Ian Wright - The Wright Mortgage Team

Ian Wright - The Wright Mortgage Team I help customize Mortgage financing for borrowers looking to Purchase or Refinance Real Estate. Personally licensed in 14 states. I also buy houses.

NMLS #188395
DRE #02347480

P.S. Fixer-uppers and rentals. Welcome to my page! My name is Ian Wright, and I'm here to make your lending experience as smooth as possible. With a dedicated team and support staff, I specialize in navigating the complexities of various loan options, including Conventional, FHA, VA, Non-QM, and Reverse Mortgagesโ€”in 27 states across the country. My passion lies in educa

ting and guiding clients, enabling them to build wealth through homeownership. Whether it's a First-Time Homebuyer buying above or below the County Loan Limit of $1,006,250 or an investor looking to buy their first rental out-of-state. I believe in knowing my program guidelines inside & out, so we can avoid surprises during the process and efficiently close your loan on time. But more importantly, I prioritize understanding each client's unique investment needs to offer tailored solutions. Recently, we've expanded our portfolio to include niche products, broadening our options for specialized loan scenarios. We believe it's critical to have a full suite of options to fit each client's unique circumstances. I'm dedicated to being available whenever you require assistance, whether by phone, text, email, or social media channels. We look forward to the opportunity to help you and your family build wealth, while also helping our Realtor Partners meet their goals as well. Sincerely, Ian Wright

(619) 871-4995
[email protected]
NMLS #188395
*Equal Housing Lender

Found a lender offering ๐——๐—ฆ๐—–๐—ฅ ๐—น๐—ผ๐—ฎ๐—ป๐˜€ on double-wide ๐—บ๐—ฎ๐—ป๐˜‚๐—ณ๐—ฎ๐—ฐ๐˜๐˜‚๐—ฟ๐—ฒ๐—ฑ ๐—ต๐—ผ๐—บ๐—ฒ๐˜€.Common issue in TX, AZ, and FL when ๐—ณ๐—น๐—ถ๐—ฝ๐—ฝ๐—ฒ๐—ฟ๐˜€ need t...
07/23/2026

Found a lender offering ๐——๐—ฆ๐—–๐—ฅ ๐—น๐—ผ๐—ฎ๐—ป๐˜€ on double-wide ๐—บ๐—ฎ๐—ป๐˜‚๐—ณ๐—ฎ๐—ฐ๐˜๐˜‚๐—ฟ๐—ฒ๐—ฑ ๐—ต๐—ผ๐—บ๐—ฒ๐˜€.

Common issue in TX, AZ, and FL when ๐—ณ๐—น๐—ถ๐—ฝ๐—ฝ๐—ฒ๐—ฟ๐˜€ need to refinance out of a short-term Hard Money loan into a 30-year fixed rental loan.

Most DSCR lenders won't finance manufactured homes, so good option for investors.

07/03/2026

Good weekend to submit offers on houses.

Making a few offers myself on the investor side.

Reminded again today - mortgage rates go up โ†‘ much faster than they come down.So, good time for buyers to ask for ๐—ฆ๐—ฒ๐—น๐—น๐—ฒ๐—ฟ...
05/15/2026

Reminded again today - mortgage rates go up โ†‘ much faster than they come down.

So, good time for buyers to ask for ๐—ฆ๐—ฒ๐—น๐—น๐—ฒ๐—ฟ ๐—–๐—ฟ๐—ฒ๐—ฑ๐—ถ๐˜๐˜€ to cover:

โ€ข Temporary or Permanent Rate-Buydowns
โ€ข Closing Cost credits

One lender I work with is also offering a ๐—ณ๐—ฟ๐—ฒ๐—ฒ ๐Ÿญ-๐Ÿฌ ๐—•๐˜‚๐˜†๐—ฑ๐—ผ๐˜„๐—ป on Conventional, FHA & VA loans until June 30th.
* Rate is 1% lower for first year of the loan.
* Primary & 2nd homes only.

04/09/2026

Looking to save money on a new home purchase? One of lenders I work with is offering a $600 credit toward your Appraisal.

You still pay for the Appraisal report upfront, but it will show up as Lender Credit on the final Closing Disclosure (CD).

Can be used on Conventional, FHA, VA, and USDA loans.

Incentive ends April 30th.
๐Ÿ 

03/18/2026

Don't overpay for ๐—ฃ๐—ฟ๐—ถ๐˜ƒ๐—ฎ๐˜๐—ฒ ๐— ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—œ๐—ป๐˜€๐˜‚๐—ฟ๐—ฎ๐—ป๐—ฐ๐—ฒ (๐—ฃ๐— ๐—œ).

Couple lenders I work with offer discounted PMI, lowering your monthly payment.

No reason to delay buying a home due to PMI, or if you don't have 20% down.

PMI is cheaper these days.

03/06/2026

Best to ๐—Ÿ๐—ข๐—–๐—ž in your rate today if closing on a new home purchase or refinance in 30 days or less.

The rise in ๐—ข๐—ถ๐—น prices has caused mortgage rates to rise.

Slow and steadyโ€”owning a home ๐Ÿ  has proven to be foundational for wealth building.The principal paydown with each paymen...
02/26/2026

Slow and steadyโ€”owning a home ๐Ÿ  has proven to be foundational for wealth building.

The principal paydown with each payment and rising home values over time are building your foundation.

Just buy right, make sure the numbers work for you, have cash reserves, and keep a long-term outlook.

Welcome the good and the bad: tax benefits, control, freedom, stability, family memories, and retirement securityโ€”but also the ongoing maintenance, repairs, and insurance costs.

Not easy, but worth it.

02/24/2026

Smaller loan amounts (under $100-150k) are hard to finance.

Found a DSCR lender with ๐—ก๐—ข ๐—บ๐—ถ๐—ป๐—ถ๐—บ๐˜‚๐—บ ๐—น๐—ผ๐—ฎ๐—ป ๐—ฎ๐—บ๐—ผ๐˜‚๐—ป๐˜ while researching.

See this issue a lot when investors & flippers try to buy or refinance after renovations.

02/05/2026

Good day to LOCK your rate if youโ€™re under contract on a house or refinancing ๐Ÿ 

Nice improvement today 2/5, but these windows are often short-lived, so preparation is key.

Lenders at least need a loan application & credit pulled to lock.

02/04/2026

If being told you need 12 months โ€œ๐˜€๐—ฒ๐—ฎ๐˜€๐—ผ๐—ป๐—ถ๐—ป๐—ดโ€ to do a ๐—–๐—ฎ๐˜€๐—ต-๐—ข๐˜‚๐˜ ๐—ฅ๐—ฒ๐—ณ๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ฒ on a rental propertyโ€ฆ

Try a DSCR loan instead of Conventional if you need the cash now.

Most DSCR programs only require ๐Ÿฒ ๐—บ๐—ผ๐—ป๐˜๐—ต๐˜€ seasoning on cash out and allow you to use current market value for the Appraisal after only 6 months.

Common scenario for flippers & investors after they finish renovations.

Address

6336 Greenwich Drive #A
Carlsbad, CA
92122

Opening Hours

Monday 8am - 8pm
Tuesday 8am - 8pm
Wednesday 8am - 8pm
Thursday 8am - 8pm
Friday 8am - 8pm
Saturday 8am - 8pm
Sunday 8am - 8pm

Telephone

+16198714995

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