Primary location
7770 Clairemont Mesa BlvdSan Diego, CA 92111
mark.ouellette@usbank.com
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ApplyUnion 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 858.530.9501.
Service areas include
Primary location
7770 Clairemont Mesa Blvd619-504-9465
858-530-9501
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ApplyYou need a lender that cares about your clients as much as you do.
The mortgage rates shown below assume a few basic things, including:
Rates are current as of .
See rates for other states.
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Mortgage Loan Officer
NMLS# 315443
619-504-9465
619-504-9465
858-530-9501
Connect when it's convenient for you. Request a call.
Ready to apply? Start your application.
ApplyUse our mortgage calculator to help you better understand your home financing options.
Mortgage Loan Officer
NMLS# 315443
619-504-9465
619-504-9465
858-530-9501
Connect when it's convenient for you. Request a call.
Ready to apply? Start your application.
ApplyMortgage Loan Officer
NMLS# 315443
619-504-9465
619-504-9465
858-530-9501
Connect when it's convenient for you. Request a call.
Ready to apply? Start your application.
ApplyGet answers to your questions regarding home financing, refinancing and more.
A Veterans Affairs (VA) loan is a home mortgage that’s backed by the Department of Veterans Affairs. To be eligible for a VA loan, you must be an active-duty service member, veteran or eligible surviving spouse. A VA home loan requires little or no money down at closing, and even with no down payment, mortgage insurance is not required.
Veterans Affairs (VA) loans are available to active-duty service members, veterans and eligible surviving spouses. A Certificate of Eligibility from the VA is required to show whether you qualify based on your service history and duty status. Your mortgage loan officer will work with you to obtain the Certificate of Eligibility and can help you better understand how VA loans work.
Veterans Affairs (VA) loans are available to active-duty service members and veterans who have served at least 90 days of consecutive service during wartime or 181 days during peacetime. National Guard members and reservists are eligible for a VA loan after six years of service or 181 days of active-duty service. Eligible surviving spouses may also qualify. For more information on how to apply for a VA home loan, contact your mortgage loan officer.
There are several ways active-duty service members, veterans and eligible surviving spouses can take advantage of a Veterans Affairs (VA) loan more than once. Here are some ways you may be eligible for another VA loan:
For more information on VA loans, speak with your mortgage loan officer.
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.
Depending on your home-ownership goals, there are several options for first-time home buyer loans Some examples include Federal Housing Administration (FHA), Veterans Affairs (VA) and United States Department of Agriculture (USDA) loans, which allow for low to zero down payments for qualified buyers. Conventional loans are another option, and you could qualify with a credit score as low as 620 but you’ll need a more substantial down payment (up to 20% depending on your situation). It’s important to consider the benefits of different loan options before deciding which one is right for you.
To qualify for mortgage loans that are best suited for first-time home buyers, there are general requirements that can include:
Your mortgage loan officer can work with you to see if you qualify for any first-time home buyer loans
If you have not owned a home in the last three years, you may be eligible to apply for a first-time home buyer loan and down payment assistance. The requirements for each loan type vary, but they typically are based on your credit score and down payment amount. Contact your mortgage loan officer to see if you qualify.
A fixed-rate loan is one of the most common types of home loans. Benefits include a consistent rate, predictable monthly principal and interest payments and a flexible down payment. If you have good credit and a low debt-to-income ratio (the ratio of total monthly debt payments – not including utilities, cell phone or cable service – compared to gross monthly income), a conventional fixed-rate loan may be a good option for you.
A fixed-rate loan is a type of loan that comes with an interest rate that won't change for the life of the loan. Check out today’s rates for a conventional fixed-rate loan or compare mortgage rates for a variety of loan options. Connect with your mortgage loan officer to learn more about how fixed-rate loans work.
Monthly principal and interest payments on a conventional fixed-rate mortgage remain the same for the life of the loan, making it an attractive option for those who plan to stay in their home for several years. With an adjustable-rate mortgage (ARM) the interest rate may change periodically, based on a pre-determined index, for example the U.S. Treasury, and margin set by the bank. The initial interest rate is fixed for a set period, typically three to 10 years depending on the loan product, and then becomes variable. 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. This may be a good option for those who plan on moving within a few years. Consider the benefits of each to determine which makes the most sense for your situation.
American Dream is a mortgage loan program only available through U.S. Bank. It’s designed to help low- to-moderate income borrowers who may have difficulty qualifying for conventional financing. Benefits of the American Dream home loan include a low down payment option without having to pay mortgage insurance and down payment assistance up to $10,000 which may be used for repairs, down payment and/or closing costs.
Mortgage Loan Officer
NMLS# 315443
619-504-9465
619-504-9465
858-530-9501
Connect when it's convenient for you. Request a call.
Ready to apply? Start your application.
ApplyBy selecting "Continue," you will leave U.S. Bank and enter a third party Web site. U.S. Bank is not responsible for the content of, or products and services provided by , nor does it guarantee the system availability or accuracy of information contained in the site. This Web site is not controlled by U.S. Bank. Please note that the third party site may have privacy and information security policies that differ from those of U.S. Bank.
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