How Much Do You Actually Need Down to Buy in California?
Most first-time buyers in California are waiting to save an amount they don't actually need. Here is what the programs really require, and what matters more than the down payment.
Read MoreWhether you're buying your first home, upgrading to your next, refinancing, or investing in real estate, the right mortgage should support your financial goals—not limit them.
At Flagstick Financial, we take a strategy-first approach to lending.
With nearly 20 years of mortgage experience and access to a network of trusted wholesale lending partners, we help you compare financing options and build a loan strategy that's tailored to your situation—not a one-size-fits-all solution.
From straightforward purchases to complex income scenarios, we're here to simplify the process, explain every option, and guide you with confidence from application to closing.
Plain-language guidance on financing in San Diego and across California.
Most first-time buyers in California are waiting to save an amount they don't actually need. Here is what the programs really require, and what matters more than the down payment.
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San Diego has one of the largest military populations in the country, and the VA loan is the strongest financing benefit available to any borrower. It is also the one most often left on the table.
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If you own your business, the number on your tax return is not the number you actually live on. Here is how San Diego lenders can be made to see the difference.
Read MoreWe take the time to understand your financial goals before recommending a mortgage strategy.
With access to multiple lenders and a wide range of loan programs, we help you find the financing solution that best fits your situation.
From application to closing, you'll receive proactive communication, honest guidance, and expert support every step of the way.
We're not here for one transaction. We're here to become your trusted mortgage advisor for years to come.
We had a great experience with Ted Bracker and will definitely be using his services again. We highly recommend him and have passed along his name and number to our friends and family. He was extremely prompt with everything and very thorough! Thank you for helping us find the best rate and a very honest price. We had a loan officer friend (out of state who doesn't do loans in the state I live in) look through our paper work and she told us we were getting an awesome deal, which we already knew. It's nice to have someone we trust in the loan industry, Ted Bracker is our new loan officer...for life.
Going through the mortgage process as a first time home buyer is a daunting task, there are so many ins and outs. It was such a relief to work with Ted, he explained the timeline and was always willing to answer my many, many questions. I was confident in the numbers he provided and there were never any hidden fees or surprise costs. Ted is honest, reliable and kind. I have and will always go to him first for my home financing needs.
Ted is wonderful to work with! I had a few road blocks that came up on my end for the re-fi, so the process took longer than anticipated, however, Ted remained positive and stuck with me the whole way through. He was very responsive to all of my questions and needs and kept me informed every step of the way. I would highly recommend him!
Ted was amazing in helping me on the financial side as I purchased my first house. He called me regularly throughout the process to let me know all of my options and what price range would best fit me. When we were coming down to the final days before I closed, Ted worked tirelessly to make sure everything went final right before the Thanksgiving weekend so I had plenty of time to move in. I am very appreciative of Ted's efforts and highly recommend him.
My husband and I had the pleasure of working with Ted Bracker on the refinance of our mortgage loan. I initially contacted him to get information on terms and rates, and after having a conversation with him he was able to provide great advice. He took our information over the phone, ran some numbers and got back to us right away. We submitted all needed documents and waited for the final approval. The whole refinance process was smooth and fast. Also, Ted was very prompt to answer any questions we had. We are very grateful that we got to work with him. We would highly recommend him to anyone that wants to refinance their home and definitely call him when it is time for us to purchase a new home.
We have worked with Ted on 5 separate occasions and have found him to be very knowledgeable and courteous. He has explained each transaction thoroughly and has showed a great deal of patience. Although this is a business transaction, he seems to have our best interest in mind also. I would highly recommend!
Ted was able to make my refinance an awesome experience eventhough we had a few glitches he managed to save us money and get us a combined loan at a lower rate and a lower monthly payment. I am so happy to recommend him and his team....they will take great care of you....and I even got a very nice surprise thank you gift after I signed...super sweet.
My wife and I were introduced to Ted via a family friend recommendation (I believe Ted handled his mortgage), and we were incredibly impressed right out the gate. He was extremely knowledgeable, friendly, and attentive to everything we were looking for--and on top of a reliably quick turnaround time every step of the way, he also gave us the "rate to beat" out of almost a dozen different lender options. He was up front and honest with what he could do, and will absolutely be the lender we go to in the future.
Ted is our go-to for anything lending! Been using him for years and his rates and fees, along with professionalism can't be beat. I've shopped and used other lenders in the past, but I've landed on the real deal --Now I send all of our friends and family to Ted because I know he's incredibly honest and has our best interest when looking at loans...when other lenders are struggling to close in time, he gets them CLOSED!