A Sample of Mortgage Programs Available:

Purchase or Refinance Conventional, Jumbo, VA and FHA Loans
Community Home Buyer Programs
Low Down Payment Programs and Loans
Low Closing Costs Loans
Reduced Documentation Loans
Fixed, Adjustable Rates Mortgages and Hybrid Loan
40 Year Adjustable Rate Programs
Non-Owner Residential Loans (1-4 units)
California PERS Loans
Equity Lines of Credit and 2nd Trust Deed Loans
Certified Cal Vet Broker
Interest Only Loans

I am a Mortgage Banker with in-house underwriting, documents and funding

Rancho Financial Mortgage Center is one of San Diego's oldest and most trusted Mortgage Brokerage firms. Since incorporation in 1986, over $4 billion worth of home loans have been funded through Rancho Financial.

Since 1986, Roger E. Taylor has been the mortgage specialist assisting buyers  in finding the perfect home loan. In 1988, Roger was the leading Loan  Consultant and top funder from the San Diego office of First Federal Savings  Bank of California. Mr. Taylor brought a wealth of professionalism and  experience upon joining Rancho Financial.

Rancho Financial is located in the inland North County of San Diego. Rancho Bernardo is the home for Rancho Financial and Mr. Taylor will travel anywhere necessary to serve a client needing a professional mortgage broker.

What Are Mortgage Brokers and Why Should I Use Their Service?

Years ago, the typical home buyer or those home owners wishing to refinance their home would walk to their corner bank and sit down with the local Loan Officer. This was easy and convenient. The local bank would recommend one or two programs - typically they would be either a 30 or 15 year fixed rate loan, or a VA or FHA program. The menu was very limited, and it was to the advantage of the bank to offer the bank's programs. Later, in the 1970's came adjustable rate mortgages, and bank Loan Officers could offer new choices.  Again, it served the bank's bottom line and profits when loan officers sold the bank's dedicated programs. However, in the 1980's a torrent of new loan programs began to flood the market place. Negative amortization, balloon payments, 40 year loans, convertibles, prepayment penalties, became new language and this was put into the alphabet soup of loan programs offered to the public. Loan programs were no longer easy to understand. Suddenly there was a multitude of choice. In addition, there was a wave of banks and lenders that went out of business or were swallowed up by larger banks as corporate consolidation occurred. Consumers could no longer rely on the convenience of the corner bank which had been moved to the distant big city.

A Mortgage Broker functions as a dedicated agent, shopper and translator. An experienced Loan Officer, such as Roger E. Taylor, can walk you through a variety of mortgage choices and show you what is currently available in the market. Rancho Financial has relationships with over 100 nationwide banks and investors. Roger can educate the first-time buyer or the seasoned homeowner on a variety of alternative mortgages; he can help select the best loan to suit your special needs. Roger E. Taylor represents the borrower, not the loan program or the bank. The best loan to fit the needs of an individual is methodically researched.