrowed down two amazing options and made sure it worked with our finances. They took their time, there was no pressure and we felt attended to. Wow. Wow. Wow. Thanks.
let us shop for you from 48 lenders
for the lowest home loan rate in San Diego, California.
We do the hard work and get you exactly what you need: the lowest mortgage rate possible with personalized loan conditions.