INTEGRITY FIRST FINANCIAL GROUP, INC.
SAN DIEGO, CA

Nearly a decade ago, we founded our company on the principle that people deserved ethical home lenders who put integrity first. We chose our name because we saw a void in the industry of companies dedicated to integrity and transparency and we wanted to fill that void. Now, ten years later, we are proud of our ongoing commitment to these ideals and are every bit as committed to our corporate mission of “Bringing Integrity to Home Lending” Lending nationally with new branches opening all the time, IFFG is thriving. We are honored to have helped finance thousands of loans and assisted so many Americans in buying and keeping their dream homes. As a direct lender, we process, doc and fund all loans in house which means we control the credit decisions and turn times so our clients can count on a timely closing. We offer a wide variety of products including FHA, VA, USDA, 203K, Down Payment Assistance Programs, Non QM loan and many more which allows us to help accommodate the majority of clients who contact us. Over the years, we have worked to create an innovative company culture and operational structure that has helped us attract some of the most talented people in the industry. But don’t take our word for it! Simply pick up a newspaper or magazine, we have been recognized by both national and local press as a company to watch. IFFG was listed by as one of the “fastest growing privately held companies” in the United States two years in a row in 2011 and 2012, and was recognized as the #1 fastest growing privately held company in San Diego in 2010 by San Diego Business Journal , and as the fifth fastest growing in 2011. We are also pleased to have been honored by San Diego Business Journal We look forward to the next ten years of helping Americans realize their dreams with integrity. In 2010, we were ranked the #1 Fastest Growing Privately Held Company in San Diego by the San Diego Business Journal and in 2011, we were ranked #215 in the INC 500 list for Fastest Growing Privately held companies the United States). In 2010, we were ranked the #1 Fastest Growing Privately Held Company in San Diego by the San Diego Business Journal and in 2011, we were ranked #215 in the INC 500 list for Fastest Growing Privately held companies the United States). The greatest factor to consider when choosing a mortgage program is the length of time you intend to own the property. To help you determine the best loan program for your unique situation we have provided information about purchasing loan financing on our home page. You can also access information about mortgage refinancing. To determine whether it makes sense for you to pay guaranteed discount points, you should compare the cost of the discount points to the monthly payments savings created by the lower interest rate. Divide the total cost of the discount points by the savings in each monthly payment. This calculation provides the number of payments you’ll make before you actually begin to save money by paying discount points. If the number of months it will take to recoup the guaranteed discount points is longer than you plan on having this mortgage, you should consider the loan program option that doesn’t require discount points to be paid. The note rate is used to calculate your interest payment each month. The APR (Annual Percentage Rate) is a calculation based on standardized federal regulations. In addition to the interest rate, it factors in other finance charges such as certain loan fees, to show the total cost of the financing over the scheduled life of the loan. The APR is designed to help borrowers fairly compare different lenders and loan options. Please note that the loan amount will influence the APR calculation, with higher loan amounts reporting lower APR calculations. To get a true comparison, the same loan amount must be used. Lenders like Integrity First Financial Group allow you to input your loan amount into their websites which generally calculates an accurate APR. Beware of lenders that just display a rate chart on their website; these websites are reporting an APR for a set loan amount and your APR will be different. Yes, if you apply for your mortgage now, we’ll issue an approval subject to you finding the perfect home. We’ll issue a pre-approval letter that you can use to assure real estate agents and sellers that you are a qualified buyer. Having a pre-approval for a mortgage may give more weight to your offer. Once an offer is accepted you will have the opportunity to lock in a rate and complete the loan process. In 2010, we were ranked the #1 Fastest Growing Privately Held Company in San Diego by the San Diego Business Journal and in 2011, we were ranked #215 in the INC 500 list for Fastest Growing Privately held companies the United States). Know exactly what you can afford before you search for homes. IFFG will issue credit approvals before you even have a property to help you increase your chance of getting your offer accepted! Welcome to Integrity First Financial Group, Inc. With a unique approach that embraces technology and a streamlined process, Integrity First Financial Group, Inc. has grown into one of the most respected and recognized direct lenders in the nation. Now lending nationally, we are proud to have helped finance thousands of loans, helping Americans find, keep and afford their dream homes. The Integrity First Financial Group, Inc. Vision – We want to get to know you so that one of our seasoned loan officers can offer you the ideal financing solution and we don’t think anyone should have to sacrifice on service, experience and integrity to get a great deal. We hope to build lasting relationships with our business partners and lifelong relationships with our clients. A recognized Inc 500 company. Wide product mix (FHA, VA, USDA, Conventional...) In 2010, we were ranked the #1 Fastest Growing Privately Held Company in San Diego by the San Diego Business Journal and in 2011, we were ranked #215 in the INC 500 list for Fastest Growing Privately held companies the United States).