Areas served: San Diego, CA and surrounding San Diego County
San Diego's housing market, characterized by high median home prices and diverse neighborhoods from coastal communities to inland suburbs, requires mortgage brokers who understand local market conditions. This directory covers licensed mortgage professionals serving San Diego and surrounding areas, evaluated on loan program variety, rate competitiveness, closing timelines, and borrower support. Whether financing a downtown condo, a North County single-family home, or investment property, these brokers offer access to conventional, FHA, VA, and jumbo loan products.
Express Lending, a Guild Mortgage Company branch in San Diego, is led by Branch Manager Biren Desai and staffed by a team of experienced loan officers with NMLS credentials. They specialize in a full range of home financing options including FHA, VA, USDA, Conventional, Jumbo, Renovation loans, and down payment assistance programs. With local processing, underwriting, and funding, they serve San Diego homebuyers with personalized service backed by Guild's 60+ years of national lending experience.
“Guild Mortgage was exceedingly helpful in facilitating the loan process for my home purchase. As a first time home buyer, Cheryl and her staff helped me understand the process fully and presented every program and option available. This assistance absolutely made the deal happen. I couldn't be more satisfied with their service.”
— Tim Freeman, Google Review · 5 ★ avg from 2805 reviewsRWM Home Loans is a family-owned mortgage company in San Diego, CA with a perfect 5.0-star rating from 711+ Google reviews. They specialize in personalized mortgage advising with programs including VA loans, down payment assistance, Buy Before You Sell options, and first-time homebuyer support. Their relationship-first approach and lifetime commitment to real estate advising have made them one of San Diego County's most trusted mortgage lenders.
“I had a fantastic experience working with Sean and his team. From the very beginning, they were incredibly knowledgeable and took the time to explain every detail of the mortgage process, which gave me a lot of confidence in my decisions. Their communication was top-notch—I was never left wondering about the status of my loan. If you want a team that is professional, responsive, and truly knows the industry, I highly recommend Sean”
— Kyle Brown, Google Review · 5 ★ avg from 707 reviewsWest Coast Funding Team of E Mortgage Capital is a San Diego mortgage lending team led by experienced loan officers specializing in purchase loans, refinances, VA loans, FHA loans, and jumbo financing. Operating 24/7 from their Mission Valley office, they're known for rapid pre-approvals, personalized service, and guiding first-time homebuyers and experienced investors through the financing process. With a perfect 5.0-star rating from 429+ Google reviews, they serve San Diego County and Southern California homebuyers with competitive rates and same-day responses.
“⭐️⭐️⭐️⭐️⭐️ 5-Star Review Eric was absolutely stellar in helping my wife and me close on our home loan in under 20 days, a truly outstanding accomplishment that met all VA loan standards. From start to finish, the service felt personal, attentive, and seamless. It honestly felt like we had our own dedicated mortgage team working around the clock to guide us through the process. Eric was available 24/7 to answer any questions we had, no matter how big or small. That level of dedication and responsiveness made a huge difference and gave us real peace of mind throughout the entire transaction. If you're in the market to purchase a home or are looking for a top-notch mortgage company, I highly recommend working with Eric and his team. The accolades and glowing reviews you see online are absolutely well deserved!”
— Michael McQuay (Pogi1973), Google Review · 5 ★ avg from 429 reviewsThe Wise Guys Mortgage, powered by C2 Financial, is a mortgage brokerage led by Nick Dexter serving the Temecula and Southern California region. They offer a full suite of loan products including purchase mortgages, refinancing, VA loans, FHA loans, and jumbo loans, with a focus on personalized service and fast closings. The team combines digital tools (online applications, the Loanzify app, mortgage calculators) with direct loan officer support to streamline the mortgage process.
PrimeLending's San Diego branch is led by Branch Manager Mike Radi (NMLS# 188397) and features a team of experienced local loan officers with decades of combined San Diego lending expertise. They specialize in purchase loans, refinancing, renovation loans, and VA loans, serving San Diego County with a 5.0-star rating from 237+ Google reviews. The team lives and works locally in San Diego, providing personalized mortgage solutions with efficient closing timelines.
