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A Family-Driven Mortgage Solution in San Diego

Groves Capital is a family-owned mortgage brokerage headquartered in San Diego, California. We pride ourselves on offering a comprehensive and personalized approach to financing your dream home or investment property. With a deep understanding of the nuanced needs of each client, we provide a diverse portfolio of mortgage options tailored to your unique circumstances.

Residential Mortgages

  • FHA Loans: Obtain low-interest rates and flexible terms for your home purchase or refinance.
  • Cal FHA Hero Mortgage: Special program for California residents offering competitive rates and reduced down payments.
  • Cal STRS FHA Loans: Streamlined financing option with flexible eligibility criteria.
  • Conventional Loans: Traditional mortgages offering stability and competitive rates.

Specialized Financing

  • 203k Loans: Upgrade, renovate, or streamline your mortgage with this innovative program.
  • Streamline Hybrid ARM: Enjoy competitive rates and flexible repayment options.
  • Interest Only Reverse Sale Leaseback: Access cash from your home equity without selling.
  • Fix & Flip Loans: Get quick access to capital for property renovations.

Investment & Commercial Financing

  • Investment Property Loans: Secured financing solutions for investors to acquire or refinance income-generating properties.
  • Commercial Refinance: Optimize your commercial property with competitive rates and flexible terms.
  • AirB&B Mortgage: Tailored financing options for vacation rentals.
  • DSCR Fix & Flip: Access funding based on the value of your real estate assets.

Additional Services

  • Bank Statement Loans: Designed for self-employed borrowers with non-traditional income verification.
  • Jumbo Loans: Financing options for high-value properties.
  • Stated Income Loans: Flexible credit qualifications based on income documentation alternatives.
  • 1031 Exchange: Tax-advantaged exchange of one property for another.

Why Choose Groves Capital?

  • Experienced Team: Our seasoned mortgage professionals have extensive knowledge and expertise in the industry.
  • Personalized Service: We take the time to understand your unique needs and goals.
  • Wide Range of Options: We offer a vast array of financing solutions to meet your specific situation.
  • Competitive Rates: We negotiate competitive rates for our clients.
  • Streamlined Process: Our online platform simplifies the application and documentation process.
Reviews
Positive: The reviews highlight the company's professionalism, efficiency, personalized attention, and exceptional customer service.
Negative: One reviewer expressed frustration with the company's persistence in calling them to refinance their home, despite being told multiple times that they were not interested. The reviewer also accused the company of being "shady" and "messy".

Professionalism and Efficiency

Groves Capital has been highly praised by its clients for its professionalism and efficiency. According to the reviews, the company's loan officers have been incredibly professional and efficient in their work, providing seamless service and the best possible rates. They have also been praised for their excellent communication and support throughout the loan process.

Personalized Attention and Knowledge

Many clients have commented on the personalized attention they received from Groves Capital's loan officers. They have been praised for their knowledge and expertise in finding the right solutions for their clients' mortgage needs. The loan officers have been described as knowledgeable, experienced, and passionate about their work, and have taken the time to explain the process and answer clients' questions.

Exceptional Customer Service

The reviews also highlight the exceptional customer service provided by Groves Capital. Clients have praised the company's staff for being friendly, helpful, and responsive to their needs. They have also appreciated the company's willingness to go the extra mile to ensure that their clients receive the best possible service.

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