The Best Home Loans in San Diego

May 26, 2022

The unprecedented housing market, especially in San Diego, has buyers and sellers looking for the best rates on their home loans. Therefore, the concerns about the FED increasing the prime rate and comments about further higher interest rate hikes and finding the best home loans in San Diego are both intelligent and necessary. 

Finding a local lender and comparing rates and options with other lenders is an intelligent strategy for borrowers. Our list of local lenders should provide you with a guide on where to look for the best rates on your home loans. 

Here’s Where to Find a Home Loan in San Diego

Finding a home loan in San Diego should focus more on lenders in the area than on a provider located out of San Diego. This is because local lenders will have a detailed understanding of the market and insights into local trends, much more so than lenders looking at datasheets from halfway across the country. 

This localized information will help lenders evaluate your needs more effectively, providing you with the home loan best situated for your buying needs. 

Home Loan Lenders in La Jolla

Finding the right lender can make a massive difference in pre-approvals if you want to purchase your next home in La Jolla. Home loan lenders offer unique insights and experienced and professional services specializing in customizable digital loan rates and options for borrowers. 

Often the service from Home Lenders will be more personalized and friendlier than traditional banks in La Jolla, which may work hourly and not on a commission. 

Prospect Home Finance

Locally operated on Fay Avenue, Prospect Home Finance specializes in making your borrowing process smooth and easy. Their team is known for being friendly and approachable, ready to educate you and guide you through the process of securing the best rates for your La Jolla real estate needs.

  • Address: 7825 Fay Avenue, Suite 160, La Jolla, CA 92037
  • Phone: (858) 605-0952
  • Hours of operation: Monday-Friday 9 am – 630 pm
    Closed Saturdays and Sundays

America’s Local Lender

Exemplary service meets speed in loan servicing is what separates America’s Local Lender from other services. The hard-working members provide on-time fast closings hassle-free. 

  • Address: 7817 Ivanhoe Ave Ste 206, La Jolla, CA 92037
  • Phone: (858) 314-8542
  • Hours of operation:  Monday-Saturdays 7 am – 7 pm 
    Closed Sundays

La Jolla Capital Group

La Jolla Capital Group has top industry professionals finding, securing, and funding home loans in San Diego easier for borrowers. Their knowledge loan servicers will answer all of your questions and make your loan application and processing stress-free. 

  • Address: 7880 Exchange Pl, La Jolla, CA 92037
  • Phone: (858) 454-9009
  • Hours of Operation: Monday – Friday  9 am-5 pm
    Closed Saturdays and Sundays

Home Loan Lenders in North County Coastal

If you’re looking north of La Jolla but still want the beachfront property, such as Del Mar, Carlsbad, Solana Beach, or Cardiff, then this list of lenders will help pair your interests with the right type of loan. 

Of course, if you’re planning on commuting to work to Naval Station Miramar or Camp Pendleton, these lenders specialize in home loans in San Diego and are also experts at VA home loans in San Diego. 

Dan Cassel

The team put together by Dan Cassel of Trinity Mortgage is a trusted brokerage with over 12 years of servicing home loans and refinancing homes throughout North County. 

The proprietary Lending Platform Technology sets Dan Cassel apart, allowing you to see mortgage loan options, rates, and lenders for qualified salaried and self-employed borrowers in real-time. 

  • Address: 11622 El Camino Real Ste 100, San Diego, CA 92130
  • Phone: (866) 310-1112
  • Hours of operation: Monday – Friday 830 am – 6 pm
    Saturdays 10 am – 2 pm
    Closed Sundays

Dustin Ngo – Consultant- RWM Home Loans

Dustin Ngo comes from the other side of lending, credit analysis, and underwriting. He utilizes this background to offer personalized loan servicing to assist borrowers in every stage of their loan process. Dustin Ngo is known for outstanding communication, service, and attention to detail. He and his team have a 24-hour response window and are full-service providers. 

  • Address: 11234 El Camino Real, San Diego, CA 92130
  • Phone: (858) 231-8370
  • Hours of operation: Monday – Sunday offices are generally open

RWM Home Loans

Forward-thinking, team-oriented RVM home loans services borrowers through every step of securing their home loan journey. The team of experienced advisors is dedicated to educating borrowers on the benefits of homeownership and empowering communities to build wealth through appreciated home equity. 

