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We process, underwrite, and fund our
loans in-house. No middle man!


FOR ROYAL SERVICE, CALL THE HOME LOAN QUEEN!

Service with Integrity…First!

POWERED BY:

Integrity 1st Mortgage was founded on the belief of Service with Integrity First. We believe when we treat people with respect and integrity, we will be successful. It is gratifying to be a loan officer for my family’s business. My father has been dedicated to innovative lending for 40 years, and I am delighted to see the depth of what we offer our community. Yes, we provide mortgage services for all types of needs, but it goes deeper. We provide the “Mom & Pop” shop approach to home lending, focusing on pre-planning strategies to qualify for home ownership. When you choose our company, you gain a personal relationship in which I am committed to go above and beyond to meet your expectations. At the same time, I aim to create a pleasant experience for my customers. The support from our in-house processors, underwriter, and funder truly sets our company apart. I do business by referral. As I am working hard for my clients, they do me the honor of sharing their positive experiences that come from working with me and the whole team at Integrity 1st Mortgage. Our commitment is to provide Service with Integrity First.

Home Buying Process

1

Self
Assessment

2

– Pre-approval
– Find an agent

3

– Open Escrow
– Get an appraisal

4

Loan
Qualification

5

Home
Inspection

6

Closing /
Settlement

The Loan Process

1

Loan officer submits complete loan package.

2

Processor orders appraisal and reviews file.

3

Receive appraisal and submit to underwriting.

4

Receive loan approval and U/W issues conditions.

5

Borrower submits documents to clear conditions for clear to close.

6

Borrower signs loan documents with Escrow. We in-house fund the loan.

Our Guarantee

We guarantee that your lender fees will match or be lower than the total amount quoted on our Good Faith Estimate of Closing Costs. That’s right, we absolutely guarantee that at closing your total lender fees (such as flood certification, loan document preparation, loan processing fee, loan underwriting fee, tax service and recording fees) will be the same or less than those shown on our Good Faith Estimate to you!

Client Testimonials

My fiancé and I went through Integrity 1st Mortgage and used Elana as our loan officer to purchase our home. We were first time home buyers. Elana worked very efficiently and was very responsive to our phone calls, texts and emails. She closed escrow in 21 days for us and helped in any way she could in the process. Thanks Elana!

Ashley S.

My fiancé and I went through Integrity 1st Mortgage and used Elana as our loan officer to purchase our home. We were first time home buyers. Elana worked very efficiently and was very responsive to our phone calls, texts and emails. She closed escrow in 21 days for us and helped in any way she could in the process. Thanks Elana! My fiancé and I went through Integrity 1st Mortgage and used Elana as our loan officer to purchase our home. We were first time home buyers. Elana worked very efficiently and was very responsive to our phone calls, texts and emails. She closed escrow in 21 days for us and helped in any way she could in the process. Thanks Elana!

John K.

Hi Elana,
Just wanted to thank you for all the work you did on our loan. I know it wasn’t always easy. You made numerous trips to our house to make it easier for us and you swiftly replied every time I had a question (and I know there were many)! I would recommend you and your company anytime. You’re the best and you can tell your Dad, we said so! Thank you.

- Wilma Anderson

“For the most expeditious and professional service in San Diego County and beyond, Elana is the answer. Elana met and exceeded all expectations on so many levels. Her determination and level of expertise helped me understand the real-estate world that much more. One word- #GREAT!!”

- Tony C.