We have 2.25% 30 years Fixed Rates avaliable, need a Quote or if you have any questions call
We are your VA Loan specialists, based in Encinitas, CA. With 28 years of experience, we specialize in VA Refinance, VA home loan, Cash-out, IRRR Loans in California and Colorado. We also serve the surrounding cities in San Diego County. BrightPath Funding Inc. can help you realize your dream of homeownership or save you money when getting your new lower monthly payment.
With the IRRRL/Streamline Program you can deffer two house payments and receive your escrow money back.
We offer a wide range of refinance options, designed to best meet the needs of local borrowers. If you're looking for cash out, or to just get a better rate and term, we can assist you. We offer the following Refinancing Programs:
What makes BrightPath Funding Inc. unique is that we offer the following niche programs as well: VA cash out, VA IRRRL, VA debt consolidation, VA refinance, Bank Statement home loan.
Abel & I like making good decisions! We are glad we choose your company to refinance our VA loan . By far this was the easiest/simplest refi we have ever done. You and Joe answered our questions and communicated with us each step of the way to closing. Also your follow-up calls & e-mails was appreciated. If we were to rate your customer service, it would be a TEN (from 1 to 10). Your were correct in saying that Veterans received many flyers from companies wanting our business to refinance with them. In fact, we received another one today. The flyers we received all said the same information but the reason we called you back was because you followed up with an e-mail telling us we the rates dropped. After this refi we will no longer be looking for a future refinance loan as we accomplished our goal: to lower our monthly payment (2.75% the lowest ever) & to leave the living spouse an affordable payment (when that should happen). Abel & I want to thank you for making this a good experience. Again thank you so much for helping the Veterans and us. Elizabeth & Abel
David: Thank you for the outstanding service you and your team provided. Your services were head and shoulders above the service we experienced with the previous broker we worked with. We will want to revisit further refinancing to reduce our payment and you will surely be our number one choice. With the holidays coming we pray that you will have a wonderful end of the year and we hope to hear from you late spring or early summer. God Bless and take care. Joseph and Karen
My wife and I were both receiving Social Security, but our monthly expenses were beginning to exceed that income. I first heard of a reverse mortgage through the news and thought it may be an option. We needed to increase our monthly income in order to make our mortgage payments. I did have a lot of questions and once I started speaking to my loan officer my misconceptions were overcome. At that time I knew this was not a scam, but an option for my wife and I.
I just wanted to thank you for the tremendous service you have provided to me and my clients over the past year. Each one has been different, and you have worked through the challenges of each one, with great skill and diligence.I know in some cases, you have performed near miracles, and in my mind "you walk on water". I am especially proud of the work we have done together for our Veterans.Thank you for all you do and thank you for attending the closings (and taking those happy pictures!). I know that between us, our clients know and FEEL that they have been truly served. Be sure to send KUDOS to the team at Brightpath!!
Hi John, I can't imagine how you can improve in any way. You have been the most pleasant of all the agencies I have ever worked with. You answer my calls and e-mail immediately and never give me incorrect information. This has been a completely frustration-free transaction in every way and completed so quickly. I am just so sorry that Freedom Mtg. was so difficult to work with for your company. I would NEVER recommend them to anyone. Again, John, thank you for all your hard work and patience with me. You are truly a professional and your company should be very proud of your work. From a grateful veteran and proud sister of a Marine Missing in Action. Mary E. B. 7xxxxx Arbor Glen Rd. Palm Desert, CA 92211
Hey just called to talk to your supervisor. I just want to let him/her know what a wonderful job you did and that you went above and beyond working with me!!!!Thank you so much the whole team was wonderful.
I felt like Richard was "on top of" my application at all times. He spoke with me about the progress of my application nearly every day, often discussing better options than the ones I had originally sought. He demonstrated an excellent knowledge of the home loan market, and a substantial network of business relationships that he could call upon to assure the expeditious handling of my application. All this was very important to me. I never questioned Richards honesty and integrity going into this process. I expected him to be truthful and to adhere to ethical business practices -- which he did. What I didn't expect was to be treated like I was Brightpaths only client. I know I wasn't, be he made things happen on my behalf. I never felt insecure about the status of my application, or concerned that it was languishing in someone's "incoming" basket. It was processed and approved faster and smoother than any of my previous home loan applications. If I have need for Brightpath Lendings professional services in the future, I will definitely call on them, and I will advise others to do so as well. He is, and I have no doubt will continue to be, a credit to his industry.
Hello, my name is Jeff. and I just wanted to thank you for providing such a wonderful staff with great insight, knowledge, motivation, and commitment. In lieu of tough times in terms of market and economy, I had several concerns and considerations when choosing a refinance company and refinance options. I did not simply call and choose your company first. I actually called several companies to be taken off their mailing lists and when I spoke to Justin Johnson he not only fulfilled my response but gave me a brief option with pure confidence and competence which resulted in me calling him back within that same week to pursue the refinancing of my home. I am very knowledgeable and have a background in real estate and mortgage services they not only answered all of my questions with integrity but taught me several new things during the process. It was a pleasure doing business with your company, and I appreciate all the services rendered.
I had been trying to accomplish the same transaction with another mortgage broker, but the process was going nowhere, as I seemed to be encountering one road block after another. However, once I was introduced to Richard, all of that changed. The entire process was flawless and easy and without stress. Richard was quickly able to assess my situation and simply said, “We’ve go this and we are going to close in 30 days or less.” From that point on, I rested easy until attending the closing, again flawless and without surprises. I would highly recommend Brightpath for any mortgage business anyone might be contemplating.
They answered all my emails and calls promptly. The closing costs was the cheapest I found. Overall he is very easy to deal with and I would definitely recommend them to my friends.
I would like to express my sincere thanks to Brightpath and Richard for his effort in refinancing our home. Richard delivered on his promise and kept the entire process very transparent. He communicated effectively and provided updates as necessary throughout the life cycle of the process. The most important thing is that in the time period when the consumer confidence in mortgage lending entities is very low, Richard gained our trust by ensuring we felt comfortable with the process and meeting his commitments to close the deal. I am looking forward to working with Richard and Brightpath in the future and will send my friends and family to them.