About us
Heritage Mortgage is a full service company assisting clients through the entire process of financing, refinancing, buying or selling residential property. MISSION STATEMENT: Our goal is to provide every individual with the best possible advice and options to obtain a new home loan or home refinance and to buy or sell a home. We deliver experience, knowledge, and service in an efficient and thorough process. Our reputation is very important and we embrace integrity. NOTE: We do not, and never have, charged fees for credit reports, processing, rate locks, pre-qualification and pre-approval letters, or underwriting fees. ABOUT JOHN ENGSTROM, President Before starting his own company in 1995 in La Jolla, John worked in all aspects of the mortgage and real estate industry as a loan officer for several large banks, a real estate appraiser, and a licensed Realtor. His experience has given him breadth and depth of knowledge in a rapidly changing industry. John serves clients throughout San Diego County, all of California, and can provide references to many other locations throughout the Southwest. ABOUT LYDIA EAST, Vice President After a career in higher education and management consulting, Lydia obtained her real estate license in 2004 and has proven results in buying and selling homes. Her education includes a bachelor’s degree in communication and a master’s degree in business. WHAT YOU CAN EXPECT: As an independent mortgage broker, we have multiple banking institutions to consider in order to ensure that you receive the best rate for your loan. We deal with each client in a straightforward and honest manner – the best rates available, no hidden costs or last minute costs, and swift completion. We will research the options available and provide you with the best advice appropriate for your needs. In real estate transactions, we will listen to your needs and desires and do everything we can to make you satisfied. While we will be your guide and trusted advisor, you should also be prepared to consult your attorney, financial advisor, and/ or accountant if necessary. WHO WE ARE: John and Lydia have been married since 2003 and enjoy golf, collegiate sports, especially USC and Notre Dame football, the March Madness tournament, and fantasy football (John more than Lydia!) We look forward to working with you. ABOUT US: Heritage Mortgage is a full service company assisting clients through the entire process of buying, selling, or financing a primary, secondary or investment home. We are approved to provide HARP1 and HARP2 refinancing of Fannie Mae and Freddie Mac owned properties AngiesList SuperService Award winning 2009, 2010, 2011, 2012 and 2013, 2014.
Business highlights
Services we offer
Heritage Mortgage is your local San Diego resource for residential mortgage loans for home purchase or refinance. Call John for loan preapproval; we work with realtors from all companies and ensure you receive the best financing available. We advise how to refinance and the best way to structure a new loan for your situation to save you money on a primary, secondary or investment house, townhouse or condo.
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since we last purchased a home and things have certainly changed in terms of process and paperwork. We came to John because he had experience in working with business owners and professionals for their mortgage needs.
John was able to walk us through the process and all of therequired bank documents efficiently. We closed on time and for a very competitive rate. Even the escrow company and our listing agent were impressed by just how quickly he was able to make things happen including getting an early wire out to escrow. We would highly recommend John to anyone looking for a professional experience in San Diego.
personable. When we found THE house, she did a phenomenal job of getting the seller and seller?s agent to accept our contingent offer pending the sale of our existing house. She really was incredible as she negotiated, communicated, inspected and advised. She
and her transaction coordinator did all the paperwork, disclosures and reports electronically. Again, she did nice things along the way that no one else has done for us in the past. We had a small hiccup with the repairs and Lydia went above and beyond trying to make
it right.
A bonus is that John did our real estate loan so we were prequalified when we made the offer and we knew we were going to get our new loan and close on time. Don?t hesitate to call John and Lydia.
loan this month. A great rate, no surprises, good communication throughout the process, and the loan was done on time. John is ?on the ball? and knows how to work with complex situations.
We wanted to buy a new house and he told exactly what to do. He told us how much to put down, what all the fees would be, how much our mortgage payments would be, and how much we would need to close escrow. He know his stuff and we are
really happy?.
Refinance with cash out quickly (about 21 days from application date)
The rates were very competitive
Chris M. El Cajon)
willing to listen and delivered as promised. He also gave me options and provided
the best out there.
We did have to pay for an appraisal but that appears to be standard practice and was not a fee charged by Heritage Mortgage.
All the massive amount of paperwork that is required for a mortgage was handled electronically wherever possible (which we appreciated) and Lydia was able to meet with us to finish off the transaction with signatures at our convenience.
The whole process was very quick, efficient and professionally managed. It was as painless as the process can be. We would definitely use this firm again.
Everything went smoothly and the new loan was funded on January 7.
Now I am saving money every month. Yahooooo!!!!!
I would definitely use John in the future, he definitely earned both my, and my wife's, trust in the process. Until we return to the no-doc days where anyone and his brother could be (and was) a mortgage agent, I'd recommend dealing with John.
Licensing
State Contractor License Requirements
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