Primary location
11185 East Ocean Air DrSan Diego, CA 92130
Connect with Billy
-
billy.cafcules@usbank.com
- 858-530-9688
- 858-692-9698
-
Connect when it's convenient for you. Request a call.
Ready to apply? Start your application.
ApplyAbout me
No matter where you are in the home buying process, I can help.
Union Bank is now U.S. Bank, and I’m proud to be part of the U.S. Bank mortgage team! Although our name has changed, my focus on home lending has not. I look forward to providing you with exceptional service and value as your dedicated local partner.
As a mortgage loan officer right here in San Diego, I work with you to help you find the right mortgage for your unique situation.
You probably have lots of questions. How much house can I really afford? Which type of mortgage best fits my needs? I can help you answer questions like that and I've worked with lots of people in and around San Diego with home financing needs similar to yours.
I'm proud to work for a reputable bank like U.S. Bank, and you can trust me to do what's right for you. So give me a call at 858-530-9688.
Service areas include
- San Diego, CA
- La Jolla, CA
- Del Mar, CA
- Rancho Santa Fe, CA
- Encinitas, CA
- Carlsbad, CA
San Diego, CA 92130
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Connect with Billy
-
billy.cafcules@usbank.com
-
858-530-9688
-
858-692-9698
-
Connect when it's convenient for you. Request a call.
Ready to apply? Start your application.
ApplyExplore more
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Today's mortgage rates in California.
The mortgage rates shown below assume a few basic things, including:
- You have very good credit (a FICO® Score of 740+) and a specific down payment amount for your loan type.1
- Your loan is for a single-family home as your primary residence.
- You will purchase up to one mortgage discount point in exchange for a lower interest rate. Connect with your mortgage loan officer to learn more about mortgage points.
Rates are current as of .
See rates for other states.
Compare current mortgage rates.
Conventional fixed-rate mortgages
| Term | Rate | APR | Monthly Payment | Points |
|---|---|---|---|---|
| 30-year fixed | ||||
| 20-year fixed | ||||
| 15-year fixed | ||||
| 10-year fixed |
Conventional adjustable-rate mortgages
| Term | Rate | APR | Monthly Payment | Points |
|---|---|---|---|---|
| 10/1 | ||||
| 7/1 | ||||
| 5/1 |
Jumbo adjustable-rate mortgages
| Term | Rate | APR | Monthly Payment | Points |
|---|---|---|---|---|
| 10/1 Jumbo | ||||
| 7/1 Jumbo | ||||
| 5/1 Jumbo |
FHA mortgages
| Term | Rate | APR | Monthly Payment | Points |
|---|---|---|---|---|
| 30-year fixed - FHA |
VA mortgages
| Term | Rate | APR | Monthly Payment | Points |
|---|---|---|---|---|
| 30-year fixed - VA |
Jumbo mortgages
| Term | Rate | APR | Monthly Payment | Points |
|---|---|---|---|---|
| 30-year fixed - jumbo | ||||
| 20-year fixed - jumbo | ||||
| 15-year fixed - jumbo |
Billy Cafcules
Mortgage Loan Officer
NMLS# 1485046
858-530-9688
- billy.cafcules@usbank.com
858-530-9688
-
858-692-9698
Connect when it's convenient for you. Request a call.
Ready to apply? Start your application.
ApplyToday's refinance rates in California.
The mortgage rates shown below assume a few basic things, including:
- You have very good credit (a FICO® Score of 740+) and a specific amount of equity for your loan type.1
- Your loan is for a single-family home as your primary residence.
- You will purchase up to one mortgage discount point in exchange for a lower interest rate. Connect with your mortgage loan officer to learn more about mortgage points.
Rates are current as of .
See rates for other states.
Compare current refinance rates.
Conventional fixed-rate refinance loans
| Term | Rate | APR | Monthly Payment | Points |
|---|---|---|---|---|
| 30-year fixed | ||||
| 20-year fixed | ||||
| 15-year fixed | ||||
| 10-year fixed |
Conventional adjustable-rate refinance loans
| Term | Rate | APR | Monthly Payment | Points |
|---|---|---|---|---|
| 10/1 | ||||
| 7/1 | ||||
| 5/1 |
Jumbo adjustable-rate refinance loans
| Term | Rate | APR | Monthly Payment | Points |
|---|---|---|---|---|
| 10/1 Jumbo | ||||
| 7/1 Jumbo | ||||
| 5/1 Jumbo |
FHA refinance loans
| Term | Rate | APR | Monthly Payment | Points |
|---|---|---|---|---|
| 30-year fixed - FHA |
VA refinance loans
| Term | Rate | APR | Monthly Payment | Points |
|---|---|---|---|---|
| 30-year fixed - VA |
Jumbo refinance loans
| Term | Rate | APR | Monthly Payment | Points |
|---|---|---|---|---|
| 30-year fixed - jumbo | ||||
| 20-year fixed - jumbo | ||||
| 15-year fixed - jumbo |
Billy Cafcules
Mortgage Loan Officer
NMLS# 1485046
858-530-9688
- billy.cafcules@usbank.com
858-530-9688
-
858-692-9698
Connect when it's convenient for you. Request a call.
Ready to apply? Start your application.
