Products & Services
This is what would be referred to as a “Traditional” home loan.
Is a Government home loan product. This loan is available to anyone who qualifies for their Primary residence. It is NOT used for Investment properties. It can be used in a Purchase or Refinance transaction. This loan DOES have “Upfront” Mortgage Insurance and Monthly Mortgage Insurance. This loan only requires a 3.5% Down payment.
This loan is for Veterans who are eligible to receive their Veteran Benefits. This loan is also a Government Insured loan. There is NO down payment required in most transactions. There is NO Monthly Mortgage Insurance.
Government insured loan used in the Rural areas of the County. It is a 100% loan, no Down Payment is required. The qualifications are similar to FHA.
This is the Home Affordable Refinance Program. Currently your loan MUST be owned by either Fannie Mae or Freddie Mac to qualify. The loan MUST have been sold BEFORE June 2009. This loan enables home owners who are UPSIDE DOWN in their mortgages to refinance regardless of current market value.
Specialty Loan Products
FHA 203K / Rehab / Remodel
FNMA Home Path
Cross-Collateral / Bridge Loans
Asset Depletion & Asset Assignment
Realtor & Lending Testimonials
We have been professional business acquaintances for over seven years. Karen has consistently provided excellent financial and real estate advice and leadership to my family. We have purchased residential properties, refinanced homes and continuously enjoy above-average investment gains. Karen’s ability to stay current with all of real estate finance and investment regulations, certainly compliments our ability to reach our investment goals. Much of this is due to the combination of her knowledge, experience and extraordinary organizational and time management skills which, play a huge role in successful escrow closings.
Karen Keyser is a proactive, knowledgeable, and caring mortgage originator. Through my years as an account executive in which I service many mortgage brokers and their clients, I can say that it is a true pleasure to work with Karen. Her high integrity, diligence and care result in excellent customer service and happy borrowers, realtors, and financial planning partners. Karen’s excellent communication skills help to make sure that loans close as quickly as possible.
Karen is the best out there and that is not an exaggeration. Many times over I have had buyers working with other lenders that was not a recommendation of mine. Then their lender was not able to complete the loan as promised. But Karen said she could and then actually would complete the loan. Best lender I know.
Sr. Mortgage Advisor / Broker Associate
Tel: (760) 803-2075
BRE # 1348153 NMLS # 238676
Capital Loan Associates
10815 Rancho Bernardo Rd #205
San Diego, CA 92127