What are the opening hours?

Monday 9am - 5pm Tuesday 9am - 5pm Wednesday 9am - 5pm Thursday 9am - 5pm Friday 9am - 5pm

Marylou Costas NMLS - 632960

Home
United States
San Diego, CA
Marylou Costas NMLS - 632960

MaryLou Costas is a licensed Mortgage Loan Officer with Intercap Lending. MaryLou provides mortgage loans for California homeowners.

MaryLou lives and works in Escondido, CA.

04/18/2025

Unlock More Ways to Save on Your Mortgage!

🏡 Mortgage Benefits You Should Know:

✔️ Gift funds allowed – Get help with your down payment from approved sources
✔️ No mortgage insurance on select loans – Lower your monthly costs
✔️ Flexible student loan considerations – Qualify even with student debt
✔️ Low or no down payment options – Get into a home sooner
✔️ Temporary Buy Downs – Reduce your interest rate for the first 1-3 years
✔️ Inflation Shield Program – Some borrowers are saving money by lowering their payments with our Inflation Shield Program

💡 There are more ways to qualify for homeownership and lower your monthly payments than you might think! Let’s explore your options and see how a
Temporary Buy Down can work for you.

📞 Call or DM me today, and let’s create a plan that works for your budget!

04/16/2025

Make 2025 the Year You Become a Homeowner!

If buying a home is on your goal list for 2025, now is the time to start making it happen!

✅ Get pre-approved so you know your budget
✅ Explore loan options – You may qualify for low or no down payment programs
✅ Stay ahead of the market with expert guidance

💡 Whether you’re just starting to plan or ready to buy now, let’s create a strategy that works for you!

📞 DM me to schedule a time to chat and take the first step toward homeownership!

04/15/2025

Why is a home inspection a good idea?

A home inspection gives you a clear picture of the property’s condition before you buy. It can uncover potential issues, saving you from surprises down the road. Our team is here to help you navigate every step of the process.

04/14/2025

VA Loan Benefits Don’t Expire! 🏡

If you’ve served in the military, your VA loan benefits are available for life—they don’t expire and can be used multiple times! Here’s what you need to know:

✔️ Zero Down Payment – Buy a home with no money down.
✔️ No Private Mortgage Insurance (PMI) – Lower monthly payments.
✔️ Competitive Interest Rates – Designed to help veterans afford homeownership.
✔️ Use It Again & Again – VA loans can be reused if eligibility requirements are met.
✔️ Refinancing Options – Lower your rate or access cash with a VA refinance.

💡 If you’ve earned these benefits, let’s make sure you’re using them to your advantage!

📞 Call or DM me today to explore your VA loan options!

All mortgage products are subject to credit and property approval. Rate, terms, and conditions are subject to change, and not all products are available in all areas. Additional qualifications apply. This is not an offer or commitment to lend.

04/13/2025

Inflation is changing the real estate market—so what does it mean for you? Rising or falling rates could impact your buying power, home values, and affordability.

I stay on top of the latest market trends so you don’t have to. If you’re wondering if now is the right time to buy, let’s chat!

📞 Text me for an update on how inflation affects mortgage rates in your area. 760-213-3487

04/11/2025

What’s happening in the housing market? Rates, home prices, and mortgage programs are constantly changing—stay ahead with expert insights.

I track market trends so you don’t have to! If you’re thinking about buying, refinancing, or just curious about rates, I’m here to help.

📩 DM me for a personalized mortgage update!

04/09/2025

Did you know that when you sell your primary residence, you may not have to pay capital gains tax on all of your profit?

✅ $250,000 Tax-Free Profit (Single filers)
✅ $500,000 Tax-Free Profit (Married couples filing jointly)

To qualify, you must:
✔️ Have lived in the home for at least 2 out of the last 5 years
✔️ Meet IRS eligibility guidelines for the capital gains tax exclusion

💡 Thinking about selling? Let’s discuss how this tax break could work for you!

📞 Call or DM me today to start planning your home sale!

All mortgage products are subject to credit and property approval. Rate, terms, and conditions are subject to change, and not all products are available in all areas. Additional qualifications apply. This is not an offer or commitment to lend. This information is for general purposes only and should not be construed as legal, tax, or financial advice. Consult a financial advisor or tax professional for specific guidance.

04/07/2025

Your Homebuying Journey Starts Here

With our app, qualifying for a home loan has never been easier. Explore your options, upload documents securely, and stay connected with my team —all in one place. Let’s make homebuying stress-free.

