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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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Why choose V.I.P. ?

Want to lower your interest rate? Pay your loan off quicker? Cash in on your home equity? V.I.P. Mortgage will provide you with a comprehensive list of available loans to accomplish your goal. Start the refinance process today by finding out what your home is worth!

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FHA Loans

Ideal for first time home buyers, or buyers with less than perfect credit, an FHA loan is an affordable option with a minimal down payment.

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Conventional Loans

A 30-year or 15-year fixed rate loan offers you stability in knowing that your interest rate will stay the same for the life of the loan.

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VA Loans

Active duty military personnel and veterans can use a VA Loan to purchase a home with NO money down.

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ARM Loans

ARM Loans allow you to fix a low interest rate for 3, 5, 7, or even 10 years, typically providing a lower monthly payment than other loan types.

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Jumbo Loans

Jumbo Loans come in to play when the property cost exceeds the mortgage conforming limit...$417,000 in most parts of the country.

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Reverse Mortgages

A Reverse Mortgage allows seniors the freedom from worrisome debt and monthly mortgage payments without selling their home.

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Factors That Influence Interest Rates

Aug 25, 2016 Mortgage

Factors That Influence Interest Rates

Mortgage interest rates are influenced by a wide variety of factors. One of the most important factors to influence mortgage interest rates is inflation. As a general rule, the lower […]

How and When You Can Drop Your Private Mortgage Insurance to Save Money Each Month!

Aug 16, 2016 Mortgage

How and When You Can Drop Your Private Mortgage Insurance to Save Money Each Month!

Private mortgage insurance, or PMI, is charged by the lender in order to protect the lender in case the borrower defaults and stops paying the mortgage. The premiums are included […]

Five Ways to Pay off Your Mortgage Sooner

Aug 11, 2016 Mortgage

Five Ways to Pay off Your Mortgage Sooner

Just imagine not having that mortgage payment to make every month and the feeling when your home officially belongs to you and not part to your lender. Here are a […]

What Do Home Inspectors Look For?

Jul 23, 2016 Mortgage

What Do Home Inspectors Look For?

A home inspector will perform a visual inspection of your property from top to bottom, including all the main systems. They are designed mostly to protect buyers from investing in […]

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.