First-Time Home Buyers

"We met David and Rakesh at Insider Mortgage back in 2012 when we were relocating from San Francisco and buying a house in San Diego County. A real estate agent introduced us to David, and since then, we've completed at least half a dozen transactions total, from purchases to refinances. They work really well as a team. If I can't reach David, I can always get Rakesh. They're very communicative, and I never have to worry about updates. They provide clear guidance on mortgage options, interest rates, and buy-down programs, making every home purchase or refinance straightforward. They tell me what’s going on, both the good and the bad, and they put everything in writing, which makes the whole process smooth and seamless. Even after closing, they check in to make sure everything is settled and I don’t feel forgotten. I’ve recommended them to friends and colleagues looking for a reliable San Diego mortgage lender, and I would absolutely reach out to them again for future home purchases or refinancing. Their combination of knowledge, communication, and follow-through makes them stand out among mortgage professionals in the area."

"When I was looking for a mortgage broker in Orange County, my friend recommended Rakesh at Insider Mortgage, and I reached out to him even before I started looking for a house just to understand the process. Even when I wasn’t ready to buy or commit, he was happy to spend time going over everything without any catches. He communicated clearly, responded quickly to questions over text or email, and was flexible almost any time of day, even on weekends. We were selling one house and buying another, and he helped us understand what made the most sense and how the overall home loan process works. I could tell the advice he gave was honest and truly aimed at helping me, not just making a sale. He even provided worksheets that broke down my monthly payments and showed exactly how the numbers were calculated. The entire home loan experience with Rakesh was far better than my previous lender when I bought new construction. With other lenders, someone else would answer the phone, and it could take a day or more to get a response. Even when he was busy, Rakesh would send a quick message to let me know he would follow up. There is no comparison in terms of service, availability, and guidance during a big transaction like this. He doesn’t just do the basics; he gives you everything you need to make smart, confident decisions. It was such a positive experience that I’ve already recommended him to my cousin, who used him for a refinance last year."

"My wife and I have had great experiences working with David and Rakesh at Insider Mortgage. They helped us buy our first house and guided us through all the paperwork, numbers, and financing. We started with an FHA loan, which required two loans with PMI, and they confidently planned how we could refinance into a conventional loan after six months. When the time came, they helped us refinance. Since we no longer had to pay PMI, we saved money and the process was easy. Since then, we’ve refinanced several times with them. Their strategy of paying down principal through refinancing while slightly lowering interest rates was new to us but very effective. David and Rakesh are always communicative, letting us know exactly what documents we needed and how to connect with them by call or text. They also research different loans and points to match your goals. We’d definitely go back to Insider Mortgage and would recommend them to anyone in the San Diego area looking to make smart mortgage decisions."

"Working with David was an excellent experience. He took the time to thoroughly explain the loan process and went above and beyond by creating videos to help break down the numbers in a simple and understandable way. I truly appreciated his patience, transparency, and willingness to answer every question. He carefully reviewed different options with me and showed possibilities on how I could save money, which made me feel confident in my decisions. Throughout the process, he was professional, knowledgeable, and genuinely cared about helping me find the best financial option. I highly recommend him to anyone looking for a lender who is honest."

"I was introduced to David at Insider Mortgage by our realtor when we first purchased a home in San Diego. Since then, we've refinanced three different times with them, and it's been a positive experience every time. The guys work around the clock and are convenient, working with my strange schedule to make sure everything happens when it needs to. They're reachable by phone or email, and they seem to be trustworthy and solid guys. What stands out is their approachability and how thorough they are with their spreadsheets and numbers, really doing the math for you and breaking down what financially makes sense. They walked me through the refinancing process and properly explained it so I always knew what was going on. They're very easy to get a hold of, which is important. If I decide to buy or refinance again in the future, David would definitely be the person I'd call or recommend to others."