“We had the absolute best experience with Kenia Costa and Erika from PrimeLending! Thanks to their outstanding guidance and support, we were able to purchase the home of our dreams. Their availability to answer every question—no matter how big or small—was truly impressive and set them apart from any other company we’ve dealt with. Both Kenia and Erika are incredibly kind, charismatic, and professional. They explained every detail of the process with amazing clarity, especially when it came to fees and financing options. What stood out the most is that they always recommended what was genuinely best for us—not just what would benefit them. That kind of honesty and care is rare. I wholeheartedly recommend them to anyone looking for mortgage services. Their service was nothing short of exceptional. We absolutely loved working with them!”
— Thamires O’Neill, Google Review · 5 ★ avg from 237 reviewsSam Baugh M5 Financial is an independent mortgage brokerage in San Diego led by Sam Baugh (NMLS #291966), a top 1% originator nationwide with over $50 million in closed volume. As an independent broker working with M5 Financial, Sam shops the entire market to secure the best rates and fees for clients across California — from first-time homebuyers to seasoned investors. Known for a transparent, hands-on approach and consistently competitive rates, the team serves clients throughout San Diego County and California with conventional, jumbo, VA, FHA, and non-QM loans.
“Sam was an amazing financial consultant. We have bought four houses in less than two years and used many finance and mortgage brokers. My experience with Sam, was amazing. From our first conversation, I felt confident that he was able to secure a loan. He was honest, polite and responsive. Most mortgage brokers are good, but when you have a difficult situation, you need an expert like Sam. His team was also courteous and thorough. Their processes are seamless. I would highly recommend Sam Baugh for all of your mortgage needs.”
— michael schwartz, Google Review · 5 ★ avg from 180 reviewsMAR Financial Inc. is a boutique mortgage brokerage founded in 2007 by Renzo Marsano, serving homebuyers and homeowners across California and Tennessee. They specialize in finding the best rates by shopping multiple lenders for all loan types — conventional, jumbo, FHA, VA, USDA, reverse mortgages, bank statement loans for self-employed, and DSCR loans for real estate investors. With offices in San Diego, CA and Gallatin, TN, they're known for personalized service and fast processing, treating each client as an individual rather than a number.
“Renzo was amazing to work with as first-time home buyers. He guided us through every step of the process, kept us informed, and made sure we understood everything along the way. Communication was excellent, and he was always available to answer questions. Renzo also helped us successfully navigate challenges during the government shutdown, which made a stressful situation feel manageable. We truly couldn’t have asked for a better mortgage broker and highly recommend him.”
— Kaley Beckstead, Google Review · 5 ★ avg from 175 reviewsMaureen Martin is a mortgage loan officer at HomePlus Mortgage with over 27 years of experience in the San Diego, CA mortgage lending market. She specializes in a wide range of loan programs including Conventional, VA, FHA, Jumbo, Non-QM, DSCR, and Reverse Mortgages, serving first-time homebuyers, refinance clients, and complex financing situations. With a 5.0-star rating from 172 Google reviews, Maureen provides honest answers, stress-free closings, and pre-approvals in 24-48 hours throughout the greater San Diego area.
Loan Goat is a veteran-owned private and hard money lender led by Milad Shamoun, specializing in residential and commercial real estate financing in San Diego and nationwide. They're known for rapid closings (often under 10-15 days), flexible underwriting for non-traditional borrowers like self-employed investors, and hands-on guidance through complex deals. With a perfect 5-star rating from 162+ Google reviews, Loan Goat serves fix-and-flip investors, bridge loan borrowers, and real estate professionals who need fast, reliable financing when traditional banks can't deliver.
“Loan Goat saved me when I was in a bind, the process was easier than going to the bank. The people who explained and helped me understand how Loan Goat’s policies work were so nice and were very patient with me. I will definitely go to Loan Goat instead of the banks when I need help with a loan or for a mortgage👍🏼😁”
— Nicks, Google Review · 5 ★ avg from 162 reviewsSimpler Home Loans is a technology-driven mortgage lender in La Mesa, CA specializing in fast, transparent home financing. Known for their Upfront Underwritten Approvals that make buyers competitive with cash offers, they combine best-in-class digital tools with experienced Mortgage Advisors who guide clients through every step. With a perfect 5-star rating from 110+ Google reviews, they serve homebuyers throughout California who want clarity, speed, and personalized support.
