Your Questions, Answered
Navigating mortgages and real estate in San Diego can be complex. We've compiled answers to the most common questions to help you feel confident and informed as you plan your next move.
Mortgage Questions Answered
Clear, straightforward answers to help you navigate your home financing journey in San Diego.
How do I qualify for a mortgage?
Qualification is based on your credit score, income, employment history, debt-to-income ratio, and the property itself. As your local San Diego broker with over 20 years of experience, we guide you through each step to strengthen your application and find the right loan program for your situation.
What are current interest rates?
Rates fluctuate daily based on market conditions. We provide personalized, up-to-date rate quotes based on your specific financial profile and loan type. For the most accurate information tailored to your San Diego home purchase or refinance, give us a call for a confidential consultation.
What documents will I need?
Typically, you'll need recent pay stubs, W-2s or tax returns, bank statements, and identification. We provide a clear, personalized checklist so you can gather everything efficiently. Our founder-led service means we're here to answer questions every step of the way.
What's the difference between pre-qualification and pre-approval?
A pre-qualification is a preliminary estimate based on information you provide. A pre-approval involves a credit check and verification of your financial documents, giving you a much stronger position when making an offer on a San Diego home. We recommend getting fully pre-approved.
Why use a mortgage broker instead of a bank?
As an independent broker, we work with multiple lenders to find you the best possible terms and rates—not just one bank's products. Combined with our BBB A+ rating and two decades of San Diego market expertise, we offer more options, personalized guidance, and often, a smoother process.
Any tips for first-time homebuyers?
Start by reviewing your credit, saving for a down payment and closing costs, and getting pre-approved. Understanding the full costs of homeownership is key. We specialize in helping first-time buyers navigate the San Diego market with clarity and confidence.
Your Question Not Listed?
Get a direct, personalized answer from our team. Thomas McTygue and our experts are here to provide clear guidance for your specific situation.
Business Hours: Mon-Wed, 9:00 AM - 5:00 PM
1761 Hotel Cir S Ste 230, San Diego, CA 92108
Real Estate Questions
Expert answers to your most common questions about buying, selling, and investing in San Diego real estate.
What is the current San Diego real estate market like?
The San Diego market remains dynamic, characterized by steady demand driven by our desirable climate and strong local economy. As your local experts with over 20 years of experience, we provide personalized analysis to help you navigate pricing, inventory, and timing specific to your neighborhood and property type.
What's the process for buying a home in San Diego?
We guide you through every step: from securing your mortgage pre-approval and defining your search criteria, to touring properties, making a competitive offer, navigating inspections and contingencies, and finally closing. Our founder-led service ensures you have a trusted advisor throughout this significant transaction.
How do I determine the right price to sell my property?
We conduct a comprehensive Comparative Market Analysis (CMA) using current data from San Diego's Hotel Circle area and beyond. We evaluate recent sales, active listings, and local market trends to recommend a pricing strategy that maximizes your return while attracting serious buyers.
Is now a good time to invest in San Diego real estate?
San Diego has historically been a resilient market for long-term investment. The key is identifying the right opportunity based on your goals—whether it's rental income, property appreciation, or commercial potential. We provide data-driven insights on neighborhoods and property types to help build your investment strategy.
Why should I use a local broker instead of a national chain?
Local expertise matters. We have deep, neighborhood-specific knowledge of San Diego that national firms can't match. Combined with our BBB A+ rating and over two decades of experience, we offer personalized, accountable service. You work directly with our founder, Thomas McTygue, ensuring your transaction receives the attention it deserves.
What areas of San Diego do you serve?
We serve all of San Diego County and surrounding California areas. Our office is centrally located at 1761 Hotel Cir S Ste 230, San Diego, CA 92108, providing convenient access for clients throughout the region. We have extensive experience across diverse communities, from urban condos to suburban family homes.
Your situation is unique. Get personalized advice from our local experts.
Get Real Estate Advice: (619) 231-5818Call us during business hours: Monday - Wednesday, 9:00 AM - 5:00 PM