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07/19/2025

The Hubbard Family Legacy in Vista, California

The story of the Hubbard's in Vista began with Russ and Jean Hubbard, who planted roots in this community with a vision for family, hard work, and service. They opened the doors to quality market , the family’s first store, which quickly became a neighborhood staple. More than just a place to shop, quality market was a friendly, familiar space where locals felt welcome—a true reflection of Russ and Jean’s values.

Building on that foundation, Pat and Connie Hubbard carried the family legacy forward. With the same strong work ethic and deep love for the Vista community, they launched Hubbard's Meats, which became synonymous with quality, friendly faces, and good old-fashioned service. For years, Hubbard's Meats was where people came not just for their groceries, but for connection and conversation. It was a place where everyone felt like family.

Today, the legacy continues through Todd Hubbard, who has spent the past 26 years in the mortgage business. Like the generations before him, Todd is known for his integrity, his commitment to helping people, and his deep ties to the Vista community. While his path is different from the family storefronts, the heart of his work remains the same—serving people with honesty and care.

From a single storefront to a multi-generational impact, the Hubbard's of Vista have built more than businesses—they’ve built a name that stands for family, trust, and a love for their hometown. Four generations strong, and still going

07/10/2025

Eldercare has now surpassed childcare—with over 23 million Americans currently caring for an aging loved one. If you or someone you know is facing the emotional and financial challenges of supporting an older family member, I’m here to help.

A reverse mortgage can be a powerful tool to help cover the cost of care, protect your loved one’s dignity, and ease the burden on your own financial future.

Please don’t hesitate to reach out. I’d love to share how this option can provide peace of mind and long-term stability for families navigating this stage of life. Todd Hubbard 760-612-6189

06/06/2025

I hope all is well with you and your family! I know rates are still a bit elevated, but as we all know—life doesn’t slow down to wait for the perfect market conditions. Sometimes, our personal needs and priorities take center stage, and the timing of a move or refinance is driven by life events, not interest rates.

Here are just a few examples:
1. Your toddler has suddenly turned into a little human with big needs—and now you’re ready for a larger home.
2. Your teens are off to college, and it’s time to downsize, empty nest, or maybe relocate to be closer to grandkids.
3. You’re self-employed and could use some cash out to invest back into your business during these unpredictable times.

Whatever the reason, if you—or someone you know—are in a season where change is necessary or equity could be helpful, I’m here to guide you through the process. I’ll help find the most cost-effective and strategic solutions to fit your needs, regardless of where the market stands.

Don’t hesitate to reach out if you’d like to explore your options or just talk things through. Todd Hubbard 760-612-6189

05/21/2025

Have you thought about what happens when one or both of your parents’ health begins to decline?

For many families, two of the biggest concerns for aging parents are:
1. The ability to age in place—remaining in the comfort of their own home
2. Avoiding becoming a financial burden on their children

I specialize in a unique home loan program that allows your parents to access the equity in their home—without having to make monthly payments. These funds can be used for medical expenses, in-home care, or to support the costs of a care facility for one parent while the other remains at home.

The best part? Both parents can stay in the home for as long as they live, without the stress of making a mortgage payment. It’s a tremendous relief for families to know that their parents can maintain independence and financial dignity without being a financial burden on their children.

If you’d like to explore how this might work in your specific situation, I’d be happy to provide more information.

Feel free to reach out anytime. Todd Hubbard 760-612–6189

05/15/2025

Are you self-employed and concerned about a potential recession or economic slowdown?
Now may be the perfect time to access your home’s equity with a second mortgage—while keeping your existing low-rate first mortgage untouched.

We specialize in second mortgages for self-employed individuals, with flexible income verification options. Whether you have a profit and loss statement or just a 1099, we can help.

Take advantage of your home’s value while the market remains strong.

Contact me today to learn more.
Todd Hubbard 760-612-6189

04/08/2025

Depending on your age and how your finances are structured, the recent shockwaves throughout the stock market have forced many people — especially those over 62 — to reevaluate their retirement plans.

The good news is that, for now, home equity remains strong and robust. This presents a perfect opportunity to consider a reverse mortgage. By eliminating your current mortgage payment and accessing your home equity without creating a new monthly payment, you can offset losses from the market downturn.

This approach is known as the “coordinated strategy.”
Rather than drawing from your retirement accounts during a market decline, you use the available equity in your home to distribute funds to yourself. This allows you to keep more money invested, giving your retirement accounts a chance to recover when the market rebounds.

Remember:
• Funds accessed through a reverse mortgage are tax-free.
• There are no required monthly payments on the borrowed funds.
• You can stay in your home for as long as you live.

This is a rock-solid plan to help ensure you don’t run out of money in retirement — while giving you financial peace of mind.

Call me today to set up your free consultation. Let’s make sure you are fully protected and positioned for a strong future.

Todd Hubbard 760-612-6189

02/03/2025

Unlock Your Home’s Equity Without Touching Your Low-Rate 1st Mortgage!

Are you 55 or older and looking for a way to access your home’s equity—without monthly payments? A Reverse Mortgage 2nd Loan could be the perfect solution!

