I’m sure the world of mortgages is wildly confusing to those outside it – I don’t just refer to mortgage terminology / vocabulary (i.e. APR, Freddie Mac, bond markets, etc.) but rather to what various mortgage companies really do. Yes, we all seem to originate loans, but Prospect Home Finance is different.
Prospect works on the “wholesale” side of mortgages. Whereas a BofA or Wells Fargo works as lender and broker, Prospect is exclusively a broker. We work with many lenders to ensure best-pricing – since the lender is external, we don’t play games with our costs year-round like the bigger banks. Our rates are transparent, consistent, and much lower.
Banks might offer you discounted closing costs if you have a giant savings fund with them, but for most people, Prospect is the gold standard for low rates / great customer service. A scan of major rating sites will show 4.5 – 5 Star ratings across Lendingtree, Yelp, Google, and Facebook. Client reviews describe our licensed loan officers as personable, knowledgeable, and available to address all questions with care. We hold an A+ score with the Better Business Bureau, and have been climbing the ranks of mortgage originators for over 13 years!
You can check out our customer reviews online to see what I’m talking about. They’re full of folks coming from big banks, finding better rates with us, and praising the ability to communicate easily with our loan officers. Communication is most of the struggle when it comes to refinancing at a low rate. You’ll need to work with a broker who can act quickly to lock rates, start applications, etc. This is because rates move so very quickly. A historically low rate could be gone within minutes of you viewing it. With Prospect, you can rest easy knowing that our primary goal is to save you money.
For any questions, or to start the loan process, we’re happy to discuss with you today – just call at 858-605-0952. Thank you very much!
Prospect Financial Group
948 Garnet Avenue
San Diego, CA 92109
NMLS: 349089 | BRE: 01837707
Jason Vondrak has been in the mortgage industry since 2004 and co-founded the mortgage brokerage Prospect Financial Group in 2006 in San Diego, California. Today he serves as President and CEO of Prospect Financial Group and the president and founder of Prospect Property Group, a real estate development company, established in 2012.