From Application to Keys and Beyond

26 Years of Mortgage Experience Helping Families Win in Today’s Market

In today’s competitive housing market, choosing the right mortgage lender can make the difference between stress and success.

With over 26 years of experience, Andre Enriques has built his reputation on one simple philosophy:
Put clients first and deliver results and do it fast.

As the mortgage industry has evolved and become more digital and competitive, Andre has stayed ahead by combining elite customer service with modern marketing, speed, and transparency.

A Mortgage Strategy Built Around You

Andre believes buyers should purchase when they are financially qualified, not when media headlines try to time the market.

His approach is simple and powerful:

Secure the home when the opportunity is right

Improve the payment later through refinancing when rates drop

Focus on long-term wealth building through homeownership

Helping Veterans, First-Time Buyers, and Seniors

Throughout his career, Andre has helped thousands of Veteran families achieve the dream of homeownership, even when they felt it was out of reach.

He provides:

Credit improvement guidance

Strategic loan planning

Clear communication from application to closing

Ongoing support throughout the life of the loan

He also assists first-time buyers and seniors exploring reverse mortgage solutions to improve their financial stability.

Why Clients Choose Andre

Clients consistently trust Andre because of his:

Competitive interest rates
Speed and attention to detail
Honest and transparent advice
Empathy and professionalism
Commitment to closing on time

His goal is not just to close loans:
It is to become his clients’ trusted lender and financial guide for years to come.

If you are considering buying, refinancing, or planning your next real estate move, now is the time to take action.

Contact Andre Enriques today to begin your path to successful homeownership 619-208-6499.

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Veterans Can Buy a Home with zero Down

If you’re a Veteran or active-duty service member living in San Diego County, buying a home may be more achievable than you think, especially with a VA home loan.

Every week, I speak with Veterans who believe homeownership is out of reach because they think they need:

Perfect credit

A large down payment

Extremely high income

The truth?

VA loans were designed to remove those barriers.

What Is a VA Home Loan?

A VA home loan is a mortgage benefit earned through military service and backed by the Department of Veterans Affairs. It’s one of the most powerful home financing options available—yet many eligible Veterans don’t fully understand how it works.

Key Benefits of VA Loans

$0 down payment options available

No monthly mortgage insurance

More flexible credit guidelines

Competitive interest rates

The VA benefit can be used more than once

For Veterans buying in San Diego, Chula Vista, Imperial Beach, Spring Valley or surrounding areas, these benefits can make the difference between renting and owning.

Why VA Loans Are Ideal for San Diego Homebuyers

San Diego is a competitive housing market, but VA loans remain one of the strongest purchase tools available.

Contrary to popular belief:

VA offers are just as strong as conventional offers

Sellers can and do accept VA financing every day

VA appraisals are designed to protect Veterans—not kill deals

With the right lender and proper structuring, VA buyers can compete successfully—even in tight markets.

Common VA Loan Myths That Stop Veterans from Buying

Many Veterans delay homeownership because of misinformation.

Let’s clear up a few things:

Myth #1: You need perfect credit
→ VA loans allow more flexibility than most loan programs.

Myth #2: You can only use your VA benefit once
→ Many Veterans use their VA loan multiple times.

Myth #3: VA loans take too long to close
→ With the right lender, VA loans can close on time.

If you’ve been told “no” before, it doesn’t mean you don’t qualify, it may mean the lender didn’t understand VA guidelines.

Who Qualifies for a VA Loan in San Diego?

You may be eligible if you are:

A Veteran

Active-duty service member

National Guard or Reservist

An eligible surviving spouse

Eligibility is often simpler than expected, and a quick conversation can usually determine next steps.

Why Working with a Local VA Loan Expert Matters

VA loans are not one-size-fits-all. They require experience, attention to detail, and an understanding of how to structure loans correctly, especially in California.

Working with a local San Diego VA loan specialist helps ensure:

Accurate pre-approvals

Strong offers real estate agents trust

Smooth appraisals

On-time closings

Experience matters, especially when using a benefit you earned.

Thinking About Buying or Refinancing with a VA Loan?

Whether you’re:

A first-time homebuyer

Moving up to a larger home

Relocating within San Diego County

Refinancing to improve your financial situation

A short phone call can give you real answers, not assumptions.

Many of my VA clients start with one simple question and end up realizing homeownership is closer than they thought.

VA Loans Are a Benefit You Earned—Use It the Right Way

Your VA loan benefit is one of the most valuable financial tools available to you. The key is working with someone who understands how to use it correctly.

If you’re a Veteran in San Diego, Chula Vista, Imperial Beach, Spring Valley or nearby communities, and you’re curious about your VA loan options, a conversation can make all the difference.