  • Address: 11234 El Camino Real, San Diego, CA 92130
  • Phone: (858) 794-2155
  • Hours of operation: Monday-Friday 9 am – 5 pm
    Closed Saturdays and Sundays

Home Loan Lenders in North County Inland

For people looking to purchase a home inland North County, especially those working around Naval Station Miramar, this list of mortgage companies and home lenders will guide you to finding the best lender for your specific needs. 

Whether you’re looking for VA loans in San Diego or traditional lending options for VA home loan eligibility, contact any professional mortgage specialists on this list to discuss your options. 

Lennar Mortgage, LLC San Diego

Lennar Mortgage, LLC specializes in home loans in San Diego with one twist, each office of Lennar Mortgage has mortgage professionals that live in the communities they serve. This localized service lets your lender understand the specific home needs from neighborhoods to the particular house you’re trying to prequalify. 

  • Address: 16465 Via Esprillo UNIT 150, San Diego, CA 92127
  • Phone: (858) 618-4923
  • Hours of operation: Monday-Friday 9 am – 5 pm
    Closed Saturdays and Sundays

Chris Catania

Specializing in simplifying the loan process to help you understand the ins and outs while finding the best-guaranteed rates for homeownership is what sets Chris Catania apart. See what others are saying about Chris Catania, and contact him today to get started on your home loan journey. 

  • Address: 10805 Rancho Bernardo Rd #130, San Diego, CA 92127
  • Phone: (858) 255-4965
  • Hours of operation: Monday-Friday 8 am – 6 pm 
    Closed Saturdays and Sundays

Cornerstone Home Lending, Inc.

At Cornerstone Home Lending, they emphasize service to educate and help you through every stage of your loan application process. But Cornerstone Home Lending takes it to another level by creating a streamlined, seamless application process for you to get into your dream house quickly and stressless. 

  • Address: 16959 Bernardo Center Dr #100, San Diego, CA 92128
  • Phone: (858) 863-4099
  • Hours of operation: Monday – Friday 9 am – 5 pm
    Closed Saturdays and Sundays

Robison Home Loans

Specializing in home loans for Escondido residents, Robison Home Loans will work with borrowers through every step of the application process for Escondido and surrounding areas. From education to applying and financing, Robison Home Loans will make the mortgage process easy to understand and navigate. 

  • Address: 508 W Mission Ave #200, Escondido, CA 92025
  • Phone: (858) 264-5748
  • Hours of operation: Monday – Friday 9 am – 5 pm
  • Closed Saturdays and Sundays

Home Loan Lenders in Central San Diego

Finding the suitable home loans in San Diego can take you to various lending institutions. What you need are mortgage lenders in a specific area of the county, so if you’re looking for lenders that are knowledgeable about central San Diego, our list will help you find the right match. 

Grander Home Loans, Inc.

What separates Grander Home Loans from all others is its location and work ethic. With offices in the center of town, Grander opens its doors 7-days a week to accommodate all its clients’ needs. 

  • Address: 3930 Oregon St STE 200, San Diego, CA 92104
  • Phone: (844) 803-0250
  • Hours of operation: Monday – Friday 9 am – 7 pm
    Saturdays and Sundays 10 am -12 pm

OneTrust Home Loans

Specializing in finding suitable loan options for borrowers from FHA, VA, Conventional, and Jumbo loans. The dedicated team at OneTrust Home Loans makes the home buying process as smooth and straightforward as can be. 

  • Address: 3131 Camino Del Río N #1680, San Diego, CA 92108
  • Phone: (888) 488-3807
  • Hours of Operation: Monday – Friday 8 am – 8 pm
    Closed Saturdays and Sundays

Home Loan Lenders in East County

East County is the largest, most diverse county in San Diego. You will have sprawling ranches, farms, tract homes, single-family residences, condos, and more, all within the area. Since the area is the most significant square footage in the county, you need a mortgage broker that specializes in and understands all that is East County. 

Granite Mortgage, Inc.

With over 17 years of experience servicing families and borrowers, Granite Mortgage understands the process and East County real estate, making them a trusted source for finance, refinance, reverse mortgages, whatever your needs may be. 

