Pine

Let's Talk

Visit an office
Send us an email
Call 877-476-2265

Trusteer Security Software

Effective October 1, 2012

Trusteer Rapport will be required for all online wire transfer and ACH transactions. More about Trusteer.

 

Pine

Let's Talk

Visit an office
Send us an email
Call 877-476-2265

Trusteer Security Software

Effective October 1, 2012

Trusteer Rapport will be required for all online wire transfer and ACH transactions. More about Trusteer.

Pine

Have a question?
Contact Us.

Visit a branch
Send us an email
Give us a call 1-877-476-2265

Trusteer Rapport is required for all online wire transfer and ACH transactions. More about Trusteer. 

Pine

Let's Talk

Visit an office
Send us an email
Call 877-476-2265

Trusteer Security Software

Effective October 1, 2012

Trusteer Rapport will be required for all online wire transfer and ACH transactions. More about Trusteer.

Torrey Pines Bank is closed on the following holidays:

January 20
February 17
May 26
July 4
September 1
October 13
November 11
November 27 and 28
December 24 at 2:00p.m.
December 25
January 1, 2015

HOME LOANS

Home Improvement Equity Loans

Are you planning to add lasting value to your home? Regardless if you are a do-it-yourselfer or planning to hire a contractor, Torrey Pines Bank is ready to help you with your project. Our sensible Home Improvement Equity Loans are available for swimming pools to room additions, new carpeting to a new garage. You will receive competitive interest rates and flexible payment plans.

Additional disclosures will be provided with receipt of signed application.

Premium Equity Line of Credit

Let the equity in your home work for you! Your home ownership can provide you the necessary funds for any worthwhile project with Torrey Pines Bank's Premium Equity Credit Line. Our Premium Equity Credit Line is a convenient revolving line of credit that:

  • Provides you an opportunity for valuable tax benefits*
  • Makes your home improvements a reality
  • Pays for your medical expenses
  • Purchases your new furniture
  • Enables you to take that dream vacation
  • Consolidates your bills, or
  • Purchase your new vehicle or RV.

*Consult your tax advisor.

Additional disclosures will be provided with receipt of signed application.

Residential Construction

Torrey Pines Bank specializes in Residential Construction Loans for the owner-occupant. We offer you the easiest, most flexible construction loan available to help you save money.

What is a real estate construction loan? A Torrey Pines Bank Real Estate Construction loan is simply a non-revolving line of credit for a sum certain. The money is advanced through a fund control escrow account, as funds are needed to pay for hard or soft costs. During the term of the loan, you pay monthly interest. The dollar amount needed for these payments may be included in total costs so that you do not have to pay "out of pocket." Interest is accrued and paid on the day-to-day balance of the credit, not the entire commitment amount.

Construction Loan Features:

  • Very competitive pricing
  • Professional assistance placing the permanent mortgage
  • Flexible construction administration programs
  • Interest paid monthly on the outstanding balance
  • There are no pre-payment penalties
  • Bank willing to finance a portion of land acquisition

Basic Qualification Requirements:

  • Good credit, as determined by our review of your credit report
  • Level of income that will qualify you for a permanent mortgage
  • The amount of the loan is enough to complete the construction of your home

Qualified general contractor or owner-builders will be considered based on prior experience in homebuilding.

All loans subject to credit approval. Other terms and conditions may apply. Additional disclosures will be provided at account opening.

For information on home equity lines and loans or consumer residential construction loans, please contact one of our Torrey Pines Bank Mortgage Loan Originators.

Mortgage Loan Originator

NMLS Number

Branch

Telephone

Email

Natalie Do

812937

Beverly Hills

(310) 623-8903 Call: (310) 623-8903

NDo@torreypinesbank.com

Colleen Sweeny

902848

Carlsbad

(760) 444-8444 Call

CSweeny@torreypinesbank.com

Adam Ridgeway

698282

Carmel Valley

(858) 523-4611 Call

ARidgeway@torreypinesbank.com

Stephanie Begody

1144314

Carmel Valley

(858) 523-4677 Call

SBegody@torreypinesbank.com 

Donna Jackson

809612

Carmel Valley

(858) 523-4632 Call

DJackson@torreypinesbank.com

Mistie Breen

698275

Carmel Valley

(858) 523-4641 Call

MBreen@torreypinesbank.com

Andres Melgar

723842

Symphony Towers

(619) 233-2204 Call

AMelgar@torreypinesbank.com

Kerrie Carty

698276

Golden Triangle

(858) 259-5318 Call

KCarty@torreypinesbank.com

Elizabeth Scott

809613

Kearny Mesa

(858) 523-4678 Call

LScott@torreypinesbank.com

Vince Kingsley

698278

Kearny Mesa

(858) 259-5303 Call

VKingsley@torreypinesbank.com

Diane Sipe

698274

La Mesa

(619) 233-2531 Call

DSipe@torreypinesbank.com

Don Rickman

698273

La Mesa

(619) 233-2535 Call

DRickman@torreypinesbank.com

Al Diaz

644682

Los Altos

(650) 469-1700 Call

ADiaz@torreypinesbank.com

Robert Biggs III

1124170

Los Angeles

(213) 362-5230 Call

RBiggsIII@torreypinesbank.com

Gail Weed

1096375

Kearny Mesa

(858) 259-5324 Call

GWeed@torreypinesbank.com

Mona Gabriel

698281

Los Angeles

(213) 362-5203 Call

MGabriel@torreypinesbank.com

Jennifer De Leon

644685

Los Altos

(510) 899-7543 Call

JDeLeon@torreypinesbank.com

Dale Marie Golden

644681

Oakland

(510) 899-7536 Call

DGolden@torreypinesbank.com

Kathy Huynh

977818

Los Altos

(650) 469-1700 Call

KHuynh@torreypinesbank.com

Renee Osuna

698272

San Diego

(619) 233-2502 Call

ROsuna@torreypinesbank.com

Sara Ingrande

698277

Carmel Valley

(858) 523-4618 Call

SIngrande@torreypinesbank.com

Matthew Brayfield

1083086

Carmel Valley

(858) 523-4613 Call

MBrayfield@torreypinesbank.com

Rick Martinez

1059870

Carmel Valley

(858) 259-5313

EMartinez@torreypinesbank.com

Ciro Villa 589089 San Diego (619) 233-2525 CVilla@torreypinesbank.com
Margaret Lowell 644679 Oakland (510) 899-7564 MLowell@torreypinesbank.com