Sometimes the only thing standing between you and a home is clarity.

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Disabled Veterans Win Big

The Benefits of VA Loans for Veterans Receiving Disability Compensation

For Veterans who have honorably served our country, homeownership can be one of the most meaningful milestones after service. Fortunately, the VA home loan program offers powerful benefits, especially for Veterans who receive service-connected disability compensation. These benefits can make buying or refinancing a home significantly more affordable and accessible.

Below is a closer look at why VA loans are an exceptional option for Veterans with a disability rating.

No VA Funding Fee

One of the biggest advantages for Veterans receiving VA disability compensation is exemption from the VA funding fee.

The VA funding fee is a one-time cost typically added to VA loans to help keep the program running. However, Veterans who receive service-connected disability compensation or are eligible to receive it are completely exempt from this fee.

Why this matters:

• Saves thousands of dollars at closing
• Reduces the overall cost of the loan
• Makes homeownership more affordable upfront

No Down Payment Required

VA loans allow eligible Veterans to purchase a home with zero down payment, even when receiving disability income.

Benefits include:

Easier path to homeownership

No need to drain savings or retirement funds

Ability to keep cash on hand for emergencies or home improvements

For Veterans living on a fixed or disability-based income, this flexibility can be life-changing.

Disability Income Can Be Used to Qualify

VA lenders can count VA disability compensation as stable, reliable income when qualifying for a loan. Since disability compensation is non-taxable, many lenders will “gross up” the income by 25%, meaning it can be treated as a higher equivalent income for qualification purposes.

This can help Veterans:

Qualify for a higher loan amount

Meet debt-to-income requirements more easily

Secure better loan terms

Competitive Interest Rates

VA loans typically offer lower interest rates compared to conventional loans & FHA Loans. Because the loan is backed by the Department of Veterans Affairs, lenders take on less risk and can pass those savings on to borrowers.

Lower interest rates mean:

Lower monthly mortgage payments

Significant long-term savings over the life of the loan

More Flexible Credit Guidelines

VA loans are known for being more forgiving when it comes to credit history. While lenders still review credit, VA guidelines focus more on overall financial stability than just a credit score.

This is especially beneficial for Veterans who may have experienced financial challenges during or after their transition to civilian life.

Limited Closing Costs

The VA limits what Veterans can be charged in closing costs, and in many cases, sellers can pay a portion of those costs.

Combined with the funding fee exemption for disabled Veterans, this can dramatically reduce out-of-pocket expenses at closing.

Protection During Financial Hardship

The VA loan program includes built-in protections if a Veteran experiences financial difficulty. VA loan servicers are often required to work with borrowers to find solutions such as repayment plans or loan modifications.

This added layer of support can provide peace of mind, especially for Veterans living with service-connected disabilities.

Final Thoughts

For Veterans receiving disability compensation, VA loans offer unmatched advantages from zero down payment and lower interest rates to funding fee exemptions and flexible qualification standards. These benefits honor a Veteran’s service by making homeownership more achievable and sustainable.

If you’re a Veteran receiving disability compensation and considering buying or refinancing a home, a VA loan may be one of the most valuable benefits you’ve earned through your service.

Contact me today to learn more 619-208-6499

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Mortgage Loans Made Easy

For many homebuyers and homeowners, the words mortgage loan can feel overwhelming. Between paperwork, credit questions, and interest rates, it’s easy to assume the process is complicated. The truth is, when done right, getting a mortgage can be simple, clear, and stress-free, with the right guidance.

After more than 25 years in the mortgage industry serving San Diego, Chula Vista, Imperial Beach, and surrounding communities, I’ve seen firsthand that the key to an easy mortgage experience is education, communication, and working with a lender who puts people first.

Step 1: Understanding Your Options

One of the biggest reasons mortgages feel difficult is that borrowers don’t always know which loan programs are available to them. Today’s market offers a wide range of solutions, including:

VA Loans for eligible Veterans and active-duty service members

FHA Loans with flexible credit and low-down payment options

Conventional Loans for primary residences and second homes

Bank Statement Loans for self-employed borrowers

DSCR Loans for real estate investors

Down Payment Assistance Programs for qualified buyers

When you understand which loan fits your goals, the process immediately becomes easier—and faster.

Step 2: A Clear and Simple Pre-Approval

A smooth mortgage starts with a strong pre-approval. This isn’t just a number on paper; it’s a clear financial roadmap.

A proper pre-approval answers questions like:

How much home can I comfortably afford?

What monthly payment fits my budget?

What documents do I need—and why?

