PGS Home Loans NMLS 1665909

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Carlsbad, CA
PGS Home Loans NMLS 1665909

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Buying a home is a big deal! Making sure it fits your budget and family is important. NMLS #1665909

11/04/2026

Think you need 20% down, or that one “no” means never? Plenty of mortgage myths keep buyers on the sidelines, so talk with your loan officer to see which options may be right for you.

PGS Home Loans, Inc.
NMLS 1665909
www.nmlsconsumeraccess.org
Equal Housing Opportunity

10/28/2026

Rates move every day, so a rate lock is worth understanding. 🔒

A rate lock keeps your interest rate the same for a set period while your loan gets to closing. If rates go up during that time, your rate stays where it is. Lock periods usually run 30 to 60 days, so when you lock matters.

Not sure when to lock? Send us a message and we’ll go over your options.

Rate lock terms and availability vary. Subject to credit approval. Not a commitment to lend. PGS Home Loans, Inc. | NMLS #1665909 | Equal Housing Opportunity

10/28/2026

Recently funded in Oceanside, CA! 🔏

PGS Home Loans, Inc.
NMLS 1665909
www.nmlsconsumeraccess.org
Equal Housing Opportunity

10/26/2026

New credit pulls can impact your score. Avoid opening new accounts mid-process.

PGS Home Loans, Inc.
NMLS 1665909
www.nmlsconsumeraccess.org
Equal Housing Opportunity

10/21/2026

Closing day is one of the most exciting days in the home buying process. Here's what to expect as you prepare to get the keys to your new home!

PGS Home Loans, Inc.
NMLS 1665909
www.nmlsconsumeraccess.org
Equal Housing Opportunity

10/19/2026

Calculate how long you plan to stay in the home. This helps determine loan structure.

PGS Home Loans, Inc.
NMLS 1665909
www.nmlsconsumeraccess.org
Equal Housing Opportunity

10/15/2026

Recently closed this beautiful townhome in Vista with a VA loan. Clear-to-close in 12 days! 🏠

Shout out to Janet and Tiffany for being professional, reliable, and a pleasure to work with. Great job team!

PGS Home Loans, Inc.
NMLS 1665909
www.nmlsconsumeraccess.org
Equal Housing Opportunity

10/12/2026

Your closing date affects prorations and cash needed. Align it with your financial goals.

PGS Home Loans, Inc.
NMLS 1665909
www.nmlsconsumeraccess.org
Equal Housing Opportunity

10/07/2026

Mortgage rates are driven by a combination of broad economic market forces and your own personal financial profile.

PGS Home Loans, Inc.
NMLS 1665909
www.nmlsconsumeraccess.org
Equal Housing Opportunity

10/05/2026

Earnest money shows commitment to the purchase. It is typically applied toward your closing costs.

PGS Home Loans, Inc.
NMLS 1665909
www.nmlsconsumeraccess.org
Equal Housing Opportunity

Address

2173 Salk Avenue, Suite 250
Carlsbad, CA
92008

Telephone

+18772657598

Website

http://www.pgshomeloans.com/

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