Severino Financial - Home Loans in Vista | Vista, CASeverino Financial

According to, “A home mortgage is a loan given by a bank, mortgage company, or another financial establishment for the purchase of a primary or investment residence.” Home loans are an agreement made by the lender to the borrower. The borrower or owner transfers the loan title to the lender, and after the payment has been met, the title is once again transferred back to the owner of the loan title.

Home mortgages have two distinct options: fixed-rate or adjustable-rate. Are you wondering where you could get the best rates a mortgage has to offer?

Best Rates for Your Loans

Home loans are big financial commitments. Home loans require planning for the mortgage broker. The mortgage broker is the one who handles the information to be given to the lender. They negotiate the terms under which a borrower can commit to paying the lender for the duration of the loan.

How do you get a better home loan offer? Consider Severino Financial as your partner in home loans. We offer various loan options and loan programs that you can consider when purchasing a home or investment property. With our extensive knowledge of how to carry out the options we offer, we guarantee quality service for our clients.

Why Choose Us?

Severino Financial is a mortgage company that provides our clients with fast service and competitive interest rates. The service makes the process simple and easy for homeowners and investors or even borrowers turned down by other lenders. Severino Financial offers the following popular loan programs.

  • Conventional Loan

Private lenders are primarily the ones who offer this type of home loan. Also known as a conforming loan, the conventional loan is not insured by any government agency. One of the most notable advantages of this is its availability for any kind of property. In addition to this, its mortgage insurance (PMI) is significantly less expensive than government loans.

  • Federal Housing Administration Loans (FHA) Loans

These loans are issued by FHA-approved lenders. FHA loans require minimum credit scores and down payments (3% of Sales Price) than the other loans. Borrowers are low to moderate earners.

  • Jumbo Loan

One of the main benefits of this loan is its competitive interest rate. Owing to this fact, you are not constrained to a conforming mortgage’s dollar limit when trying to finance your home.

  • VA Loans

The VA Loan offers homeowners a ZERO down and ZERO closing cost loan. You can attain a VA loan by being a service member, veteran, or eligible surviving spouse. VA loans are offered through a program established by the United States Department of Veterans Affairs.

  • Hard Money

This asset-based loan financing is specifically created for borrowers who want to use their equity to qualify for their loan. It is generally given by private companies or investors. Moreover, hard money loans have higher interest rates than conventional loans.

Whether you are a First Time Home Buyer, someone looking to finance an Investment Property or purchasing your Second Home, Severino Financial wants to help you select the most favorable solution for your mortgage. We guarantee quality and fast service along with competitive interest rates on our various loan programs.

What are you waiting for? Collaborate with the experts at our mortgage company. Severino Financial guarantees you the best loan options. Call us at (760) 598-9366

Home loans areas we serve:

Encinitas, California

San Marcos, California

Vista, California

Carlsbad, California

Oceanside, California