With clear guidance and fast communication, pre-approvals don’t have to drag on. In many cases, they can be completed quickly and confidently, giving buyers an edge in competitive markets.

Step 3: Straightforward Communication

Mortgage loans become stressful when borrowers feel left in the dark. An easy mortgage experience means:

No confusing jargon

No last-minute surprises

Regular updates from application to closing

When expectations are set up front and communication stays consistent, borrowers feel confident every step of the way.

Step 4: Support Beyond the Approval

Getting approved is only part of the journey. A great mortgage experience continues through closing and beyond.

Whether it’s helping a Veteran lower their payment with a VA IRRRL, assisting a homeowner with refinancing, or guiding an investor through their next purchase, the goal is always the same: make the process smooth, transparent, and beneficial for the long term.

Why “Easy” Really Matters

A mortgage isn’t just a loan; it’s a major life decision. When the process is simplified, borrowers can focus on what truly matters: building stability, growing wealth, and achieving homeownership with confidence.

If you’re buying, refinancing, or simply exploring your options, working with a knowledgeable local lender can make all the difference. Contact me to discuss your next steps 619-208-6499

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VA Loan Myths That Keep Veterans from Buying a Home

For many Veterans and Active-Duty Service Members, the dream of homeownership is well within reach, yet too many hold back because of misinformation about the VA home loan program. The truth is, the VA loan is one of the most powerful benefits available to those who’ve served, and it’s designed to make homeownership easier, not harder.

Let’s clear up some of the most common myths that might be holding you back.

Myth #1: You Can Only Use a VA Loan Once

Truth: You can use your VA loan benefit multiple times throughout your life.
Once you’ve paid off a previous VA loan or sold the property, your entitlement can be restored. Even if you still own a VA-financed home, you may still have remaining entitlement to purchase another property, it all depends on your situation.

Myth #2: VA Loans Take Too Long to Close

Truth: VA loans can close just as fast as conventional loans and often even faster.
With an experienced VA lender who understands the process, most VA loans close smoothly and on time. The key is working with a VA Loan Expert (such as myself) who knows how to streamline the paperwork and communicate with all parties involved.

Myth #3: Sellers Don’t Like VA Loans

Truth: There’s no reason for a seller to fear a VA offer.
In reality, VA loans are backed by the federal government, meaning they’re secure and reliable. The appraisal process ensures the home is safe and sound, which protects both the buyer and seller. A strong pre-approval and knowledgeable lender make your VA offer just as competitive as any other.

Myth #4: You Need Perfect Credit to Qualify

Truth: The VA loan program is built to help Veterans, not shut them out.
Credit score requirements are more flexible than conventional loans, and lenders look at your overall financial picture, not just a number. Many Veterans with past credit challenges have successfully become homeowners through the VA program.

Myth #5: VA Loans Have Hidden Fees

Truth: There are no hidden fees and often, fewer costs than other loan types.
While the VA funding fee exists, many Veterans qualify for exemptions. Plus, VA loans don’t require private mortgage insurance (PMI), saving you hundreds each month.

Myth #6: You Can’t Buy a Condo or Fixer-Upper with a VA Loan

Truth: You absolutely can.
VA loans can be used for condos on the VA-approved list and even homes that need a little TLC — as long as they meet safety and livability standards. There are even renovation loan options available for qualified Veterans.

Final Thoughts

Don’t let myths or misinformation keep you from taking advantage of your well-earned VA benefits. The VA loan remains one of the most affordable, flexible, and rewarding paths to homeownership.

If you’re a Veteran or Active-Duty Service Member in San Diego, Chula Vista, Imperial Beach, Spring Valley, Oceanside, or the surrounding areas, my team and I are here to help guide you every step of the way, from pre-approval to closing day.

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Why You Should Use Your VA Loan Benefit

The VA loan is hands down the best mortgage loan there is. Here are some reasons why.

First, VA guarantees the loan for 100% of the appraised value of the property (technically, the loan is for the Notice of Value amount, which in most cases is the same thing). This guarantee means that the lender is willing to make the loan. The loan amount for 100% financing goes as high as the maximum amount in each county.

Veteran buyers do not have any county loan limits and can buy at whatever price point they can afford. This is huge! Which brings me to the next reason to get a VA loan:

There is no mortgage insurance. A buyer with a 700-credit score will pay about $400 per month for mortgage insurance if he puts 3% down on a conventional loan.

The rates are slightly lower in most cases. Also, underwriting standards are easier. Where conventional loans use debt-to-income ratios to qualify, VA loans mainly use “residual income.” This looks at how much money they actually have available each month after meeting normal expenses from their take-home pay. Conventional loans are typically capped at a 49% debt ratio (or thereabouts). VA loans can many times be approved above 60%-65% depending on the overall strength of the borrower.

