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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.

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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.

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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
Need a Perfect Secret Santa Gift for a Co-worker? Check this Out.

Dec 2, 2016 News

Need a Perfect Secret Santa Gift for a Co-worker? Check this Out.

We’ve all been there… Your office is doing a holiday gift exchange. Whether you are a fan of Secret Santa or not, if you work in an office, chances are […]

A Thanksgiving Thank You

Nov 23, 2016 Mortgage

A Thanksgiving Thank You

Thanksgiving is a time that reminds us all to take a break from our hectic lives and reflect on our blessings and all we have to be grateful for. So […]

Your Loan is Ready to Close … Now What? 

Nov 18, 2016 Mortgage

Your Loan is Ready to Close … Now What? 

If you’re like most home buyers, you’re anxiously awaiting those three magic words “Clear to Close”! Closing your loan is the final step in the home buying process. During the […]

Advantages to Working with a Local Loan Officer/Mortgage Company

Nov 11, 2016 Mortgage

Advantages to Working with a Local Loan Officer/Mortgage Company

You may have seen the ads for mortgage companies with licenses in multiple states, often including states where there is no local branch. Sometimes, what one of these companies is […]

VIP Mortgage Awards

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

© 2016 V.I.P. Mortgage Inc. All Rights Reserved / National Licensing V.I.P. NATIONAL NMLS 145502 AZ: Mortgage Banker License No. BK-0909074, BKBR-0115633, BKBR-0115710, BKBR-0115261, BKBR-0116075, BKBR-0116262, BKBR-0116743, BKBR-0116742,BKBR-0116740, BKBR-0116741, BKBR-0116422 / 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.