Guide to Mortgage Companies in San Diego -

Guide to Mortgage Companies in San Diego

The high demand, low inventory, and rising interest rates make the real estate market in San Diego both attractive and challenging to decipher for home buyers.

Staying competitive with cash buyers and higher interest rates makes finding the best mortgage lenders in San Diego or a mortgage company that fits your needs crucial to avoid paying more for your home than necessary. 

Let’s face it. Certain aspects of home ownership can be challenging. But finding mortgage companies in San Diego County, California doesn’t have to be. That’s why we’ve curated this guide to help you search for mortgage companies in San Diego to help you with your home-buying needs. 

Understanding Mortgage Types

Before you check out San Diego mortgage companies, you might want to familiarize yourself with mortgage types first. The most common mortgage types are fixed-rate, adjustable-rate, FHA, and VA loans.

Fixed-Rate Loans

A fixed-rate mortgage is precisely what it sounds like – the interest rate remains fixed for the entire term of the loan. With this loan, your monthly payments will stay consistent throughout the life of your mortgage. It offers stability and predictability for those who prefer steady payments.

Adjustable-Rate Loans

Alternatively, the interest rate on an adjustable-rate mortgage fluctuates over time based on market conditions. While this type of loan usually starts with a lower initial interest rate than a fixed-rate mortgage, it can increase after an initial period ends.

FHA Loans

Then there are FHA loans backed by the Federal Housing Administration and designed to help first-time homebuyers or individuals with low credit scores qualify for a mortgage. They require a smaller down payment but come with additional costs, such as private mortgage insurance.

VA Loans

Last but not least, we have VA loans. These are available to veterans, active-duty military members, and eligible spouses. VA loans offer competitive interest rates, and they don’t require a down payment. They also don’t require private mortgage insurance.

Historically, mortgage rates have fluctuated in San Diego, just as it has in other areas of the state and the US. However, over the past few years, they have remained relatively low compared to previous decades. This means that borrowing money or using a mortgage lender in San Diego to finance your home purchase may be more affordable now than ever before.

Low interest rates can make a big difference in your wallet regarding monthly mortgage payments and overall affordability. Even a small decrease in interest rates can potentially save a homeowner a huge chunk of cheddar in terms of dollars over the life of a loan.

On the flip side, as interest rates rise, so do monthly mortgage payments. It’s important for potential buyers or those looking to refinance their current mortgages to keep an eye on these trends and act accordingly.

So what makes mortgage rates fluctuate over time? Factors such as economic conditions and Federal Reserve policies play a role in determining mortgage rate changes. Monitoring these factors can give you insights into future trends and help you make informed decisions about your home financing options.

How to Find the Right Mortgage Broker for You

One of the biggest factors to consider is the types of loan options different San Diego mortgage companies can provide. Every individual has different financial needs and goals, so it’s essential to choose a mortgage company that offers an array of loan options, and having choices allows you to find the best fit for your specific situation.

Customer service is another critical consideration when selecting a mortgage company. Buying a home can be overwhelming, so having 5-star customer service can make all the difference. Look for companies prioritizing clear communication, responsiveness, and support throughout the lending process.

Additionally, reputation plays a leading role in choosing a mortgage company in San Diego. Take the time to research reviews. Read testimonials (preferably unbiased ones) from previous customers. A reputable company with positive feedback indicates reliability and trustworthiness.

Best Mortgage Companies in San Diego

Finding and using the best mortgage companies in San Diego will save you time and money. A local mortgage company’s advantage over national ones is that they are more educated on local real estate and how it correlates with the interest rate, allowing them to offer the best rates on the market. 

Cornerstone First Mortgage Inc.

With over 30 years of experience, the friendly, professional experts at Cornerstone First Mortgage are full-service mortgage providers. As a committed mortgage lender and broker, Cornerstone offers underwriting, funding, and all aspects of loan processing in-house. Give them a call and see how they can help with your home financing today.

