PMI is a type of insurance required on conventional loans where the loan amount is greater than 80% of the purchase price or property value. Once a minimum of 20% equity has been established, PMI may be eliminated.

There is a difference in PMIs however. There is LPMI, or Lender Paid Mortgage In...

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Looking to buy a house? We partner with dozens of lenders to find the best deal for you when it comes to your new home loan. Ready to work with an independent mortgage broker? Give us a call!

No need to build your schedule around your mortgage application. Use our online mortgage app to apply at a time that works for you, no appointment necessary. Visit our website or call to learn more!

There are many perks to owning a home, and writing off your mortgage interest at tax time is a benefit for new and existing homeowners alike. It’s designed to make homeownership even more affordable and can often lower your overall taxable income.

Think you’ll have to go without? Think again! Save some money for the move-in by putting less money down with a conventional 3% down loan. You may even be able to use gift funds for your entire down payment! Call today to learn more and check your eligibility.

Planning to put down less than 20%? You'll need mortgage insurance. We offer exclusive low rates on MI that will help lower your monthly payment. Reach out today to learn more.

Ready to relax? Our online application is a breeze, so a few clicks from your couch is all you’ll need. Reach out to get started today!

Just like you wouldn't drive without a driver's license, it doesn't make sense to shop for a house without a pre-approval. A pre-approval demonstrates you have the borrowing power to back up an offer with sellers. Let’s get started today.

Multi-tasking isn’t for everyone, that’s why we focus on what we know best: mortgages. If you’ve found your dream home, call us today. We’ll use our mortgage expertise to get you moved in fast!


7 months ago
If there were more than 5 stars available to give to Scott I'd do it! That's because his knowledge and ability to take what can seem to be complex (to those of us who aren't mortgage lenders) and put things into understandable terms is outstanding. This is not my first mortgage or refinance working with Scott yet it was by far the easiest due largely to Scott's expertise in making sure all of the "moving pieces" were handled in the most efficient way. He also kept my best interest at hand as he'd "coach me" through when the interest rate was optimum and what I needed to do in order to take advantage of the rate. Scott's attention to detail and ability to help navigate with ease what can be a daunting and emotional process is what keeps me coming back to the Mortgage Resource. Thanks Scott!
- Judy H
8 months ago
I just completed a refinance of my home with The Mortgage Resource and I cannot sing Scott’s praises loud enough. This was a very emotional time for me personally and he was the calm I needed during this process. He answered all my questions….and I’ve been told I ask a lot. He was knowledgeable, patient and made sure I understood every step of the process. He has great instincts too. When I started the process, I was expecting one rate and he said, “Let’s give it one more day, I’ve been watching the market.” The next day the rate dropped .25%. I was ecstatic! The whole process was completed quickly and painlessly. I highly recommend The Mortgage Resource. You won’t find better professionalism or service anywhere.
- Tracy H
7 months ago
I have used Scott for years now. He has completed 3 refinancing for me the last one will be my last because of my age and the low rate I received. I always look at the payback to me on anything. With this loan he rolled my Solar loan into my mortgage and saved me around $300 a month. I like it that he looks at the payback you get before he recommends any type of refinancing. If you are looking for someone that does a great job of staying on top of things and will look after your best interests then this is the guy that you want to do your loan. Over the past 25 year maybe a little longer I have recommended him to all of my friends and he has done a great job for those that choose to have them work with him. If you are looking at refinancing and I do not see why you would not if you have an APR above or around 4% you need to give him a call and see what is currently available. Highest rating for service I could give anyone. Unless you are halfway through your mortgage or you ...
- Gilbert H

For more information.

Please see our company site at https://themortgageresource.org

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  • (619) 469-3638


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8118 Vista Drive
La Mesa, CA 91941
United States

Business Hours

Mon:9:00 AM – 6:00 PM
Tue:9:00 AM – 6:00 PM
Wed:9:00 AM – 6:00 PM
Thu:9:00 AM – 6:00 PM
Fri:9:00 AM – 6:00 PM
Sat:11:00 AM – 4:00 PM
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