Ideal Home Lending

Mortgage Lender serving San Diego, CA

About Ideal Home Lending

Ideal Home Loans is a local direct mortgage banker, established in 2001, specializing in both home purchase and refinance solutions. The company is dedicated to providing clients with a custom-tailored lending experience, utilizing their extensive experience and resources to help achieve unique financing goals.

Key differentiators for Ideal Home Loans include an innovative "Interest Rate Guarantee" program, which offers a free refinance if market rates drop significantly, and a "3 Week Closing Guarantee" to ensure quick and efficient transactions. They are particularly focused on assisting first-time homebuyers and those requiring down payment assistance, while also extending services to clients with less-than-perfect credit.

Headquartered in Littleton, Colorado, with additional presences in Arizona, Ideal Home Loans prides itself on making clients their top priority. Their commitment to a smooth mortgage process is supported by modern conveniences such as virtual document signing and online pre-qualification tools, combining personalized service with technological efficiency.

Company Information

Founded: 2001
Lender Type: Direct Lender
Headquarters: Littleton, CO

Licensed In

AZCO

Digital Capabilities

Online Application
Digital Document Upload
Online Account Management
Rate Calculator
Pre-Qualification Tool
E-Signature

Home Loan Products

Home Purchase Loans

Loan Types:
FHAVAConventional
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseInvestment PropertyVacation/Second Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Special Programs:
First-Time HomebuyerDown Payment Assistance
Available Terms:
10 years20 years30 years
Credit Tiers:
Excellent (740+)Good (680-739)Fair (620-679)
620
Min Credit Score

Refinance Programs

Loan Types:
RefinanceCash-Out RefinanceHELOCHome Equity Loan
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseInvestment PropertyVacation/Second Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Special Programs:
Renovation Loan
Available Terms:
10 years20 years30 years
Credit Tiers:
Excellent (740+)Good (680-739)Fair (620-679)
650
Min Credit Score

Contact Information

5353 Mission Center Rd UNIT 222
San Diego, CA 92108
US
Mailing Address:
2679 Main St Ste 300-338, Littleton, CO 80120

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Business Information

Category: Mortgage Lender
Location: San Diego, CA
Status: Standard
Founded: 2001
Type: Direct Lender
NMLS ID: 136756
Profile Views: 18

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