  • Address: 2655 Camino Del Rio North, Suite 450, San Diego, CA 92108
  • Phone: (866) 815-1803
  • Hours: Monday-Friday 9 am – 6 pm
  • Closed Saturday, Sunday

La Jolla Mortgage Companies

A View of Homes in La Jolla

If you’re looking to buy a new home in La Jolla, using the right mortgage company, one that is familiar and located in the area, is essential to help lock in a great rate. Below is the vendor list of the best mortgage companies in San Diego and La Jolla. 

America’s Local Lender

America’s Local Lender is the online resource for personalized mortgage solutions. Known for service, fast quotes, and integrity, America’s Local Leader is sure to find you great rates and hassle-free processing. 

  • Address: 7817 Ivanhoe Ave Ste 206, La Jolla, CA 92037
  • Phone: (619) 719-1372
  • Hours: 7 am – 7 pm Monday-Saturday
    Closed Sundays

Peoples Mortgage Company, Bracken Team

Phenomenal service and open communication with plenty of helpful tips for La Jolla homeowners trying to buy or refinance their homes set Brendan Bracken from the Peoples Mortgage Company apart from all others in La Jolla. 

  • Address: 7777 Fay Ave g4, La Jolla, CA 92037
  • Phone: (619) 269-9871
  • Hours: Monday-Thursday 9 am – 7 pm
    Friday 9 am – 6 pm 
    Saturday 9 am – 2 pm
    Sunday 9 am – 12 pm

Trigger Mortgage Leads

After years of being in the business, Trigger Mortgage Leads conducts comparison shopping of over 5.000 sources to provide the best loan rates available to choose from. 

  • Address: 888 Prospect St Suite 200, La Jolla, CA 92037
  • Phone: (855) 534-6337
  • Hours: Monday-Friday 9 am – 5 pm
    Closed Saturdays and Sundays

North County Coastal Mortgage Companies

Image of Homes in Encinitas courtesy of

If you’re looking to secure the best mortgage rates for real estate along the coast of North County, we have selected top vendors for you. From Encinitas to Solana Beach to Del Mar, here’s our selection of the best mortgage companies in San Diego. 

Hargrave Home Loans

Full-service home mortgage brokerage with a keen eye on service describes the Hargrave Home Loans team. With over 25 years of experience, the Hargrave team provides almost every type of loan option available.

  • Address: 208 W J St, Encinitas, CA 92024
  • Phone: (858) 304-0572
  • Hours: Monday-Saturday 9 am – 5 pm
    Closed Sundays

Maverick Mortgage

Specializing in tailor-made mortgage solutions, whether you need a new mortgage or looking to refinance, Maverick Mortgage in Solana Beach provides online resources, fast quotes, and secure financing. 

  • Address: 514 Via De La Valle, Unit 202, Solana Beach, CA 92075
  • Phone: (858) 208-0134
  • Hours: Monday-Friday 8 am – 6 pm
    Closed Saturday and Sunday

Team Home Loans

Knowledgeable and experienced in navigating the complex mortgage market, Team Home Loans of Del Mar will help you navigate the challenging maze of home finance to secure the best option for your mortgage needs. 

  • Address: 445 Marine View Ave Suite 200, Del Mar, CA 92014
  • Phone: (760) 405-0711
  • Hours: Monday-Friday 8 am -5 pm
    Closed Saturday and Sunday

North County Inland Mortgage Companies

Images of Homes in Escondido courtesy of Mark Skovorodko on

With skyrocketing property values in California, living along the coast may be out of your price range. Find a mortgage company for you east of the 5 North freeway to secure a great loan rate in the North County from Rancho Bernardo to Escondido, Vista, and more. 

Jim Kabellis – Finance of America Mortgage

Personalized service to match with exceptional knowledge to guide you to find the best remortgage rate options available to you is what Jim Kabellis of Finance America Mortgage has built his reputation on. 

  • Address: 411 S Ivy St, Escondido, CA 92025
  • Phone: (760) 484-6100
  • Hours: Monday-Sunday 8 am – 5 pm

Cornerstone Home Lending, Inc.