“Hands down the best mortgage experience! If you’re searching for a mortgage lender, stop your search and call Simpler Home Loans now. My wife and I opened up escrow on a new home and called Danny immediately. As return clients we knew to expect a great experience but Danny and the Simpler Home Loans Team once again exceeded our expectations. The escrow process can be very stressful and if you want a lender who’s knowledgeable, dependable and transparent then you’ve met your match. Half way through our 30 day escrow we were ready to close but when rates dropped Danny was able to pivot, resubmit our loan and we still were ready to close early. Thank you Danny and the entire Simpler Home Loans Team!”
— Adday Shabilla, Google Review · 5 ★ avg from 109 reviewsPlan Prepare Home is a C2 Financial mortgage brokerage in San Diego's North Park neighborhood, led by Kyle and his team of licensed mortgage advisors. They specialize in creative financing solutions for first-time homebuyers, investors, and complex financial situations across San Diego County. Known for a methodical three-step approach (Plan, Prepare, Home) that maps personalized strategies before execution, they hold a perfect 5.0-star rating from 110+ Google reviews and are available 24/7 to support clients through the homebuying process.
“I had an excellent experience working with Jim! They were thoughtful, caring, and incredibly speedy throughout the entire mortgage refinance process. They took the time to explain each step, answer all my questions, and made what can often be a stressful process feel smooth and manageable. I truly felt supported and confident every step of the way. Highly recommend!”
— Katie Sherman, Google Review · 5 ★ avg from 108 reviewsKenia Costa (NMLS #536257) is a Senior Loan Originator with PrimeLending in San Diego, CA, bringing personalized mortgage expertise to first-time buyers, refinancers, and renovation projects. With access to 400+ home loan products and PrimeLending's 1Day AdvantEDGE program, Kenia specializes in making complex mortgage processes smooth and straightforward. She holds a perfect 5-star rating from 91 Google reviews and serves San Diego County with expertise in conventional, FHA, VA, USDA, and renovation loans.
Ez Home Lending Inc is a mortgage lending company serving San Diego and surrounding areas, specializing in home loans for borrowers of all credit profiles. They offer personalized mortgage solutions including conventional loans, FHA loans, VA loans, and refinancing options. With a focus on fast pre-approval processes and competitive rates, Ez Home Lending helps first-time homebuyers and experienced investors navigate the lending process efficiently.
America's Local Lender is a San Diego-based mortgage brokerage licensed in California, Florida, and Texas (NMLS #2550790, CA DRE #02236020). They specialize in home purchase loans, refinancing, FHA loans, reverse mortgages, and rate comparison tools, serving clients with personalized mortgage solutions and competitive rates. Operating seven days a week with extended hours, they provide fast customized quotes and service focused on integrity, making them a trusted resource for first-time buyers, refinancers, and homeowners throughout La Jolla and greater San Diego.
“I recently had the pleasure of working with Robin as our lender for securing a loan for our new home, and I couldn't be more delighted with the experience. From the moment we engaged her services, Robin demonstrated an unparalleled level of responsiveness and professionalism that truly set her apart. One of the most remarkable aspects of working with Robin was her exceptional attention to detail and her willingness to patiently address all of our questions and concerns. No query was too trivial, and she took the time to ensure that we fully understood every aspect of the loan process. Her depth of knowledge and willingness to explain intricate details put us at ease and gave us confidence throughout the entire process. Robin's efficiency was truly remarkable. Despite having short contingencies to meet, she worked tirelessly to ensure that all the paperwork was completed well ahead of schedule. Moreover, Robin's dedication to securing the best mortgage rate possible for us was evident at every step. She worked closely with us to explore various options and ultimately tailored a solution that perfectly suited our needs and preferences. Her commitment to securing the most favorable terms for her clients is truly commendable. In summary, I cannot recommend Robin highly enough. Her professionalism, responsiveness, and expertise made the entire loan process not only smooth and stress-free but also a genuinely enjoyable experience. If you're in need of a lender who goes above and beyond to ensure your satisfaction, look no further than Robin. She is an absolute gem in her field, and I am incredibly grateful for her assistance in helping us secure our dream home!”
