Home Loans - Todd Benware Team

Unlock the door to your dream luxury home with a Prime Jumbo Interest-Only Loan! 🏡💼

This premium mortgage option is perfect for high-value properties exceeding conforming loan limits.

For the initial period (often 5-10 years), you pay only the interest, keeping payments lower and giving you maximum flexibility.

Three Great Benefits:
1. Lower Monthly Payments – Free up cash flow for investments, renovations, or lifestyle enjoyment during the interest-only phase.

2. Qualify for a Larger Loan Amount – Easier approval for expansive or high-end homes in competitive markets like California.

3. Financial Flexibility – Ideal for high-income professionals expecting income growth or planning a future sale/refinance.

The Todd Benware Team at Home Plus Mortgage specializes in tailored jumbo solutions with over 30 years of experience. We’re here to guide you every step of the way and secure the best terms for your needs!

Ready to explore your options? Contact us today for a personalized consultation. 📞 DM or visit toddbenware.com

It’s the end of the year and so easy to talk about buying a home… and also how hard it feels to finally take that first real step.

We daydream.
We scroll Zillow.
We save screenshots like they’re vision boards.
And we keep saying “soon” like it’s some magical moment on the calendar that will reveal itself when life feels less chaotic.

But here’s the truth most people never say out loud:
Getting pre-qualified isn’t scary.
It’s clarity.
It takes minutes, not months.
And once you know your real numbers, everything gets easier — your search, your budget, your plan, your confidence.

Del Mar Branch NMLS # 2310137

📍 1011 Camino Del Mar, Suite 236
Del Mar, California 92014
☎️ Phone: (800) 511-4080
✉️ [email protected]
🌐 www.toddbenware.com

🏡💥 Real estate deals don’t always fall apart because of bad luck… sometimes it’s preventable.

Here are some of the most common reasons a home purchase can fall through:

1️⃣ Funding Denied — You financed a big purchase during escrow (car, furniture, credit card spike).
2️⃣ Job Change or Loss — Any shift in employment can impact loan approval.
3️⃣ Low Appraisal — The home appraises for less than the purchase price, causing loan complications.
4️⃣ Major Inspection Issues — Unexpected repairs or structural problems can stop everything.
5️⃣ Title Problems — Seller delays due to liens, ownership disputes, or unresolved title issues.

The good news?
You don’t have to navigate these risks alone.

At the Todd Benware Team, we make sure everything is handled the right way — from pre-approval to closing. We prepare you, protect you, and guide you through every step so your deal stays on track. ✔️

📲 Contact us today to make sure every box is checked and your home purchase closes smoothly and successfully.

Del Mar Branch NMLS # 2310137

📍 1011 Camino Del Mar, Suite 236
Del Mar, California 92014
☎️ Phone: (800) 511-4080
✉️ [email protected]
🌐 www.toddbenware.com

Do you want a new home for Christmas? Let’s get you approved and snuggled by the living room fire this holiday season. ⛄️🎄

Contact the Todd Benware Team today to get the approval process started:

Del Mar Branch NMLS # 2310137

📍 1011 Camino Del Mar, Suite 236
Del Mar, California 92014
☎️ Phone: (800) 511-4080
✉️ [email protected]
🌐 www.toddbenware.com