A mix of personalized service and innovative loan servicing provides clients with the best mortgage rates to suit every individual client’s needs. 

  • Address: 16959 Bernardo Center Dr #100, San Diego, CA 92128
  • Phone: (760) 975-7111
  • Hours: Monday-Friday 9 am – 5 pm
    Closed Saturday, Sunday

Central San Diego Mortgage Companies

Central San Diego Mortgage Companies Can Help You Finance Your New Home

Parkview Investment & Loan

With advanced technology and a human touch operating in a digital space to provide 24/7 service and care, Parkview loans offer secure, fast lending with all-day customer support. 

  • Address: 4603 Mission Blvd #219, San Diego, CA 92109
  • Phone: (858) 337-6968
  • Hours: 24 hours a day, 7 days a week

California Lending Company

Serving all qualifiers from prime to subprime borrowers, California lending company’s experienced professionals will walk you through and educate you about every step of the borrowing process. 

  • Address: 3940 Hancock St #109, San Diego, CA 92110
  • Phone: (866) 310-4545 
  • Hours: Monday-Saturday 9 am – 6 pm
    Closed Sunday

East County Mortgage Companies

Find Mortgage Companies for Your Next Home in East County San Diego. Image of El Cajon

With a combination of urban and rural living, East County offers something for everyone. Once you find your dream home, securing one of the best home loans in San Diego from a local East County Mortgage Company will make your borrowing process as smooth as possible. 

Prime Lending, A Plains Capital Company

Decades of local East County lending is a significant advantage for home buyers and people looking to refinance. Total in-house loan origination, servicing, and funding make Prime Lending convenient for all borrowers. 

  • Address: 7877 Parkway Dr. Suite 2D, La Mesa, CA 91942
  • Phone: (619) 764-4540
  • Hours:  Monday-Friday 8:30 am – 5:30 pm
    Closed Saturdays and Sundays

Granite Mortgage, Inc.

A priority on customer service and assisting the people through every step of the borrowing process is the hallmark of Granite Mortgage of El Cajon’s reputation. 

  • Address: 2614 Navajo Rd, El Cajon, CA 92020
  • Phone: (619) 718-9999
  • Hours: Monday-Friday 8 am – 5 pm
    Closed Saturdays and Sundays

South Bay Mortgage Companies

Image of Chula Vista Neighborhood in South Bay Area of San Diego Courtesy of

San Diego mortgage companies specializing in the South Bay often offer additional features, including Spanish-speaking options. 

Point Mortgage Corporation

Servicing real estate professionals, single-family homeowners, and builders for over 20 years, Point Mortgage provides full mortgage servicing 24 hours a day. 

  • Address: 2421 Fenton St, Chula Vista, CA 91914
  • Phone: (619) 475-4095
  • Hours: Monday-Friday 8 am – 5 pm
    Closed Saturdays and Sundays

Mortgage Heroes

Specializing in VA loans and conventional financing, Mortgage Heroes provides exceptional service and care for all borrowers simplifying the borrowing process and finding the best rates available for homeowners. 

  • Address: 873 Anchorage Pl, Chula Vista, CA 91914
  • Phone: (619) 658-5563
  • Hours: Monday-Friday 830 am – 8 pm
  • Saturday 12 pm – 5 pm
    Sunday 10 am – 5 pm

The Last Word About Home Mortgage Companies in San Diego

Whether looking for San Diego reverse mortgage companies or new loan, searching mortgage companies in San Diego can be challenging, and navigating the ins and outs of San Diego real estate is difficult if you don’t have a trusted partner to assist you. 

This guide is for you to find the best ones that not only make the borrowing as simple as possible, provide information about loan rates and terms, and provide exceptional customer service and care that is local and personable. 

About the author: David Throop is our San Diego-based expert for all things related to football – including fantasy football. When he is not being bitten on the ankles by precocious puppies and children he likes to spend his time outdoors.

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