Why You Should Shop Rates

At Prospect Financial Group, we post our rates online, 24 hours per day with our live quote generator: www.prospect-quote.com. This is not a common offer for lenders (usually they want to get you on the phone), but we believe that transparency in lending is the future. Why should you need to speak on the phone, or hand over a plethora of personal information to simply check market rates? You shouldn’t. Rates are public knowledge, and we strive to make them as accessible as possible. 


We do not pressure you to pay upfront costs (we don't have any) and we urge you to shop around for the best rate even after we quote you. We know that the more homeowners that do this, the better position Prospect Financial will be in. We have nothing to hide. In fact, we have some of the best rates to show off.



At the end of the day, we all offer the same types of loans when it comes to mortgage-backed securities. We all fish from the same pond. Whether it’s a Fannie Mae or a Freddie Mac loan, a government loan (VA, FHA), or a non-conforming loan (Jumbo, Non-QM, Reverse Mortgages), we all have the same products and the same underwriting standards… So be sure to shop around! We tend to beat retail rates with our wholesale ones, saving you thousands of dollars in fees and tens of thousands of dollars in interest.


Many of our loans come with $0 closing costs, and with this refinance you will have a 30 day payment deferral allowing you to skip 1 month’s mortgage payment.


There are no pre-payment penalties on our loans which means, hypothetically, if rates fall 6 months after we refinance, we could do this again at $0 cost. It also allows you to pay more toward your principal each month or pay the loan off early.


To expedite the approval process, please fill out our easy Online Loan Application to get the process started and finished within 15-18 business days (or sooner). If you have any questions or have any trouble locating any of the information for the loan application, please don’t hesitate to contact me.  Even if you’ve already submitted an application elsewhere, it certainly doesn’t hurt to have a side by side comparison. There is no cost and nothing to lose in having us process your loan to ensure you get the best deal. 


You can also call me at 858-605-0952 if you’d like to see any other rate options. Thank you!


Jason Vondrak


Prospect Financial Group

948 Garnet Avenue

San Diego, CA 92109

NMLS: 349089 | BRE: 01837707

Jason Vondrak has been in the mortgage industry since 2004 and co-founded the mortgage brokerage Prospect Financial Group in 2006 in San Diego, California. Today he serves as President and CEO of Prospect Financial Group and the president and founder of Prospect Property Group, a real estate development company, established in 2012.

"I've had the privilege to serve in an industry that exists to ensure homeownership remains among the top priorities of government and citizens alike. Over the years, it has been a pleasure working alongside homeowners, real estate professionals, and business associates combining efforts and teaming up to help homeowners realize the dream of home ownership."

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