Home Loans San Diego & Chula Vista

We have solid relationships with most major banks including Wells Fargo, Bank of America, Union Bank, CHASE among other local direct lenders. Our goal is to guide you to the correct mortgage professional who will walk you through the financing aspect of your transaction. San Diego Real Estate Properties is not affiliated with any bank or mortgage lender.

Types of Loans and Terminology

• Fixed Rate Mortgage

A fixed rate mortgage has the same interest rate and monthly payment throughout the term of the mortgage. The payment is calculated to payoff the mortgage balance at the end of the term. The most common terms are 15 years and 30 years.

• Fully Amortizing ARM

This is the most common type of ARM. The monthly payment is calculated to payoff the entire mortgage balance at the end of the term. The term is typically 30 years. After any fixed interest rate period has passed, the interest rate and payment adjusts annually. A Fully Amortizing ARM will also have a maximum rate that it will not exceed. This calculator uses a maximum interest rate of 12%. Below is a list of the most common types of Fully Amortizing ARMs.

• Expected rate change

The annual adjustment you expect in your ARM. The range for this calculator is minus 3% to plus 3%. Use a negative value if you believe interest rates will decrease, a positive value if you believe they will increase.

• Interest rate

Annual interest rate for each mortgage type. Typically an ARM will have a lower interest rate than a fixed rate mortgage. The rate of an Interest Only ARM will vary by lender.

• Months rate fixed

This is the number of months the rate is fixed for an ARM. During this period the interest rate and the monthly payment will remain fixed. The rate will then adjust annually by the expected rate change.

• Mortgage amount

Original or expected balance for your mortgage.

• Term in years

The number of years over which you will repay this loan. The most common mortgage terms are 15 years and 30 years.

• Home Loans San Diego Interest rate

Annual fixed interest rate for this mortgage.

• Monthly payment

Monthly principal and interest payment (PI)

• Total payments

Total of all monthly payments over the full term of the mortgage. This total payment amount assumes that there are no prepayments of principal.

Total Interest

Total of all interest paid over the full term of the mortgage. This total interest amount assumes that there are no prepayments of principal.

• Prepayment type

The frequency of prepayment. The options are none, monthly, yearly and one-time payment.

• Prepayment amount

Amount that will be prepaid on your mortgage. This amount will be applied to the mortgage principal balance, based on the prepayment type.



San Diego Real Estate Properties can help with all aspects of a home buying and selling experience. Our agents are specialists in their target San Diego community and have an in depth understanding of the local market and trends.

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