San Diego's Premier Mortgage Guide
Ariel Green combines years of experience with Mission Federal Credit Union's unmatched offerings to navigate you through every step of your home financing process.
Hello
I’m Ariel Green, a seasoned Mortgage Loan Officer based in San Diego, California. With nearly two decades in the industry since 2002, I specialize in residential mortgages.
Proudly affiliated with Mission Federal Credit Union, I provide insightful home buying seminars and work alongside San Diego’s elite real estate agents. When I’m not helping clients, I enjoy quality time with my family and exploring my interests in photography and design.
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Navigating San Diego's Home Financing Landscape
Embarking on a home financing journey in San Diego? Whether it’s your first home or a refinancing venture, benefit from competitive rates, unparalleled local expertise, and a simplified loan process. As a Mortgage Loan Officer, my goal is to guide and support you every step of the way, making your dream home a reality.
30-Year Fixed Mortgage
A reliable mortgage option offering consistent monthly payments for three decades, ideal for long-term homeowners.
30-Year Fixed Jumbo Mortgage
Designed for larger loan amounts, this mortgage provides stability with a fixed rate over a 30-year span.
5/5 Adjustable Rate Mortgage (ARM)
A flexible mortgage with a rate that adjusts once every five years, balancing both stability and adaptability for homeowners.
5/1 Adjustable Rate Mortgage (ARM)
Perfect for those considering a shorter residence, this mortgage offers a fixed rate for the initial five years, followed by yearly adjustments.
3/1 Adjustable Rate Mortgage (ARM)
A dynamic mortgage choice with three years of fixed rates, then annual rate adjustments, catering to those seeking short-term commitments.
Client Testimonials
FAQs
How does the mortgage process with Ariel differ from other loan officers?
Ariel’s extensive experience sets her apart. With years in the industry, she’s adept at navigating complex scenarios that might stump less seasoned officers. This depth of knowledge ensures she can identify the best rates and products tailored to each client’s situation, even in challenging circumstances. Her seasoned expertise translates to a smoother, more tailored mortgage journey for you.
How long does the typical mortgage approval process take?
The mortgage approval process can vary, but on average, it takes 30 to 45 days from application to closing. Factors like your creditworthiness, the type of loan, and the lender’s workload can influence the timeline.
How can I improve my chances of getting a favorable mortgage rate?
Boosting your credit score, maintaining a low debt-to-income ratio, saving for a larger down payment, and shopping around with multiple lenders can all help you secure a more favorable rate.
How does working with a credit union like Mission Federal differ from other banks?
Credit unions, like Mission Federal, are member-focused and often offer competitive rates and terms. Their not-for-profit nature means they prioritize member benefits over profits.
What's the difference between pre-qualification and pre-approval?
Pre-qualification is an initial assessment of how much you might be eligible to borrow based on self-reported financial information. Pre-approval is a more in-depth evaluation, where the lender verifies your financials and offers a tentative commitment to lend a specific amount.
Are there any hidden fees I should be aware of when getting a mortgage?
While reputable lenders like Ariel and Mission Federal Credit Union are transparent about fees, it’s essential to review the Loan Estimate document provided after application. This will detail all costs associated with the loan, ensuring no surprises at closing.