Mortgage Options Funding

At Mortgage Options Funding, we believe everyone deserves the opportunity to achieve the dream of homeownership. Based in Valley Center, California, we are a full-service mortgage company dedicated to providing a seamless and transparent lending experience for borrowers throughout the Golden State. We understand that navigating the world of mortgages can be complex and overwhelming, which is why we strive to make the process as simple and stress-free as possible. Our team of experienced mortgage professionals is committed to guiding you every step of the way, from pre-approval to closing and beyond.

Comprehensive Loan Programs

We offer a wide array of loan programs to meet the unique needs of every borrower. For those looking to purchase a home, we provide:

• FHA Loans: These government-backed loans are designed for borrowers with lower credit scores and down payment requirements.
• FHA 203k Loans: Perfect for fixer-upper enthusiasts, these loans allow you to finance both the purchase and renovation of a property.
• VA Loans: Available to eligible veterans, active-duty military personnel, and surviving spouses, VA loans offer competitive rates and enticing benefits, including no down payment requirements.
• USDA Loans: Designed to support homeownership in rural areas, USDA loans provide low-interest, no-down-payment financing options.
• HomePath Loans: Offered by Fannie Mae, these loans are available for properties listed through the HomePath program, providing affordable options for first-time homebuyers and those seeking discounted properties.
• Jumbo Loans: For borrowers looking to finance high-value properties that exceed conventional loan limits, jumbo loans offer increased borrowing power.
• Conventional Loans: A popular choice for borrowers with good credit and a substantial down payment, conventional loans offer flexible terms and competitive rates.

We also understand the desire to refinance existing mortgages to secure lower rates, lower monthly payments, or access home equity. Our comprehensive refinancing options include:

• FHA Streamline Refinances: A streamlined process for FHA loan holders seeking lower interest rates.
• FHA Cash Out Refinances: Allow you to tap into your home equity for various financial needs, including debt consolidation, home improvements, or other expenses.
• FHA 203k Refinances: Combine refinancing with the ability to finance renovation costs.
• VA Streamline Refinances: Provide eligible VA borrowers with a simpler refinance option.
• VA Cash Out Refinances: Allow VA borrowers to access their home equity.
• USDA Streamline Refinances: Offer a streamlined refinance option for USDA borrowers.
• Conventional Refinances: Cater to borrowers with conforming loans seeking to improve their mortgage terms.

HARP and Jumbo Refinance Programs

We also offer HARP (Home Affordable Refinance Program) and Jumbo refinance programs to meet the specific needs of eligible borrowers.

Customer-Focused Approach

Our commitment to exceptional customer service is unwavering. We understand that buying or refinancing a home is a significant financial decision, and we are dedicated to providing personalized guidance and support throughout the entire process. We believe in open communication, transparency, and building long-lasting relationships with our clients. Our team is readily available to answer your questions, address your concerns, and ensure that you feel confident and informed every step of the way.

Testimonials

Our satisfied customers' words speak volumes about our dedication to excellence.

• Anonymous: "Amazing! Ramzy was incredible, explaining every step of the process in detail. He was always available, which was crucial as a first-time home buyer. He worked fast and efficiently; highly recommend him!"

• Elvira: "Thank you to Ramzy and the entire team for such an amazing experience refinancing our two homes. As someone in finance, I value customer service, timing, and going the extra mile, and Ramzy delivered on all fronts. His responsiveness and professionalism are truly unique."

• Mark and Mary Chua: "Thank you from the bottom of our hearts for the help and assistance throughout the process. May God bless you always so you can continue helping families like us achieve their dream home."

• Martin Parsons: "It was quick and easy. Everything I was told happened; no surprises!"

• Bill Berkey: "Great people to do business with."

• ND: "DELIVERED AS PROMISED It was a pleasure to work with Ramzy. He delivered on his promises, and we closed the refi without any issues. Highly recommend him."

Your Mortgage Journey Starts Here

Whether you're ready to purchase your dream home or explore refinancing options, Mortgage Options Funding is here to guide you every step of the way. Contact us today to discuss your financial goals and discover how we can help you.