When rates drop, refinancing is easy. VA loans offer a “streamline” refinance option, called an Interest Rate Reduction Refinance Loan (IRRRL). This allows the veteran borrower to reduce his or her rate with no appraisal, and very little underwriting of income. The primary criterion for approval is that the borrower has an acceptable payment history and that they are improving their position.

If a veteran wants to refinance and get cash out of his or her equity, there is no pricing adjustment for that process. A conventional loan will typically be about .25% higher in rate to get cash out.

For anyone who is a qualifying veteran, NOT getting a VA loan would be a costly mistake. We mainly service Chula Vista, Imperial Beach, Spring Valley, San Diego, El Cajon, La Mesa, Lakeside, Oceanside, Mira Mesa, National City, Escondido, Temecula, Murrieta, Menifee, Hemet, and surrounding areas.

Hope this helps!

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VA Cash Out Refinance

Unlock the equity in Your Home: VA Cash Out Refinance Benefits for all Veterans

If you’re a Veteran, active-duty service member, or surviving spouse living in the San Diego area, there’s a powerful mortgage option that could help you tap into the value of your home: the VA Cash Out Refinance.

Whether you’re looking to consolidate debt, pay for home improvements, or refinance a non-VA loan into a VA-backed mortgage, this program offers unique benefits designed with you in mind.

Turn Your Home Equity into Cash

With a VA Cash-Out Refinance, eligible borrowers can refinance up to 100% of their home’s value—meaning you can access cash from your home equity without needing to leave any money in the house. That’s especially helpful if:

• You want to pay off high-interest credit cards

• You’re covering college tuition or medical bills

• You need funds for home repairs or renovations

Refinance ANY Type of Loan

Have an FHA, USDA, or conventional mortgage? No problem. A VA Cash-Out Refinance lets you convert that into a VA loan and start enjoying the perks of the VA program—including potentially lower interest rates and no monthly mortgage insurance.

No Private Mortgage Insurance (PMI)

Unlike other loans that require PMI when you have less than 20% equity, VA loans don’t. That means lower monthly payments, more money in your pocket, and greater financial freedom.

Flexible Use, Simple Qualifications

You can use the funds however you see fit. Plus, VA loans are known for their flexible credit guidelines, no prepayment penalties, and protections for Veterans facing financial hardship.

Why San Diego Veterans Trust Andre Enriques Mortgage Banker – VA Loan Expert

With over 24 years of experience helping Veterans in Chula Vista, Imperial Beach, Spring Valley, National City, El Cajon, Lakeside, and greater San Diego, I specialize in VA loans that work for your life. At First Priority Home Loans, we walk you through every step and ensure you get the best terms possible—whether you’re refinancing, purchasing, or investing.

Ready to Explore Your Options?

If you’re sitting on home equity and wondering what’s next, let’s talk about how a VA Cash Out Refinance could open new opportunities for you and your family.

Call me directly at 619-208-6499
Based in San Diego | Serving all of California

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VA Loan Secrets That Can Save You Thousands

If you’re a Veteran or active-duty service member, you’ve likely heard of VA home loans—but chances are, you haven’t been told everything. Beyond the well-known benefit of zero down payment, VA loans come with hidden perks and strategies that can save you thousands of dollars over the life of your loan.

Whether you’re buying your first home, refinancing, or considering an investment, here are the top VA loan secrets most lenders won’t tell you—but you need to know.

You Can Reuse Your VA Loan Benefit—More Than Once

Many Veterans believe they can only use the VA loan once. Not true.

With restored entitlement or partial remaining entitlement, you can use it multiple times—even hold more than one VA loan under certain conditions.

Refinance With No Appraisal or Income Check (VA IRRRL)

The VA Interest Rate Reduction Refinance Loan (IRRRL) allows you to lower your rate with minimal paperwork.

Often no appraisal or income verification required. Fast, low-cost, and stress-free.

No Private Mortgage Insurance (PMI) = Huge Monthly Savings

Unlike FHA or conventional loans, VA loans don’t require PMI—even with zero down.

This can save you $100–$400 per month or more.

The VA Limits What You Can Be Charged in Fees

The VA has strict limits on what closing costs lenders can charge Veterans.

You’re protected from “junk fees,” and the 1% lender origination cap can save you big upfront.

You Can Use a VA Loan to Buy a Multi-Unit Property

Buy a duplex, triplex, or fourplex with zero down—as long as you live in one unit.

This is a powerful wealth-building move, especially in high-cost areas like San Diego.

