Your Local Trusted Mortgage Specialist

Buying your first home in California is an exciting milestone, and Mark Pattison is here to guide you. Specializing in First-Time Homebuyer and Down Payment Assistance (DPA) Loans, Mark helps clients statewide access programs that make homeownership more affordable. Whether you need help with lower down payments or financial assistance options, Mark tailors solutions to your unique needs. With clear guidance and personalized support, he simplifies the mortgage process, ensuring you feel confident and informed. From San Diego to the rest of California, let Mark help you achieve the dream of owning your first home with ease.

Conventional Loans are a flexible and affordable choice for homeowners throughout California. Based in San Diego, Mark Pattison serves clients across the state, offering competitive rates and customizable terms. Whether you prefer a fixed-rate or adjustable-rate mortgage, Mark provides expert guidance to find the best fit for your financial goals. Perfect for buyers with strong credit, these loans can help you purchase or refinance with confidence. Mark’s statewide service ensures you navigate the process with clarity and ease, achieving homeownership no matter where you are in California.

FHA Home Loans are ideal for California buyers seeking affordability and flexibility. Backed by the Federal Housing Administration, these loans feature low down payments and lenient credit requirements, making them great for first-time buyers or those with less-than-perfect credit. From his San Diego base, Mark Pattison serves clients across the state, offering expert guidance to simplify FHA financing. Whether you’re in Northern California or Southern California, Mark ensures you understand every step of the process. With competitive terms and personalized support, he helps you achieve your homeownership goals anywhere in California.

Mark Pattison proudly serves military members, veterans, and their families throughout California, specializing in VA Home Loans. These government-backed loans offer benefits like zero down payment, no PMI, and competitive interest rates. From his office in San Diego, Mark provides statewide support to ensure you maximize these advantages. Whether you’re buying your first home or refinancing, Mark’s personalized guidance and expertise simplify the mortgage process. No matter where you are in California, trust Mark to help you achieve your homeownership goals with confidence and respect.

For luxury homes or high-value properties across California, Jumbo Loan Programs provide the financing needed to exceed conventional loan limits. Based in San Diego, Mark Pattison serves clients throughout the state, offering competitive rates and terms for these specialized loans. Whether you’re purchasing a high-value property in Los Angeles, San Francisco, or anywhere else in California, Mark’s expertise ensures a smooth process. With a personalized approach tailored to your financial goals, Mark helps you navigate the complexities of jumbo financing with clarity and confidence.

Self-employed individuals across California face unique challenges when applying for home loans, but Mark Pattison provides tailored solutions to make the process simple and accessible. Based in San Diego and serving the entire state, Mark specializes in alternative qualification methods like bank statements or asset-based verification. Whether you’re buying your dream home or refinancing, Mark helps you navigate flexible mortgage options designed to fit your financial situation. With his expertise and personalized approach, Mark ensures self-employed borrowers feel supported every step of the way, turning homeownership into an achievable goal anywhere in California.

For California borrowers with unique financial profiles, Non-Qualified Mortgage (NQM) Loans provide a flexible solution. Mark Pattison, based in San Diego, serves clients across the state who may not meet traditional lending requirements. Whether you’re self-employed, have complex income streams, or need alternative documentation, Mark’s expertise ensures you secure a loan tailored to your needs. By offering personalized guidance and clear explanations, Mark simplifies the process so you can confidently achieve your homeownership goals anywhere in California.

Bank Statement Loans are ideal for self-employed borrowers or those with non-traditional income sources. Serving clients throughout California from his San Diego office, Mark Pattison specializes in securing these loans by analyzing your bank deposits rather than relying on traditional income verification. Whether purchasing a new home or refinancing, Mark’s expertise ensures a seamless process and a mortgage tailored to your financial situation. Trust Mark to provide clear guidance and personalized support as you achieve your homeownership dreams in California.

Mark Pattison offers expert guidance for Investment Property Financing to clients across California. Whether you’re purchasing a rental property in San Diego or expanding your portfolio in another part of the state, Mark provides tailored solutions to meet your goals. With experience in evaluating property value, rental income, and market trends, Mark ensures you secure competitive loan terms to maximize your returns. From single-family homes to multi-unit investments, Mark simplifies the process so you can confidently grow your real estate portfolio anywhere in California.

ITIN Loans are designed for California residents without Social Security numbers who dream of homeownership. From his San Diego office, Mark Pattison assists clients statewide in securing accessible financing through Individual Taxpayer Identification Numbers (ITINs). With flexible credit and income requirements, these loans open doors for families and individuals throughout California. Mark’s personalized service ensures you understand the process and find the right mortgage for your needs. Trust his expertise to help you achieve your homeownership goals with ease and confidence.

Refinancing your mortgage can help you save money, lower payments, or access equity, and Mark Pattison offers expert guidance to homeowners across California. Whether you’re in San Diego or elsewhere in the state, Mark provides personalized solutions tailored to your financial goals. From rate-and-term refinancing to cash-out options, Mark ensures a seamless process and clear communication every step of the way. Trust Mark’s expertise to help you optimize your home loan and achieve greater financial flexibility wherever you live in California.

A Home Equity Line of Credit (HELOC) allows California homeowners to access their home’s equity for various financial needs. From his base in San Diego, Mark Pattison helps clients statewide secure HELOCs with competitive rates and terms. Whether you’re planning home improvements, consolidating debt, or funding major expenses, Mark’s personalized approach simplifies the process. Trust his expertise to guide you through unlocking your home’s potential, providing the clarity and support you need to achieve your financial goals anywhere in California.

For homeowners and buyers across California, Renovation and Construction Loans offer a way to transform or build your dream home. Based in San Diego, Mark Pattison serves clients throughout the state, helping them secure financing for home improvements, major repairs, or custom builds. With a focus on clarity and simplicity, Mark ensures you find a loan that fits your vision and financial needs. Whether renovating a fixer-upper or starting from scratch, trust Mark to provide expert guidance every step of the way.

USDA Loans make homeownership affordable for buyers in eligible rural areas across California. From his office in San Diego, Mark Pattison provides statewide support to clients looking to take advantage of these zero-down-payment loans. Backed by the U.S. Department of Agriculture, USDA Loans feature competitive rates and flexible terms. Mark’s personalized service ensures you understand the qualifications and benefits, helping you confidently secure a loan and achieve your homeownership dreams in California’s eligible communities.

Adjustable-Rate Mortgages (ARMs) are a flexible option for homebuyers across California seeking lower initial interest rates. Based in San Diego, Mark Pattison helps clients statewide navigate the benefits and considerations of ARMs, which adjust periodically based on market trends. Ideal for short-term plans or fluctuating financial needs, ARMs can provide significant savings. Mark’s expertise ensures you select the right terms for your goals and feel confident throughout the process. Wherever you are in California, trust Mark to provide personalized guidance for a mortgage solution that works for you.