— Alex Tangen, Google Review · 5 ★ avg from 69 reviewsDesiree Lowe is a Supreme Lending mortgage broker in San Diego with over 20 years of experience and a 5-star rating from 68+ Google reviews. She specializes in fast closings (often 9 days vs. the industry average of 47), complex condo financing (95% approval rate on difficult properties), and offering 250+ loan programs including VA, FHA, reverse mortgages, and her signature Home2Home program that lets you buy and sell simultaneously. As a top 1% lender nationwide, Desiree personally handles every client file rather than passing them to junior staff, and her in-house underwriting keeps rates competitive and timelines short.
“Desiree was amazing, she helped us so much as we went through the lending process. She is so nice, professional, and a pleasure to work with! Plus, she gets things done quickly and thoroughly. She guided us through each step along the way and checked in regularly to help get things done or make sure we knew what was needed. I would recommend her to anyone looking for a lender!”
— Samantha Gomberg, Google Review · 5 ★ avg from 68 reviewsCornerstone First Mortgage is a full-service mortgage bank headquartered in San Diego, led by President Sean Cahan with 20 years of industry experience. Unlike broker-only operations, Cornerstone handles all loan processing, underwriting, and funding in-house for faster closings and better communication. They specialize in purchase loans, refinancing, and construction financing across California, serving clients with competitive rates, innovative technology, and a 4.9-star rating from over 1,100 Google reviews.
HomePlus Mortgage is a mortgage lender serving San Diego and surrounding areas, offering a range of loan products including conventional, FHA, VA, and jumbo loans. With a focus on personalized service and competitive rates, they help borrowers navigate the mortgage process from pre-approval through closing. Their experienced team specializes in working with first-time homebuyers, refinancing clients, and borrowers with various financial situations.
Liberty National Lending Group, led by mortgage lender Mike Beal (NMLS #236308), provides comprehensive mortgage financing solutions in San Diego. Mike specializes in helping borrowers navigate loan options, pre-approval processes, and closing on their ideal home. With a focus on personalized service and local expertise, the team works to match clients with loan programs that fit their financial situation.
Conor Cappa at The Loan Me Company specializes in mortgage services for San Diego homebuyers and refinancing clients. With a focus on personalized service, Conor helps borrowers navigate loan options, secure competitive rates, and close transactions smoothly. Whether you're a first-time buyer or looking to refinance, The Loan Me Company provides expert guidance tailored to your financial situation.
Steve Wiley is a mortgage loan officer with PrimeLending, a national mortgage lender offering comprehensive home financing solutions in San Diego. He specializes in helping borrowers find the right loan products, from conventional mortgages to FHA and VA loans, with access to multiple lending options and competitive rates. Steve brings personalized service to the home buying and refinancing process, working with first-time buyers, experienced homeowners, and those looking to refinance existing mortgages.
Mortgage Advisors at Barrett Financial Group is an independent mortgage brokerage serving San Diego and surrounding areas. They provide comprehensive mortgage solutions including conventional loans, FHA loans, VA loans, and jumbo mortgages, with access to multiple lenders to find competitive rates and terms tailored to each borrower's situation. The team specializes in helping first-time homebuyers, refinancing clients, and self-employed borrowers navigate the lending process with personalized guidance.
Patriot Home Loans is a mortgage lender serving the Chula Vista area and beyond, offering competitive home financing solutions for various loan types and borrower profiles. With a focus on personalized service and quick turnaround times, they help homebuyers and refinancing clients navigate the mortgage process from pre-approval through closing. Their experienced team specializes in FHA, VA, conventional, and jumbo loans to meet diverse financial needs.
SD Mortgage Couple is a local San Diego mortgage brokerage offering personalized loan solutions for homebuyers and refinancing clients. The team specializes in helping first-time buyers navigate the lending process while also serving experienced homeowners looking to refinance. They provide access to multiple lenders and competitive rates tailored to individual financial situations.
