GHI Mortgage is your “quick close” specialist. As direct lenders, we underwrite, close, and fund all mortgage loans in-house, meaning you don’t have to wait to get the funding you need. This doesn’t just speed up the lending process. Faster closings are more affordable and hassle-free, so you can get your mortgage without the high cost or the headache. Getting into a new home is a cinch when you choose GHI Mortgage.
We have a wide range of offerings, including conventional, VA, and FHA residential mortgages. This allows us to find the best rate and program for your needs. We look at your specific situation and match you up to the product that makes the most sense for you. While some companies take a one-size-fits-all approach to mortgage lending, we customize the process, ensuring we offer competitive rates for each customer we serve.
GHI Mortgage’s business model is built on integrity, professionalism, and respect, and that allows us to form personal relationships with our customers. We want to be your lender for life, and that desire shines through with each interaction. Just like a good friend, we want what’s best for you, and we will work tirelessly to find it. We are as excited about your new home as you are, so let us help you.
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With quick turn-times, responsiveness of staff in addressing questions as they arise, and commitment to a seamless transaction from beginning to end for each and every client is what makes us different. Our easy-to-use process has made us the “lender for life” for many of our customers.
When you use GHI Mortgage, you are more than a credit score or an income. You are a person with hopes and dreams, many of which are tied into your new home or interest rate.
We look at the whole picture when determining the best lending product for your needs, ensuring that are you pleased with the outcome. Then, we will process the loan quickly so you can walk into the home’s closing with confidence, knowing your dream home is just a signing (more than one signature) away.
If you want competitive rates, quick financing, and a true partner in your closing, GHI Mortgage is the clear choice. We can’t wait to become your lender for life.
When Luz Fernandez-Labsan arrived in San Diego, she brought more than her luggage and her military husband. She also brought a dream of working in the mortgage industry. She managed to get into the business as a loan processor, using the money earned from her job to help her growing family pay its bills. Luz quickly stood out as someone who has a mind for the industry, and her employer started giving her more tasks. As she took on more responsibilities, she learned more and more about the industry. She quickly realized what worked well and what improvements could be made.She brought that knowledge with her when she became a loan officer, and then moved up again as a mortgage broker. Finally, she made her way all the way up to become a mortgage banker. This allowed her to control the process by originating and closing the loans in-house.It was a fast ascent for Luz, but she never lost touch of what got her into the industry in the first place. From her very first day on the job as a loan processor, it’s always been about the families who are trying to realize the dream of home ownership while struggling to make ends meet. The mortgage industry helped her by giving her a job when she was facing hard times, and now, she is repaying that debt by helping struggling families close on their home loans.This people-centric approach has helped GHI Mortgage build a loyal fan base. Many of the customers are referrals and repeat clients, creating a family-like atmosphere at the mortgage company.The company has managed to take care of that family by focusing on sustainability. GHI Mortgage is an “A-paper” lender, which allows it to grow steadily. This approach has helped GHI Mortgage survive the subprime lending crisis of 2007-2010. Being an “A-paper” lender does not mean that GHI Mortgage doesn’t assist potential buyers, though. Luz has implemented various programs, such as down payment and closing cost assistance to help buyers who would normally have trouble financing a home.Throughout Luz’s successful career, she has never lost sight of the community she serves. Along with helping first-time homebuyers, GHI Mortgage engages in volunteer opportunities, provides educational outreach, and more. Luz had a dream of building a different type of mortgage company, and it’s clear she has succeeded. GHI Mortgage puts the people first, realizing Luz’s dream of helping people get into homes they love.
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