04/04/2025

Interest Rates Through History – Perspective Matters!

If you're waiting for the "perfect rate" to buy a home, history shows that home values keep rising while buyers wait.

🔹 1970's: 7.54%
🔹 198o's: 12.7% 😳
🔹 1990's: 8.1%
🔹 2000's: 6.3%
🔹 2010's: 4.69%
🔹 2025: 6.85%

For decades, people have worried about interest rates—but those who bought a home built equity while others waited.

💭 Instead of trying to time the market, let’s focus on a smart strategy that works for your goals. You can always refinance later, but you can’t rewind time on rising home prices!

📩 Let’s chat about what makes sense for you—DM me to start the conversation.

All mortgage products are subject to credit and property approval. Rate, terms, and conditions are subject to change, and not all products are available in all areas. Additional qualifications apply. This is not an offer or commitment to lend. US Weekly Average as of 2/20/2025. Source: Freddie Mac Primary Mortgage Market Survey

04/02/2025

Buying a home without a large down payment is possible! Intercap Lending offers loan programs that help qualified buyers get into a home with little to no money down, including:

✔️ 0% Down Payment Options – VA & USDA Loans for eligible buyers
✔️ Low Down Payment Conventional & FHA Loans – As little as 3% down
✔️ Chenoa Fund Assistance – Helping eligible borrowers cover their down payment
✔️ State and Local DPA Programs - Various local and state programs provide grants and low interest loans

💡 Not everyone will qualify, but you might! Let’s explore your options and see what works best for you.

📞 Call or DM me today to find out what you qualify for!

All mortgage products are subject to credit and property approval. Rate, terms, and conditions are subject to change, and not all products are available in all areas. Additional qualifications apply. This is not an offer or commitment to lend.

03/31/2025

What is PCE Data & Why Does It Matter for Homebuyers? 📉🏡

The Personal Consumption Expenditures (PCE) Price Index is a key measure of inflation that the Federal Reserve watches closely when making decisions about interest rates.

💡 What This Means for You:

✔️ Lower PCE = Potentially Lower Mortgage Rates 📉
✔️ Higher PCE = Rates May Stay Elevated ⬆️
✔️ Housing Affordability is Tied to Inflation Trends

📞 Call or DM me for a breakdown of how this affects your mortgage options!

03/28/2025

Is an FHA Loan Right for YOU?

✅ Low down payment – As little as 3.5% down
✅ Easier credit requirements – More forgiving on past credit issues
✅ Competitive interest rates – Often lower than conventional loans

If you’re a first-time homebuyer or have a lower credit score, an FHA loan could be the perfect fit for you. Let’s find the best mortgage option for your needs!

📩 DM me to see if an FHA loan is right for you!

Address

8954 Rio San Diego Drive Suite 102
San Diego, CA
92108

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

http://www.foamortgage.com/marcostas

Alerts

Be the first to know and let us send you an email when Marylou Costas NMLS - 632960 posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Want your business to be the top-listed Finance Company in San Diego?

Our Story

We are a full service, direct lender. Our competent and highly skilled team of Mortgage Professionals assist clients with the important life task of finding the right lending option for their family. Our primary focus is upon locating and securing the correct funding option for each person. Our Team works exclusively in the state of California. Whether you are purchasing a new home, or seeking to refinance your existing mortgage, we strive to provide superior customer service to our valued clients. Our Team views each transaction as a partnership that has lasting value. Utilizing our extensive knowledge of the home loan industry, we link our clients with the correct lending option. The precise lending option that fits their unique circumstances. We work to meet and exceed both industry expectations and our clients' expectations.

©2019 Finance of America Mortgage LLC is licensed nationwide | Equal Housing Opportunity | NMLS ID #1071 (www.nmlsconsumeraccess.org) | 300 Welsh Road, Building 5, Horsham, PA 19044 | (800) 355-5626 | AZ Mortgage Banker License #0910184 | Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act | Georgia Residential Mortgage Licensee #15499 | Kansas Licensed Mortgage Company | Licensed by the N.J. Department of Banking and Insurance | Licensed Mortgage Banker -- NYS Banking Department | Rhode Island Licensed Lender | Massachusetts Lender/Broker License MC1071. For licensing information go to: www.nmlsconsumeraccess.org.

Questions, comments, concerns? Send to [email protected]