11622 El Camino Real #100, San Diego, CA 92130

#1 Zillow Mortgage Lender in San Diego, CA

Top 10 US Mortgage Lender on Zillow.com for 4 Years. #1 in Carmel Valley and all of Southern California Don't...

Carmel Valley's Best Mortgage Lender

Carmel Valley's Best Mortgage Lender - Top 1 % Nationally by Scotsman Guide and Origination News Don't...

No Closing Cost Mortgage & Refinance

No Closing Cost Mortgage & No Closing Cost RefinanceAre high closing costs keeping you from refinancing your...

15 Year Carmel Valley Mortgage Rates

Low 15-Year Mortgage RatesFind out how low your 15-year mortgage rate can be and pay much less interest...

30 Year Carmel Valley Mortgage Rates

Low 30-Year Mortgage Rates Find out how low your 30-year mortgage rate can be and pay much less interest...

Carmel Valley Mortgage Lender

Loan Rebate, Inc. is a Top 10 US mortgage lender on Zillow.com, the leading real estate website for mortgage brokers. We have thousands of satisfied customers, with over 140 5 Star Reviews for: Responsiveness, Knowledge, Helpfulness & Follow Through.
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Carmel Valley refi

Start Saving Money Today!

Loan Rebate has saved our clients over $32,500,000 since 2003 on their home loans.Carmel Valley refinanceClients have saved on average $25,000 on a $400K home loan. How? No closing cost refinance and low mortgage rates. Why work with us? Professional, service oriented and timely with 100% transparency. We are CPA's with over 20 years in all aspects of real estate, top ranked by Zillow, Scotsman Guide, and Origination News.

Loan Rebate was fantastic! I was a little skeptical at first no going directly to a bank for my mortgage. But he was more informative than the last two banks I have used and way more responsive. He explained every little line item on the documentation and was even able to respond to my questions on weekends. And here is the bottom line on how I know I got a great deal. When the mobile notary came to my house, we of course went through page by page for signatures. When we got to the interest rate vs APR page, she was like "Wow! I have never seen the APR that close to the base interest rate. You got a great loan!" That says it all for me. My deal is closed; I got my refunds; all is good.
Mortgage Refinance, Carmel Valley, San Diego, CA
I was recommended to Loan Rebate by three friends. The company was wonderful. David Chin answered all my questions clearly and completely. He was very responsive to calls and emails. He kept me updated every step of the way either via a phone call or email.

This was one of the easiest refinances I have ever done. The entire process from start to finish took only 3 weeks. I highly recommend this company to anyone looking to refinance.
Mortgage Refinance, North Park, San Diego, CA
This is my 6th refi, and hands down Loan Rebate is the best that I have worked with. They are smart, responsive, and very professional. They are fully transparent and they educate you so you understand your options. I felt like I was taken care of the entire time and didn't have to worry. Give them a try and see for yourself.
Mortgage Refinance, Solana Beach, San Diego, CA
This was my first refinance experience, and I was thoroughly satisfied with the service that Loan Rebate  provided. I have to admit that I was expecting poor service, but David always responded to my e-mails and calls within the hour. He was also extremely patient in walking me through the refinance process, and answered all my questions to help me understand each step of the process.

In addition to his professionalism and technical expertise, David is a normal guy and is easy to do business with. I would highly recommend him to anyone looking to refinance, and plan on doing business with him again.
Mortgage Refinance, Carmel Valley, San Diego, CA
This is the 2nd time dealing with Loan Rebate. Both times, the mortgage refi loan terms at closing was what he promised without any significant change. First time we had a very tight closing deadline, but he was able make the mortgage loan fund in time. He is very efficient and honest.
Carmel Valley Refi , Carmel Valley Refi
Working with David Chin on our mortgage loan was an absolute pleasure. A family member referred me to him with glowing reviews, and he didn't disappoint. He actively kept us informed throughout the process, and the mortgage loan closed exactly as promised. What a relief there are still honest people in this industry.
Mortgage Refinance , Valley Center, CA

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