VA and FHA Home Loan Experts!
Andre Enriques Mortgage Banker - VA Loan Expert specializes in assisting Veterans with $0 down VA insured home loans and non-military members to secure low-down government insured mortgage loans in Chula Vista and in San Diego. We offer affordable homebuying loan options for active-duty service members, military Veterans and their families. I'm a VA approved mortgage loan specialist who prides himself in offering 5-star service and who has been serving our military community and their families for over two decades. In addition, we have access to many loan programs to help nonservice members purchase a home with little to no money down. We are a DBA of Anchor Funding, Inc. and serve all of San Diego County, Chula Vista, Imperial Beach, Carlsbad, Santee, Lakeside, La Mesa, El Cajon, Camp Pendleton, Miramar, Mira Mesa, Point Loma, Murrieta, Temecula, Menifee, Los Angeles, and surrounding areas.
Why Choose a VA Home Loan?
VA home loans come with a range of benefits that set them apart from conventional loan options:
No Down Payment: Purchase your home without the burden of a large upfront payment. (with full entitlement)
No Private Mortgage Insurance (PMI): Enjoy significant monthly savings compared to conventional loans.
Competitive Interest Rates: Access lower rates, tailored to meet your financial needs.
Flexible Credit Requirements: VA loans are designed to work for you, even if you have less-than-perfect credit.
Streamlined Refinancing Options: Take advantage of the VA IRRRL (Interest Rate Reduction Refinance Loan) to lower your interest rate and save thousands over the term of your loan.
I've been providing VA home loans for Veterans and assisting non-service members in Chula Vista and San Diego CA for over 25+ years and look forward to providing you the honesty, integrity, and professionalism you deserve.
To learn more about homes loans for veterans in Chula Vista or San Diego, visit our VA Loans page!
We also offer many other home loan products with no lender fees on most loan programs **appraisal, credit report, and third-party fees apply** This can save you anywhere from $995-$2,000 in fees alone. (excluding down payment assistance loan programs and Non-QM loans). Once you find the perfect home, allow us to help you quickly find the perfect mortgage loan.
In addition, we have many refinance home loan options to help you save money on your mortgage loan and/or overall savings by paying off high interest debt. Click here to use my easy form or call me for details. If you're a Veteran and are in need a cash out, you can in some cases access up to 100% of your home equity with a VA cash out refinance. On average we're able to pre-approve you within 24-48 hours and close VA, FHA, and Conventional mortgage loans within 21 days!
Contact us today to begin your pre-approval process!

Local Loan Options
Whether you're a first-time home buyer looking to buy your first home in Chula Vista or in San Diego, purchasing your dream home, refinancing an outstanding loan, or consolidating debt; I'm here to help you take that first step towards your financial goals.
Once more, we specialize in VA loans for qualified Veterans, FHA loans, and many, many more loan products.