You Can Have a Co-Borrower (But Choose Wisely)

You can use a spouse or another Veteran as a co-borrower with no impact on VA benefits.

Non-spouse, non-Veteran co-borrowers are possible but require a minimum down payment of 12.5%—know the rules.

Final Thoughts

The VA loan is one of the most powerful benefits you’ve earned through service—but like most tools, it works best when used wisely. If you’d like help navigating these advantages, I’d be honored to help.

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VA Loan Myths Uncovered: What Veterans in San Diego, Spring Valley, Chula Vista, and Imperial Beach Need to Know.

For Veterans and active-duty service members looking to buy a home in San Diego, Spring Valley, Chula Vista, or Imperial Beach, the VA home loan is one of the best mortgage options available. However, there are many misconceptions that cause some to miss out on this incredible benefit. Let’s uncover the truth behind the most common VA loan myths.

Myth #1: You Can Only Use a VA Loan Once

Truth: Veterans can use their VA loan benefit multiple times. Whether you’re purchasing your first home in Chula Vista or upgrading to a bigger house in San Diego, you can use your remaining entitlement or even restore your VA loan benefits after selling a home.

Myth #2: VA Loans Take Too Long to Close

Truth: A well-prepared VA loan can close as quickly as a conventional loan. Working with an experienced VA loan expert in Spring Valley ensures a smooth and efficient process. Many VA loans close in 21 days or less.

Myth #3: VA Loans Are Only for Single-Family Homes

Truth: VA loans can be used for condos, townhomes, and even multi-unit properties (up to four units) as long as you live in one of the units. If you’re looking to invest in Imperial Beach or Spring Valley, a VA loan can be a great way to start building wealth through real estate.

Myth #4: Sellers Won’t Accept VA Loan Offers

Truth: Some sellers mistakenly believe VA loans come with extra fees or delays, but that’s outdated information. VA loans are competitive, often requiring no down payment, making it easier for buyers to move quickly in markets like Chula Vista and San Diego.

Myth #5: VA Loans Have High Closing Costs

Truth: VA loans actually limit what buyers can be charged for closing costs, and some costs can even be covered by seller concessions. In markets like Imperial Beach and Spring Valley, this can save Veterans thousands of dollars compared to conventional loans.

Myth #6: You Need Perfect Credit to Qualify

Truth: VA loans have more flexible credit requirements compared to conventional loans. While a higher credit score helps with better terms, many lenders work with credit scores as low as 580, making homeownership more accessible in San Diego and beyond.

Take Advantage of Your VA Benefits in San Diego County

If you’re a Veteran or active-duty service member looking to buy in San Diego, Spring Valley, Chula Vista, or Imperial Beach, don’t let these myths stop you from using your earned VA loan benefits. With zero down payment, competitive rates, and flexible credit guidelines, the VA loan is one of the most powerful tools to achieve homeownership.

Ready to explore your options? Let’s connect today and make your homeownership dreams a reality 619-208-6499!

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Key Requirements for a Veteran & Non-Veteran Co-Borrower

When a veteran and a non-veteran (who is not the veteran’s spouse) apply for a VA loan together, the loan is considered a joint VA loan, and different rules apply compared to a standard VA loan. Here’s what you need to know:

Down Payment Requirement

When a non-veteran (not a spouse) is on the loan, the VA only guarantees the veteran’s share.

A down payment is required to cover the unguaranteed portion of 12.5% down.

Example: If a veteran and a non-veteran split ownership 50/50, the VA only guarantees 50% of the loan amount. The other half must be covered by a down payment.

Credit & Income Qualifications

Both borrowers must meet credit and income requirements set by the lender.

The lender will calculate combined income and debts to determine loan approval.

Loan Limits & Entitlement Usage

The veteran must have enough remaining VA entitlement to qualify.

If a previous VA loan hasn’t been fully repaid, bonus entitlement may be needed.

Occupancy Requirement

The veteran must occupy the home as a primary residence.

The non-veteran co-borrower does not have to live in the home but must qualify financially.

When Does It Make Sense to Have a Non-Veteran Co-Borrower?

If the veteran needs additional income to qualify for a larger loan amount.

If the non-veteran is a close family member or business partner helping with the purchase.

If the veteran has limited entitlement available and needs a co-borrower to strengthen the application.

Pros of a VA Loan with a Non-Veteran Co-Borrower

Allows the veteran to qualify for a higher loan amount

Combines incomes to meet debt-to-income (DTI) ratios

Competitive VA loan rates still apply

To learn more about the Veteran and Non Veteran co borrower option contact me today 619-208-6499

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