Tony Ratto - Chase Home Lending Advisor - NMLS ID 275722

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Tony proudly serves clients in the Encinitas, CA area. Tony has 28 years of experience as a Senior Home Lending Advisor and specializes in preapproval, lending to self-employed clients, fixed-rate mortgages, adjustable-rate mortgages, vacation home financing, and conforming loans and jumbo mortgages. Whether you're a first-time homebuyer, need to expand or downsize, or are looking for a second home, Tony is here to help you find a mortgage to fit your needs. Starting with a review of your finances, Tony can help you get a clear picture of what might work best for you. Tony will explain your options, answer any questions you may have, keep you informed and guide you through every step of the mortgage process. Above all, Tony wants to ensure that you have a positive home lending experience.