Business Details
Your Trusted Mortgage Partner in El Cajon
At Granite Mortgage Inc., our mission is to set a high standard in the mortgage industry. We are committed to quality customer service, prioritizing the needs of our clients throughout the home loan process. Our goal is to guide you in selecting the best mortgage for your family, ensuring you feel confident in your decision. We strive to build long-term relationships, offering personalized support and expertise in residential lending.With decades of combined experience, our team works diligently to secure competitive rates and tailored solutions for every client. We emphasize transparency, integrity, and exceptional service, making us a trusted partner for all your mortgage needs.
Services
Conventional Loans
FHA Loans
VA Loans
Jumbo Loans
Refinance Loans
Reverse Mortgages
Bank Statement Loans
Down Payment Assistance
Non-QM Loans
USDA Loans
Highlights and features
- We offer over 20 years of expertise in residential lending.
- Our team provides personalized mortgage solutions tailored to your needs.
- We guarantee competitive rates and transparent fee structures.
- Our loan officers are NMLS-certified with industry-leading knowledge.
- We prioritize integrity, ensuring no hidden fees or misleading practices.
What people say
Best mortgage company
Knowledgeable team
Seamless process
Competitive rates
Exceptional service
Services
Conventional Loans
Conventional loans offer flexible terms for homebuyers with strong credit histories. These mortgages are ideal for those seeking competitive rates without government-backed requirements. Our team simplifies the application process, ensuring clear communication and timely approvals.
FHA Loans
FHA loans provide low down payment options for first-time homebuyers. Designed for those with moderate credit scores, these mortgages are insured by the Federal Housing Administration. We guide clients through eligibility criteria and streamline the approval process.
VA Loans
VA loans offer favorable terms for veterans and active-duty military members. These zero-down-payment mortgages are guaranteed by the Department of Veterans Affairs. Our specialists ensure a smooth experience, leveraging their expertise in VA-specific requirements.
Refinance Loans
Refinance loans help homeowners lower rates or adjust loan terms. We analyze current market conditions to identify savings opportunities. Our process emphasizes transparency, ensuring clients understand all financial implications before proceeding.
Reverse Mortgages
Reverse mortgages enable seniors to convert home equity into income. These loans are tailored for retirees seeking financial flexibility. We provide detailed counseling to ensure clients fully understand terms and long-term impacts.
People
Jeff Merritt
Mortgage Planner
Jeff Merritt brings decades of mortgage expertise to Granite Mortgage, specializing in conventional and VA loans. Clients praise his responsiveness, integrity, and ability to secure complex approvals. He prioritizes personalized service, ensuring clients feel supported throughout the process.
Paige Sturgeon
Mortgage Planner
Paige Sturgeon offers 30+ years of mortgage experience, excelling in client education and problem-solving. Known for his honesty and attention to detail, he guides clients through refinancing and home purchases with clarity and patience.
Questions
What types of mortgage loans do you offer?
We offer conventional, FHA, VA, jumbo, USDA, and reverse mortgages, along with refinance and non-QM loan options tailored to diverse financial situations.
How can I start the mortgage application process?
Begin by applying online or contacting our team for a free consultation. We'll review your financial profile and guide you through document preparation.
Do you offer competitive interest rates?
Yes, our rates are consistently competitive, and we work to secure the best terms based on your credit profile and market conditions.
Are there down payment assistance programs available?
We provide down payment assistance options and can help you determine eligibility based on income, location, and other factors.
How long does the mortgage approval process take?
Approvals typically take 30-45 days, though we expedite processing for qualified borrowers and streamline documentation requirements.
Can I refinance my existing mortgage?
Yes, we specialize in refinancing solutions to lower rates, reduce payments, or access home equity while ensuring clear communication throughout the process.
