Lending San Diego was created to educate both current and future San Diego homeowners on mortgage news that matters to them most. The site will discuss the ever-changing mortgage world and focus specifically on San Diego.
Latest San Diego Mortgage News

Is My Loan Owned by Fannie Mae or Freddie Mac?


Many San Diego homeowners are unable to refinance based on a lack of equity in their home. The good news is that the Home Affordable Refinance Program (HARP) could make refinancing a possibility. The HARP program is ONLY available for loans owned by Fannie Mae or Freddie Mac. Since you do not make your payment to Fannie Mae or Freddie Mac you […]

Should I Lock in My Rate? Last Week’s Financial Meltdown


There was some positive news in the mortgage world last week while over $843 billion dollars of investments were wiped away from the nearly 700 point loss in the Dow Jones Industrial Average. The steep decline was due to a number of reasons, including disappointing economic reports, a slow- down in manufacturing, and further concerns […]

A Trick to Stop Credit Stalking

loan application

Most consumers are not aware that the big credit agencies are in the business of selling your personal credit profile to third party companies. In fact, the mortgage industry is notorious of buying “Credit Data” from companies such as Experian to market to consumers. The term that is most commonly used is “Trigger” data. When […]

The Mortgage Interrogation Process


If you recently closed a loan with me you probably can relate with this post. If we just met and are considering doing business together, please accept this article as my informal advance apology. After introducing myself and handing over a business card, I immediately explain why I am required to interrogate you. Why would […]

Allied Gardens – A “Leave it to Beaver” Neighborhood

Chuck Ousler: Allied Gardens Area Expert

… by Chuck Ousler   Build in the Mid-1950s, Allied Gardens is a large neighborhood given acclaim for quality of construction, architectural awards, and streets designed to be “family friendly.” The neighborhood contains many cul-de-sacs, dead-end streets, and loops designed to keep through traffic to a minimum. When visiting Allied Gardens, don’t be surprised to […]

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