SAN DIEGO, CALIFORNIA
Home financing
in San Diego.
Mark and Alexander Angotta help homebuyers, business owners, and property investors work through financing for self-employed income, rental properties, and buying before selling.
YOUR FINANCING GOAL
What are you planning?
Choose a goal to see what to consider
and what to bring to the conversation.
Plan your home purchase.
Share your price range, available down payment, and target move date. The team will explain which loan options to review and what information is needed for the next step.
You can start with an estimated purchase price and the amount you have set aside for a down payment.
An introduction to your options. Loan availability and eligibility depend on your circumstances and lender review.
MORTGAGE PROGRAMS
Explore financing options.
Explore programs for home purchases, self-employed income, and investment property. Requirements depend on the program and your circumstances.
Architectural study · Illustrative imageryConventional & jumbo loans
For a purchase or refinance, compare the loan amount, down payment, and cash needed at closing. Mark and Alexander can explain conventional and jumbo options, including the income records and reserves required for lender review.
Self-employed borrowers
Business owners can explore bank statement and other alternative-documentation programs. The team will explain which income records are needed and how requirements differ between programs.
Investment & construction
The property’s use, project budget, and timeline help determine which financing options to review. Share whether you’re buying a rental, renovating, building, or considering a commercial property.
First-time buyers, FHA & VA
Understand down payment, closing costs, and the application process before you make an offer. The team also helps borrowers explore FHA and VA financing and understand the eligibility requirements.
SAN DIEGO HOMEOWNERS
Buying before you sell?
If your down payment is tied up in your current home, we can review your equity, timing, and carrying costs to see whether bridge financing may fit.
A FATHER-AND-SON TEAM
Meet the Angotta Team.
Mark built his career in mortgage lending, while Alexander came to the team from business financing. Karina Schreck works alongside them as Business Development Coordinator.
Based in San Diego, their work includes purchases and refinances, financing for business owners and property investors, and buyers coordinating the sale of an existing home.
FROM A CLIENT REVIEW
“He took the time to understand our case, navigated all the complexities, and found a solution where others failed.”
PAYMENT ESTIMATE
Estimate a monthly payment.
Adjust a few assumptions to see how a monthly payment changes. Bring your questions to a conversation with the team.
Illustrative estimates only—not a rate quote, pre-approval, or lending offer. Actual rates, costs, and eligibility vary.
Based on a $960,000 loan over 30 years.
Excludes property taxes, homeowners insurance, mortgage insurance, HOA dues, and closing costs. Your total housing cost will be higher.
COMMON QUESTIONS
Before you get in touch.
Do I need to have a home picked out?
No. An early conversation can help you understand the process, prepare questions, and discuss the information a lender may need before you start making offers.
Can we talk if I’m self-employed?
Yes. Tell the team about your business, income structure, and plans. They can discuss available documentation approaches and whether a program may be appropriate for further review.
What should I bring to a first conversation?
Your goal, approximate timing, and any questions you already have are a useful start. The team can explain what financial documents may be needed later. Please use the lender’s secure application process for sensitive documents.
Can you help outside San Diego?
Ask the team about your property’s state and the type of financing you need. Licensing and program availability vary; the team will confirm whether they can assist with your location.
CONTACT THE TEAM
Talk with Mark or Alexander.
Call or email with your property, timing, and questions. The team will explain which information to prepare and how to continue through Rate’s application process.
12625 High Bluff Drive, Suite 210
San Diego, CA 92130
Ready to buy a home?
Start a purchase application on Rate’s website.