La Jolla


La Jolla Mortgage Options

All About La Jolla

La Jolla, California

La Jolla’s name is a somewhat controversial subject among town historians. No one knows where the name originated – whether it comes from the Spanish word La Joya (which means “the jewel”) or from the Indian term Woholle (meaning “hole in the mountains”), an appropriate name considering the caves and rock formations along La Jolla’s shoreline. The name has appeared in all land grant and mission records since 1928 and in scattered documents at least back to 1870 when they appeared spelled “L-a-J-o-y-a”.Source

Things To Do In La Jolla:

Come Spend A Day In La Jolla!

From the crashing waves to the award-winning culinary creations, La Jolla sparkles with sights and attractions in a picturesque village where everything is immersed in a casual, relaxed luxury. Strolling through the village on “date night” or vacationing in one of the village’s signature hotels guarantees luxury and leisure with seaside serenity. Only minutes from downtown, La Jolla promises a sun-kissed Southern California experience like no other.Source

Education in La Jolla

About La Jolla Educational System

If you have children or know you may one day, you know how important schooling is or will be. With such variance in education, you naturally want to make sure your child is getting the right experience, the best one for helping them to grow and succeed.Source

La Jolla Image Gallery

History of La Jolla:

La Jolla is rich in history!

Artifacts have been found throughout La Jolla over the decades, indicating that Native Americans settled along the shoreline nearly 10,000 years ago. Archaeologists have found stone utensils and Indian metates.Source

La Jolla’s Neighborhood

Check out La Jolla’s Neighborhood

It’s a good one. In my opinion, La Jolla is down-to-earth relative to similar affluent communities in the nation. We had the highest average housing prices in the nation in 2008 ($1.85 million) and ($2.14 million) 2009, though I’m not sure what it is today it’s probably still up there. From funky (multi-million dollar) beach shacks to condo complexes to custom estates, you see a little bit of everything here housing-wise.Source

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Michael Spirtos Zero Points Mortgage Loans

Michael Spirtos

Loan Officer

Michael Spirtos has over 20 Years of experience in the mortgage business funding first time home buyers and providing investment analysis to large portfolio investors. We will search hundreds of lenders to find you the best pricing. Our company has funded creative Jumbo loans for athletes and actors who may have sporadic income or long off-seasons. We have one of the largest bank lists with full access to FHA, Va, Fannie Mae and Freddie Mac conforming loans with stand alone or piggy back HELOCs as well as Fixed Lines of Credit. Our exclusive network of private lenders allows us to offer stated income lending options, no-income no asset, and Non-QM loans. Buying a home will be one of the biggest investments of your life – get the expertise you deserve.