San Diego Mortgage Broker

In a county this expensive, the rate does the heavy lifting

San Diego is one of the most expensive housing markets in the country, and that changes the math on shopping your loan. On a loan near the county limit, a quarter point difference in rate is worth tens of thousands of dollars over the life of the note. A bank can only quote you its own pricing. As an independent broker, Mike sends your file to a wide panel of lenders and lets them compete for it.

You work directly with Mike from application through closing, with no call center in between, and the consultation and quote are always free. If you want to read up first, our mortgage FAQ covers the questions San Diego buyers ask most.

Military and VA lending is a San Diego specialty

With Naval Base San Diego, Camp Pendleton, Miramar, and Coronado in the county, a large share of San Diego buyers are active duty, reserve, or veterans. VA financing allows zero down payment with no monthly mortgage insurance, and the VA loan limit rules were removed for borrowers with full entitlement, so a qualified buyer can often go well above the conforming figure with nothing down. Not every lender prices VA loans aggressively, which is exactly the kind of gap shopping the market closes.

Serving San Diego County coast to inland

Mike works with borrowers across the county, from downtown and Coronado to La Jolla, Carlsbad, Encinitas, Oceanside, Chula Vista, El Cajon, Escondido, and the inland communities out toward Ramona and Alpine. Condo financing gets its own attention here, since warrantable and non warrantable projects price very differently and many San Diego buildings fall on the wrong side of that line with the wrong lender. See the full loan program list, or call and describe the property.