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- Land loans
- Non owner-occupied land
- Owner-occupied single family
- Specialty loans
Overview
Rafie Sahial is a dynamic and accomplished entrepreneur, wholesale sales specialist, mortgage loan and realty expert, and business development professional based in San Diego. With over 22 years of experience in the industry, Rafie has honed his skills and expertise in wholesale mortgage loans for refinancing and purchasing in California, making him a go-to expert for clients seeking top-tier services.
Driven by self-motivation and a passion for setting and achieving goals, Rafie has accomplished many significant milestones in his personal and professional life. He established his own company at the young age of 24 and bought his immigrant parents their dream home just two years later, a testament to his entrepreneurial spirit and dedication to his family.
With a wealth of experience in managing, training, and guiding teams of over 115 employees, Rafie has developed highly adaptable and quick-thinking skills that enable him to continually learn and grow while sharing his knowledge with those around him. His deep understanding of the industry and his clients’ needs has made him a trusted partner for individuals and businesses seeking to navigate the complex world of mortgage loans and realty.
When he’s not working, Rafie enjoys exploring different cultures, cooking, staying active through sports and gym workouts, and traveling the world. With his passion for adventure and expertise in his field, Rafie is the perfect partner for clients seeking a professional, experienced, and results-driven expert in the mortgage and realty industry.
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Cashout refinance loans
Conventional loans (Fannie/Freddie)
FHA / HUD loans
HELOC / Stand-alone 2nd mortgage
Jumbo / super jumbo loans
No cash out refinance loans
Reverse mortgage
USDA loans
VA loans
2nd position loans
Assets depletion loans
Bridge loans
Cashout refinance
Conventional loans
First position loans
Fix and flip loans
HELOC / Stand-alone 2nd mortgage
No cash out refinance
Cash-out refinance land loans
Land development loans
Refinance land loans (no cash out)
Purchase - seller financing, owner financing
Foreign national loans
Land loans
Non owner-occupied land loans
Owner occupied loans
Specialty loans
Mortgage Blog | San Diego Mortgage Broker | MTG Wholesale
Wholesale mortgage rates and retail mortgage rates differ in how they are obtained and who they are available to. Wholesale mortgage rates are typically offered to mortgage brokers or lenders who then sell them to borrowers. These rates are often lower than retail rates because they are negotiated in bulk and allow brokers to add their own fees and commissions. On the other hand, retail mortgage rates are offered directly to borrowers by banks or lenders. These rates may be slightly higher than wholesale rates because they include the lender's fees and profit margin. Additionally, retail rates are typically more transparent and easier to compare, while wholesale rates may vary depending on the broker or lender.