American Pacific Mortgage is a mortgage lender serving the San Diego area with a focus on personalized loan solutions. Based in Bernardo Plaza, they work with borrowers to find competitive rates and financing options tailored to individual needs. Their experienced team helps navigate the mortgage process from pre-approval through closing.
Newrez is a mortgage lender and loan originator offering a wide range of home financing solutions in Chula Vista. They specialize in conventional loans, FHA loans, VA loans, jumbo loans, and refinancing options to help homebuyers and existing homeowners achieve their real estate goals. With a focus on competitive rates and personalized service, Newrez works with borrowers of all credit profiles to find the right loan product for their situation.
San Diego Home Loans is a mortgage brokerage serving San Diego and Southern California with access to multiple lenders and loan programs. They specialize in helping homebuyers find competitive rates and terms tailored to their financial situation, including conventional, FHA, VA, and jumbo loans. The team offers personalized pre-approval processes and works with first-time buyers through experienced homeowners to refinance existing mortgages.
Keller Home Loans is a mortgage lending company serving San Diego and surrounding areas, offering a full range of home financing solutions including conventional loans, FHA loans, VA loans, and jumbo mortgages. The team provides personalized pre-approval processes and works with multiple lenders to find competitive rates tailored to each borrower's financial situation. They specialize in helping first-time homebuyers navigate the mortgage process while also serving refinancing clients and those with unique loan needs.
Scott Evans leads a CrossCountry Mortgage branch in San Diego, offering comprehensive mortgage solutions including conventional loans, FHA loans, VA loans, jumbo loans, and refinancing options. With access to multiple lenders and a focus on personalized service, they help first-time buyers, experienced homeowners, and military veterans navigate the lending process with transparency and expertise.
Jessica Ring is a financial advisor based in San Diego specializing in personalized financial planning and investment management. With a strong track record of client satisfaction, Jessica works with individuals to develop comprehensive financial strategies tailored to their unique goals and circumstances.
Merchants Home Lending is a mortgage lender serving San Diego and surrounding areas, specializing in home purchase loans, refinancing, and mortgage solutions for various borrower profiles. With a focus on personalized service and competitive rates, they help homebuyers and current homeowners navigate the lending process from pre-approval through closing.
Guild Mortgage Company is the top-ranked mortgage broker in San Diego with a Lantern Score of 85.85/100 and a 5-star rating from 2,805 reviews. They specialize in conventional, FHA, VA, USDA, jumbo, and renovation loans, plus down payment assistance for first-time homebuyers, military service members, and high-cost market purchasers.
Guild Mortgage Company (Lantern Score: 85.85/100) and RWM Home Loans (Lantern Score: 85.72/100) are top choices for military members, both specializing in VA loans and offering comprehensive support for veterans. West Coast Funding Team of E Mortgage Capital (Lantern Score: 85.60/100) also ranks highly for VA loan borrowers and military members.
Multiple top-ranked San Diego mortgage brokers serve first-time homebuyers, including Guild Mortgage Company (Lantern Score: 85.85/100), RWM Home Loans (85.72/100), and Simpler Home Loans (84.75/100), which offers streamlined digital pre-approvals. West Coast Funding Team (85.60/100) and The Wise Guys Temecula (85.54/100) also specialize in first-time buyer solutions.
LOAN GOAT (Lantern Score: 85.11/100), a veteran-owned private and hard money lender, specializes in real estate investors and fix-and-flip projects, making it ideal for investment property buyers. The Wise Guys Temecula (85.54/100) and MAR Financial (85.17/100) also serve investment property buyers with comprehensive loan products.
Guild Mortgage Company (Lantern Score: 85.85/100) and Sam Baugh M5 Financial (85.19/100) both specialize in jumbo loans for luxury home purchases. West Coast Funding Team of E Mortgage Capital (85.60/100) and America's Local Lender (84.13/100) also offer jumbo loan solutions for high-cost market purchases in San Diego.
Simpler Home Loans (Lantern Score: 84.75/100) is a digital-first mortgage lender based in La Mesa offering streamlined home loan origination with fast pre-approvals and competitive rate quotes. Ez Home Lending Inc (84.17/100) also specializes in fast pre-approval services for San Diego borrowers.