Welcome to my website, I'm

Matt Chao

Here at VIP Mortgage, we make your home purchase or refinance experience stress free, simple and informative. Fill out the quick form below to get started or click any of the 3 tabs below to get more information about purchasing a home, refinancing your existing home or learn more about the loan programs we offer here in San Diego.

Payment Calculator
$
 

Let us help you!

Whether you're a first-time buyer, a move-up buyer, or a seasoned investor, we understand that buying a home is one of the most important decisions you will make in your lifetime. V.I.P. Mortgage is here to guide you in making the best decision possible. We focus on providing you an enjoyable home buying process and we won't stop working until you are satisfied with your home loan.

Request More Information

Find Our What Your Home is Worth, Free!

See how much you could be saving!

Benefits of Refinancing:

  • Lower Your Interest Rate
  • Lower Your Monthly Payment
  • Pay Off Your Mortgage Sooner
  • Change Your Loan Type
  • Access the equity in your home
  • Eliminate Private Mortgage Insurance (PMI)
  • Consolidate other debts
Make Your Home a Safe One

Feb 22, 2017 Home Improvement

Make Your Home a Safe One

Owning a home is a huge responsibility. Not just financially. But because you’re the owner. It’s all on you. That means you also have the immense responsibility of keeping your […]

Just Moved? You Might Get a Tax Break

Feb 15, 2017 News, Real Estate

Just Moved? You Might Get a Tax Break

Have you seen that commercial with Kathy Bates and the ghost kids in her house? She calls a tax advisor to see if she can claim the creepy kids as […]

Millennials Hit the Suburbs

Feb 9, 2017 Real Estate

Millennials Hit the Suburbs

Take note: The real estate market is about to get a giant influx in millennial buyers. According to PR Newswire, millennials are now the largest generation in the housing market. […]

23 Best Productivity Hacks to Kick Off the Year

Feb 2, 2017 Mortgage

23 Best Productivity Hacks to Kick Off the Year

Hello February! It’s the shortest month of the year. Just 28 days. But it can also feel like one of the longest months of the year because it is right […]

VIP Mortgage Awards

NMLS#1428557 CA-DBO1428557 l GA 51913 / State Licensing NMLS Consumer Access Privacy/Security

© 2017V.I.P. Mortgage, Inc. does Business in Accordance with Federal Fair Lending Laws. NMLS ID 145502. AZ: Mortgage Banker License No. BK-0909074. CA: BRE Real Estate Corporation License Endorsement 01866775 | DBO Residential Mortgage Lending Act License 4131324 D.B.A. V.I.P. Independent Mortgage, Inc. | 41DBO-58745. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. CO: Mortgage Company Registration 145502. Regulated by the CO Division of Real Estate. FL: Mortgage Lender License MLD1399; MLDB4970. HI: Mortgage Loan Originator Company License HI-145502. IL: Illinois Residential Mortgage Licensee MB.6760990. IN: DFI First Lien Mortgage Lending License 21573; DFI Subordinate Lien Mortgage Lending License 21574. MI: First Mortgage Broker/Lender License FL0017723; Second Mortgage Broker/Lender Registrant License SR0017724. MN: Residential Mortgage Originator License MN-MO-145502, Minnesota Residential Servicer License MN-MS-145502. NC: North Carolina Mortgage Lender License State License #: L-170588. NE: Mortgage Banker License 2032 | Banker License 1081833. NM: MLC 397200 | MLC 3769 | MLC 834012 | MLC 1081833 | MLC 336964. OR: ML-5444-3 | ML-5444-2 | ML-5444-1 | ML-5444. TX: SML Mortgage Banker Registration. N.A. D.B.A. V.I.P. Independent Mortgage, Inc. UT: DRE Mortgage Entity License No: MLCO-7233522 | DRE-8993850. WA: Master Business License No. 602 774 478, Consumer Loan Company License No. CL-145502 | CL-172492 | CL-336964 | CL-1252401 | CL-1355178. WI: Mortgage Banker License No. 145502BA | 172492BA , WI- Mortgage Broker License No. 145502BR | 172492BA. V.I.P. Mortgage, Inc. does Business in Accordance With Federal Fair Lending Laws. V.I.P. Mortgage Inc. is not acting on behalf of or at the direction of HUD/FHA or the Federal Government. V.I.P. Mortgage Inc. is approved to participate in FHA programs but the products and services performed by V.I.P. Mortgage Inc. are not coming directly from HUD or FHA.