La Jolla Wealth Management

Loan Products

Whatever your situation, we have a loan just for you. If it's a loan to buy a home, lower your monthly payments, pay bills or improve your credit -- we've got it! Let us show you. CALL NOW. 858-581-1111

FIXED RATE LOANS

LOAN PROGRAM	REASONS TO CHOOSE IT	KEY FEATURES
30, 25, 20, 15, 10 YEAR FIXED	Fixed rate loans offer a predictable payment and paydown both parinciple and interest over the life of the loan.	Low down payment and interest only option available on som products.
2 & 3 YEAR FIXED	Low fixed rate for the first 2 to 3 years. Interest rates are lower than long term products but switch to a fully adjustable rate after initial period.	Low payment.

ADJUSTABLE RATE MORTGAGE'S (ARM)

LOAN PROGRAM	REASONS TO CHOOSE IT	KEY FEATURES
PAY OPTION ARM	The Pay Option ARM offers the most flexible payment option available. Borrowers have the option to pay a low 1% minimum payment, interest only, 30 year or 40 year payment	4 Payment options every month.
10/1 ARM	Interst rate and payments are fixed for 10 years then go fully adjustable.	Low payment.
7/1 ARM	Interst rate and payments are fixed for 7 years then go fully adjustable.	Low payment.
2/28 ARM	Interst rate and payments are fixed for 2 years then go fully adjustable.	Low payment.
3/27 ARM	Interst rate and payments are fixed for 3 years then go fully adjustable.	Low payment.

PRIVATE INVESTOR LOANS

LOAN PROGRAM	REASONS TO CHOOSE IT	KEY FEATURES
HARD MONEY LOAN	This loan is designed for loans that do not meet traditional banking institution guidelines.	Save your home from possible foreclosure. FICO score is not a qualification foactor for this loan.