Maureen Martin at HomePlus Mortgage Helps San Diego County VA Borrowers Navigate VA Home Purchases, VA Refinances and VA IRRRLs

With more than 26+ years of experience, Maureen Martin helps San Diego County borrowers compare VA, reverse mortgage, purchase, second mortgages and refinance options.

San Diego, United States, October 7, 2026 -- Maureen Martin at HomePlus Mortgage, a San Diego mortgage broker, specializes in VA home loans across San Diego County. She helps eligible veterans, active-duty service members and qualifying surviving spouses compare San Diego VA home loans for home purchases and refinances, including VA Interest Rate Reduction Refinance Loans (IRRRLs).

Maureen Martin at HomePlus Mortgage compares loan programs through a wide array of wholesale lenders.

Maureen Martin, NMLS #247664, a San Diego mortgage broker at HomePlus Mortgage, helps veterans, active-duty service members and eligible surviving spouses across San Diego County compare VA home loans, VA refinances and VA IRRRLs.

VA Purchases, VA Refinances and VA IRRRLs

A San Diego VA loan may allow eligible borrowers with full entitlement to purchase with no down payment and no monthly private mortgage insurance (PMI). Requirements apply: borrowers must establish eligibility and meet credit, income and property standards, and closing costs and a VA funding fee typically apply unless the borrower is exempt.

VA refinance options include:

1. VA IRRRL: a VA-to-VA refinance that does not take cash out. It may help lower an interest rate or convert an adjustable rate to a fixed rate. IRRRLs must meet VA seasoning, recoupment and net tangible benefit requirements.

2. VA cash-out refinance: a refinance that may let eligible homeowners access equity for home improvements or debt consolidation, subject to VA and lender requirements.

"San Diego has a large military community, and many VA borrowers don't know every option their benefit offers," said Maureen Martin. "My job is to explain the choices in plain language, compare programs, and help each borrower decide what makes sense for them."

Full Range of San Diego Mortgage Services

1. Beyond VA financing, Maureen Martin offers:

2. Home purchase loans for first-time and move-up buyers

3. Conventional and FHA loans

4. Rate-and-term and cash-out refinancing

5. Debt consolidation loans also known as HELOCs or second mortgages for homeowners who may want to access available equity while keeping an existing low-rate first mortgage in place.

6. Reverse mortgages, including HECMs for eligible homeowners age 62 and older, as well as proprietary reverse mortgage options that may be available to eligible borrowers as young as age 55. For HECMs, no monthly principal and interest payment is generally required, but borrowers must continue to pay property taxes and homeowners insurance, maintain the home and meet other loan obligations. The home must be the primary residence, HUD-approved counseling is required, and the loan balance generally grows over time. Proprietary reverse mortgage program requirements vary by lender and product.

Mortgage Broker Serving San Diego County

Maureen Martin works with borrowers throughout San Diego County, including San Diego, University City, University Heights, North Park, South Park, Normal Heights, Clairemont, Bay Park, Serra Mesa, Linda Vista, Mission Valley, Mira Mesa, Tierrasanta, Kearny Mesa, Allied Gardens, San Carlos, Del Cerro, Pacific Beach, Ocean Beach, Otay Mesa, La Mesa, Lemon Grove, El Cajon, Santee, Spring Valley, Lakeside, Rancho San Diego, Chula Vista, Imperial Beach, Bonita, Oceanside, Carlsbad, Vista, San Marcos, Escondido, Fallbrook and Ramona.

Quick Answers

What is a VA IRRRL? A VA Interest Rate Reduction Refinance Loan refinances an existing VA loan into a new VA loan without taking cash out.

Why use an independent mortgage broker for a VA loan? Maureen Martin at HomePlus Mortgage, a San Diego mortgage broker, can compare VA loan options from a wide array of wholesale lenders.

Can a VA loan be used more than once? Often, yes. Depending on remaining entitlement, or whether entitlement from a prior VA loan has been restored, eligible borrowers may be able to use their VA home loan benefit again. Program requirements still apply.

About Maureen Martin at HomePlus Mortgage

Maureen Martin at HomePlus Mortgage is a San Diego mortgage broker who has served the San Diego mortgage market since 1999. With more than 26+ years of experience and access to a wide array of wholesale lenders, she focuses on VA purchases, VA refinances and VA IRRRLs, as well as reverse mortgages, including HECMs for eligible homeowners age 62 and older and proprietary reverse mortgage options that may be available to eligible borrowers as young as age 55. She also helps first-time homebuyers, move-up and repeat buyers, and buyers relocating to San Diego. Her services include conventional, FHA, jumbo and high-balance loans; first-mortgage refinances, including those tied to divorce, estate settlements or co-owner buyouts; debt consolidation loans and second mortgages; and non-QM options such as bank statement loans for purchases and refinances. Borrowers searching for a mortgage lender near me can learn more at sandiegohomelender.com.

Maureen Martin | NMLS #247664 | DRE #01266511 — HomePlus Corporation dba HomePlus Mortgage dba SanDiegoHomeLender NMLS 78669 | DRE 01426454. NMLS Consumer Access: www.nmlsconsumeraccess.org. HomePlus Mortgage is not affiliated with the VA, FHA, HUD or any other government agency. All loans are subject to borrower eligibility, credit approval, underwriting and property requirements. Program terms and availability may change. Equal Housing Opportunity.

Contact Info:
Name: Maureen Martin
Email: Send Email
Organization: Maureen Martin at HomePlus Mortgage
Address: 1455 Frazee Rd Ste 500, San Diego, CA 92108
Phone: (619) 857-7191
Website: https://sandiegohomelender.com/

Release ID: 89205407

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