ApplyMortgage calculator
Use our mortgage calculator to help you better understand your home financing options.
Billy Cafcules
Mortgage Loan Officer
NMLS# 1485046
858-530-9688
- billy.cafcules@usbank.com
858-530-9688
-
858-692-9698
Connect when it's convenient for you. Request a call.
Ready to apply? Start your application.
ApplyReviews
Billy Cafcules
Mortgage Loan Officer
NMLS# 1485046
858-530-9688
- billy.cafcules@usbank.com
858-530-9688
-
858-692-9698
Connect when it's convenient for you. Request a call.
Ready to apply? Start your application.
ApplyMortgage FAQ
Get answers to your questions regarding home financing, refinancing and more.
Jumbo loans
A jumbo loan is a non-conforming loan for single-family homes with loan amounts greater than $726,200. In certain high cost areas, such as Alaska and Hawaii, the conforming limit is up to $1,089,300. To qualify for a jumbo mortgage loan, you must meet the established guidelines for credit score, income and other personal financial information.
Jumbo loans are mortgages that exceed conforming loan limits. The limit on conforming loans is $726,200 in most areas of the country, but jumbo mortgages can exceed these limits. The limit can be as high as $1,089,300 in certain high cost areas, including Alaska and Hawaii.
A VA jumbo loan is a Veterans Affairs (VA) loan that exceeds the conforming loan limit of $726,200 and up to $1,089,300 in high-cost areas such as Alaska and Hawaii. If you’re an active-duty service member, veteran or eligible surviving spouse, and you meet the income and credit requirements, a VA jumbo loan could be an option for you.
ARM loans
An adjustable-rate mortgage (ARM) is a home loan with an interest rate that adjusts throughout the life of the loan based on the market. The initial set rate period is typically three to 10 years. After the introductory rate term expires, the estimated payment and rate may change. An increase or decrease depends on the market conditions at the time of the conversion to the variable rate and during the adjustment period thereafter. An ARM loan could be a good option if you plan to sell within a few years.
With an adjustable-rate mortgage (ARM) loan the initial interest rate is fixed for a set period and then becomes variable, adjusting every year for the remaining life of the loan. For example, a 10/1 ARM has a fixed rate for the first 10 years and an adjustable rate for the remaining duration of the loan. To learn more about how ARM loans work, connect with your mortgage loan officer.
Yes, as with most any existing mortgage loans, an existing ARM loan can be refinanced upon credit approval. There are several potential benefits to refinancing a mortgage , such as changing terms, lowering monthly payments, getting access to cash for major purchases and reducing your interest rate. Your mortgage loan officer can help you find the right choice for your needs.
Vacation home buyers
The process of buying a vacation home is similar to buying a primary residence. However, the credit, down payment and cash reserve requirements may be a bit stricter since they represent an added risk to the lender. To learn more about how to buy a vacation home, contact your mortgage loan officer.
There are several things to consider before you buy a vacation home. You should think about how you’ll use the home and how often you’ll use it. You should also keep in mind the cost and location of the home.
When considering the purchase of a vacation home, you should choose your desired location carefully. Decide which factors are most important to you, whether it be a particular climate, the distance to the activities you enjoy or proximity to nearby towns and major cities. Answering these questions will help you narrow down your options and find the best fit for your lifestyle.
Investment property buyers
If you’ve decided to buy an investment property, you should be prepared to meet a variety of qualifying factors that can include credit score, down payment and cash reserves. You can strengthen your ability to qualify by taking steps to build and maintain a solid credit history and score prior to applying for a loan. If you’re a current U.S. Bank customer, you can monitor your credit for free with our tool . Contact your mortgage loan officer to learn more and see if you qualify.
Interest rates on investment properties are typically higher than a traditional mortgage interest rate. U.S. Bank offers a variety of investment property loans to suit nearly every need. To learn more about real estate investment loans and current investment property loan mortgage rates, contact your mortgage loan officer.
When considering the purchase of investment property, it’s important to do your research before diving in. You should weigh the pros and cons of real estate investing carefully to determine if it’s right for you. Once you’ve decided which characteristics are most important to you for the property, such as type, location, size and amenities, contact your mortgage loan officer to learn more about real estate investment loans and see if you qualify.
Physician loans
A physician loan is a mortgage designed for Doctors of Medicine (MD) and Doctors of Osteopathic Medicine (DO). They offer low down payment options and relaxed debt-to-income ratios. Another benefit is that they don’t require private mortgage insurance (PMI).
Physician loans are available to recent medical school graduates, new doctors or residents. They often have more flexible lending requirements regarding down payment, debt-to-income ratio and private mortgage insurance (PMI). To be eligible for a physician loan, the property must be your primary residence. Second homes and vacation homes do not qualify. To learn more about how physician loans work, connect with your mortgage loan officer.
No. Physician loans differ from conventional loans in several ways. Physician loans don’t require private mortgage insurance (PMI), they’re flexible with debt-to-income ratios and they typically will accept a signed contract as employment verification.
Billy Cafcules
Mortgage Loan Officer
NMLS# 1485046
858-530-9688
- billy.cafcules@usbank.com
858-530-9688
-
858-692-9698
Connect when it's convenient for you. Request a call.
Ready to apply? Start your application.
Apply