Here are the top 10 reasons homeowners are choosing this option:

1️⃣ Your line of credit (LOC) is maturing
2️⃣ You need to make accessibility home improvements
3️⃣ You want to build an ADU
4️⃣ You’re ready to start a passion project
5️⃣ You’d like to help grandchildren with college tuition
6️⃣ You want to assist family with a down payment
7️⃣ You have credit card debt to consolidate
8️⃣ You’re interested in buying an investment property
9️⃣ You need to make a large purchase
🔟 You currently have both a first and second mortgage

With no required monthly payments, this loan gives you financial flexibility while keeping your existing low-rate mortgage intact.

Interested in learning more? Reach out today to explore your options! Todd Hubbard 760-612-6189

01/11/2025

Are you over 55 and looking to access cash from your home without affecting the super low interest rate on your current first mortgage? A Reverse Mortgage 2nd Mortgage might be the perfect solution! This fixed-rate loan allows you to access tax-free money with no monthly payments required. Call me today to find out how much you could qualify for! Todd Hubbard 760-612-6189

12/29/2024

FHA Loan

An FHA Loan is an excellent option for purchasing a home with a minimal down payment and lower interest rates compared to a conventional loan. Currently, the rate is 5.75% with an APR of 5.92%, and you only need 3.5% down. This loan is also great because it’s more flexible with credit requirements, allowing for subpar credit. Additionally, it accommodates a higher debt-to-income (DTI) ratio, giving you greater buying power.

VA Loan

A VA Loan is truly one of the best home financing options available. It’s exclusively for active-duty military, veterans, or surviving spouses. The standout features of a VA Loan include no down payment, lower rates than conventional loans (currently 5.75% with an APR of 5.92%), and zero mortgage insurance. Similar to the FHA Loan, it accepts subpar credit and allows for a higher DTI ratio, offering you more purchasing power. These unique benefits, combined with no mortgage insurance and no down payment, make the VA Loan a top choice for eligible borrowers. Call me today for more information. Todd Hubbard 760-612-6189

12/13/2024

This holiday season I hope you'll be spending time with your loved ones. Assuming you will be visiting with some of your older family and friends, ask them if they have ever considered using a reverse mortgage to help them take care of themselves and their home. Here's how it works:

1) Eliminate all mortgage payments for as long as they want to live in the comfort of their home allowing them to age in place.

2) Access to their equity to have it work for them. They can use this equity to help with medical procedures, in- home care, home repairs, payoff debt, travel or help grandkids with a down payment on their 1st home

I’m here to help them understand the details and see if this option is right for them. Feel free to message me or comment below to set up a no-pressure consultation.

Let’s explore if a reverse mortgage can work for their specific needs. Todd Hubbard 760-612-6189.

12/02/2024

Down Payment Assistance for First-Time Home Buyers

For many first-time home buyers, coming up with the down payment is the biggest challenge. But here’s the good news—I can help! With my program, buyers can get into their first home without needing a down payment.

I believe now is an excellent time to buy. The market isn’t overly competitive, making it easier to get offers accepted. If buyers wait for interest rates to drop, the market will likely become saturated with competition, and sellers will prioritize buyers with larger down payments.

Right now, it’s the perfect moment for “small fish” to thrive in the market. When rates drop, the “bigger fish” will flood the scene, making it much harder to win a bidding war.

If you or someone you know is thinking about buying their first home, let’s talk today. I’m here to help make the dream of homeownership a reality! Todd Hubbard 760-612-6189

11/25/2024

Good Morning!

I can’t believe Thanksgiving is already here! I wanted to share some valuable information on a few programs that can make a lot of sense in this high-rate environment. These include:

1. Home Equity Lines of Credit (HELOCs):

A smart way to access your home’s equity without touching your low-rate first mortgage. For self-employed individuals, we offer a Bank Statement HELOC that doesn’t require tax returns—just the deposits from your 12 most recent business or personal bank statements. Alternatively, we can qualify using your most recent 1099 or Profit & Loss statement.

2. Debt Service Coverage Ratio (DSCR) Loans:

Perfect for purchasing investment or rental properties. These loans don’t require tax returns and instead qualify using the rental income from the property. Depending on the debt service ratio (monthly house payment vs. monthly rent), buyers can put down as little as 15%-25%. Best of all, rates are comparable to conventional loans from Fannie Mae or Freddie Mac, but with much simpler qualification criteria.

3. Reverse Mortgages (HECM):

These can be true game-changers. First, they eliminate the homeowner’s monthly mortgage payment. Second, they provide a growing Line of Credit (currently around 7.5% tax-free). This line can be used to invest in real estate, fund home improvements, cover medical expenses, travel, pay off student loans for grandkids, or even help them with a down payment on their first home.

If you’d like to learn more about any of these options, feel free to reach out—I’d be happy to provide more details!

Wishing you and your family a wonderful Thanksgiving!

Address

5256 S Mission Rd, Suite 118
Bonsall, CA
92003

Telephone

+17606126189

Website

http://www.themortgagehubsd.com/

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