Mortgage Expert in San Diego, CA

Phil Joseph has over 30 years of experience in mortgage lending, has helped over 1,000 families and clients with their loans, and funded over $1 Billion in home loans. With Conventional, VA, FHA, and Jumbo loans available, Phil will work hard to find the best solution for you. If you are self-employed, there are non-traditional loans available using bank statements and/or profit loss statements; no tax returns are needed. If you need to go Non-Contingent on the sale of your home, a "Bridge Loan" can help with the purchase of your new home.

I started working in Banking and Finance in 1991 for a large bank. I transitioned into Mortgage Loans in late 1993 and have been a mortgage lender ever since. I've helped over 1,000 families with their home purchases and personally funded over $1B in mortgage loans. There are hundreds of different types of mortgage loans, and I pride myself on knowing the guidelines for these loans. That allows me to help my clients with the best possible mortgage solutions.

I'm a Southern California native and originally from Santa Barbara. I attended San Diego State University and graduated with a bachelor's degree in finance. I'm currently a Branch Manager and Senior Loan Officer for Movement Mortgage – Rancho Bernardo Branch. Movement Mortgage is a direct lender and one of the largest private mortgage companies in the US. As a direct lender, I'm able to close loans fast and offal all mortgage products, including conventional, VA, FHA, and Jumbo's, with the highest level of service and integrity.

"I will personally work with each client before, during, and after the transaction. You will always be able to speak directly with me 7 days a week."

Home shopping? If so, we have a "Pre-Approval Package" different from most other lenders. We run full Fannie Mae Desktop approval that is reviewed by a human underwriter for Full Loan Approval. All employment, credit, income, and assets are fully verified. This will allow for a very fast closing and increase your odds of getting your offer accepted over other offers. We produce a full pre-approval letter, DU approval, and Proof of funds and work hand in hand with your Realtor AND the listing agent during the offer and negotiation process. This greatly increases the chances of an accepted offer!

Military Veterans – I'm a Direct VA lender, and we have specials for our vets! We have VA NO MONEY DOWN JUMBO loans available, so don't let that down payment stop you from purchasing your new home!

Need to increase your FICO score? We can help with that! We have credit simulators that we can run to maximize your FICO score and decrease your interest rates with a higher score! This can even be completed during your purchase transaction!

Been denied by another lender or not been approved for your desired purchase price? We may be able to help you! We have closed dozens of transactions that were denied by other lenders. Using our experience and creative analysis, we can find ways of turning that denial into a Loan Approval. Our extensive knowledge of the lending guidelines helps us with this process.

Recently Retired? We have special programs available for retirees that most other lenders do not have access to or knowledge of. These programs and lending guidelines can be very complex, but we can help guide you through this process. Banks and even financial planners may tell you that you will not qualify for a mortgage; however, they are unaware of our special programs.

Self-employed – We have programs that do NOT require your tax returns! Bank statements and/or P&Ls only!