One application. Over 100 lenders competing for your loan.
Strategic Equities is an independent mortgage broker in North County San Diego. We compare rates and programs across banks and wholesale lenders to find the loan that fits your purchase, refinance or investment property.
- Lending since
- 2008
- Lenders and banks
- 100+
- NMLS
- #237415
Estimate your payment
Purchase- Loan amount
- $680,000
- Principal & interest
- $4,298
- Property tax (est.)
- $815
- Homeowners insurance (est.)
- $248
payment
Estimate for illustration only; not a rate quote or loan offer. Excludes mortgage insurance and HOA dues.
Where are you in the process?
Buying a home
Get pre-approved before you write an offer, so sellers and agents take you seriously. First-time buyers welcome.
Purchase loansRefinancing
Lower your payment, shorten your term, leave an adjustable rate, or take cash out for a remodel or debt payoff.
Refinance optionsInvesting
DSCR rental loans, bank statement loans for the self-employed, and hard money and private money for flips, bridges and construction.
Investor programsLoan programs
A bank offers its own products. We bring you the whole market, including programs most banks don’t carry.
- Conventional loansFixed and adjustable financing for primary homes, second homes and rentals.
- Jumbo loansFinancing above conforming loan limits for higher-priced coastal homes.
- FHA loansGovernment-insured loans with lower down payment and flexible credit standards.
- VA loansFor veterans, active service members and eligible surviving spouses.
- Home equity linesBorrow against your equity without replacing your first mortgage.
- Bank statement and non-QMFor self-employed borrowers whose tax returns understate their income.
- Investment property and DSCRRental property loans qualified on the property’s rental income.
- Hard money and private moneyFast, short-term, asset-based loans for fix-and-flip, bridge and construction projects.
- Multifamily and commercial5+ unit apartments, mixed-use, retail and owner-occupied business property.
- Mexico property financingU.S. dollar mortgages for U.S. and Canadian buyers of homes in Baja, Los Cabos, Puerto Vallarta and the Riviera Maya.
Buying a home in Mexico?
We finance homes in Baja, Los Cabos, Puerto Vallarta and the Riviera Maya for U.S. and Canadian buyers, with U.S. dollar loans, 30-year fixed rates and a bank statement option for the self-employed. And no, it isn’t a 99-year lease.
Why work with a broker
Same loan programs, same federal rules, same closing table. The difference is how many lenders are looking at your file.
| A single bank | Strategic Equities | |
|---|---|---|
| Lenders reviewing your loan | One | 100+ banks and wholesale lenders |
| If you’re declined | Start over elsewhere | We move your file to a lender that fits |
| Self-employed and investor programs | Often limited | Bank statement, DSCR, asset-based |
| Who you work with | Whoever answers the call center | One advisor, start to close |
From application to closing in four steps
- 1
Apply online
A secure application takes about 15 minutes. You can save and finish later.
- 2
Review your options
We price your loan across our lenders and walk you through the trade-offs in plain terms.
- 3
Lock and process
Lock your rate when it makes sense, then we gather documents and order the appraisal.
- 4
Close
Sign with a notary or at escrow. We stay on the file until the keys or funds are in hand.
What our clients say
Worried he wouldn’t qualify, Larry applied online and was approved the next day —
“locked into a great rate.”
A client since 2013, Walt closed two purchases and two refinances that others had called impossible.
“What counts is results and they deliver!”
Sunny got patient guidance well before she was ready to buy, and a seamless closing when she was. In her words,
“the right mortgage company to go to.”
$4 billion
in loan transactions closed since 2006
“We treat every client as a person, not a credit score. When a loan doesn’t fit the standard box, we use judgment and the right lender instead of a formula.”
Meet our teamCommon questions
What is the difference between a mortgage broker and a bank?
A bank can only offer its own loans. As a broker we work with more than 100 lenders and banks, so we can compare rates, fees and guidelines across all of them and place your loan where it fits best.
How much do I need for a down payment?
It depends on the program. VA loans can require no down payment, FHA loans allow a low down payment, and conventional loans can start at a few percent down for qualified buyers. Investment and jumbo loans typically require more.
Will applying hurt my credit?
A mortgage credit inquiry may have a small, temporary effect on your score. Credit bureaus generally count multiple mortgage inquiries within a short shopping window as a single inquiry.
How long does it take to close?
Most purchase and refinance loans close in 21 to 30 days from a complete application. Timing depends on the appraisal, the program, and how quickly documents come in.
I’m self-employed. Can I still qualify?
Yes. Besides traditional tax-return loans, we offer bank-statement and asset-based programs designed for business owners and 1099 earners.
Ready when you are.
The application takes about 15 minutes. A loan advisor will review it and contact you within one business day.