Money saving strategies

Whether buying your home or refinancing we will review money saving strategies and match you to the right home loan.”

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Navigate the home loan process

We will help you navigate the home loan process, from application through loan funding and obtaining your house keys!

Moving in

Moving in

Loan Pre-Approval

With our Loan Pre-Approval we will help you realize your vision of buying the home of your dreams.

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Contact Bert Morrison Now!

Whatever your lending needs, I can help.You can reach me at 858-485-6100 or via e-mail at bmorrison@envoymortgage.com. I look forward to serving you.

My Objectives in Serving You!

Bert Morrison

Bert Morrison

My goal is to listen to you and to learn about your financial goals over the nearer and longer term and then to match you to the home loan that helps to fulfill your goals. Whether you are looking for a purchase or refinancing, I will help position you with the right home loan. I work with a full menu of conventional, FHA, VA and “jumbo” conventional mortgage financing. I am a strong proponent of financial planning and literacy. I am a long-time member of the Financial Planning Association of San Diego and have hosted my own radio program on KPRZ and have conducted numerous seminars and forums on the home-buying process, mortgage qualification and credit scoring. I welcome the opportunity to serve you!

Recent Blog Posts

  • Surprising (Money making!) Facts about VA home loans

    The VA home loan program is truly amazing! Let us count the ways: * Veterans can purchase a home up to a price of $546,250 with NO MONEY DOWN! (in San Diego County) * “Jumbo” VA loans up to $1 million are available: EXAMPLE: $750,000 purchase price produces a VA loan of $699,000 – a 93.2% loan to value with …

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  • Setting Priorities for Reality-Based Money Management

    One of my passions -as can be seen by reading my posts -is the proper allocation of the resources granted to us, including our financial resources. In my practice I see a pattern where too few people have adequate savings and many people are overburdened with debt -debt that will keep them in some degree of “bondage” for years to …

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  • Jumbo Loan Rates Continue to Amaze

    Jumbo Mortgage rates continue to amaze – especially when compared with “conforming” loans (loans that are eligible for sale to Fannie Mae and Freddie Mac). For some time now “Jumbo” mortgage rates have been as low, or even lower than “conforming” loans. This is something that is highly unusual. I think there are several reasons for this – one is …

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  • Fannie Mae and Freddie Mac “Pay Back” the US Treasury

    Today I read that “Fannie Mae has now paid back the government in full for the funds received from the US Treasury” as a result of the financial crisis. On the surface this looks to be correct: As of this March Fannie Mae will have repaid the US Treasury $121 billion and Freddie will have repaid about $71 billion. However, …

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