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

Broadview Home Loans

Broadview is dedicated to education both for their service providers and the borrower to make informed decisions and find the best mortgage loan package available. All of our home loan providers strive to make the borrowing process as easy as possible by talking to you every step of the way. 

  • Address: 7777 Alvarado Rd #408b, La Mesa, CA 91942
  • Phone: (619) 749-0550
  • Hours of operation: Monday – Friday 830 am – 5 pm
    Closed weekends

Eric Atilano Sr. Loan Officer

Being a local provides Eric Atilano an advantage over lenders from out of the area. With real-time insights and up-to-the-minute market data, Eric Atilano delivers his clients a secure mortgage loan rate quote in mere seconds to give you a buying advantage over other potential buyers. 

  • Address: 5360 Jackson Dr #200, La Mesa, CA 91942
  • Phone: (760) 317-6013
  • Hours of operation: Monday – Friday 830 am – 730 pm 
    Saturdays 8 am – 3 pm
    Sundays 9 am – 3 pm

BRIK Home Loans

Family-owned and operated, BRIK Home Loans is a full-service mortgage brokerage dedicated to treating clients like family. With an office in Rancho San Diego, Brik is centrally located to assist your mortgage needs in East County. 

  • Address: 3655 Avocado Blvd, La Mesa, CA 91941
  • Phone: (619) 434-0100
  • Hours of operation: Monday – Friday 9 am – 5 pm
    Saturdays 9 am – 12 pm
    Closed Sundays 

Home Loan Lenders in South Bay

From National City to San Ysidro, Eastlake to Imperial Beach, if you are looking for home loans in San Diego, specifically South Bay, this list of lenders is a compilation of experts in their communities. From navigating VA loans in San Diego to helping cross-border opportunities, check out the following mortgage lenders to guide you through the home buying process in South Bay.

Bay Equity Home Loans

Get a quick, secure mortgage loan rate online at Bay Equity Home Loans then follow up with personalized service from the team of experts with over 15 years of experience helping homeowners find the best rates and mortgage loans possible. 

  • Address: 3450 Bonita Rd #108, Chula Vista, CA 91910
  • Phone: (619) 678-1123
  • Hours of operation: Monday – Friday 9 am – 5 pm
    Closed weekends

Sam Calvano Home Loans

For over 35 years, Sam Calvano Home Loans has been helping families get the funding they need. The strength of the business is a superior knowledge of the loan industry, the local Bonita and Chula Vista markets, and the relationships made over time. 

  • Address: 4386 Bonita Rd, Bonita, CA 91902
  • Phone: (619) 470-8100
  • Hours of operation: Monday – Friday 830 am – 5 pm
    Closed weekends

San Diego Home Loans

You can expect personalized care from Andrea Gibbons of San Diego Home Loans. Knowing that rates and market conditions are constantly changing, you’ll get expert advice and tools to help you find the best rates possible. 

  • Address: 860 Kuhn Dr suite 201, Chula Vista, CA 91914
  • Phone: (619) 253-0518
  • Hours of operation: Monday – Friday 9 am – 6 pm
    Closed weekends

VA Business Loans in San Diego

We’ve been talking about home loans, but what about business loans? San Diego has a large military presence, which really helps translate into benefits for vets. If you’re a veteran and you’d like to start a small business, you might find help from the Office of Veterans Business Development (OVBD) and U.S. Small Business Administration (SBA) programs. Find out more information on SBA.gov.

FAQs for VA Home Loans in San Diego

What Is a VA Loan?

A VA loan is a federal loan guarantee for Armed Forces members to secure funding for home purchases. Some conditions may apply. A VA loan allows for a $0 money down payment and is insured by the Veterans Administration. Typically, VA loans come at lower interest rates than conventional funding but take longer to get approved.

How Does a VA Loan Work?

Eligible borrowers can use a VA loan for down-payment on a new home or refinancing of an existing home.

Who Qualifies for a VA Loan?

Depending on the time served, different qualifying terms may apply. The required time is reduced during wartime, with the average peace-time of service required between 18 and 24 months of active duty.

How Much Is the VA Loan in San Diego?

The maximum VA amount changes are adjusted based on the individual market average but often lag behind market prices. For example, in San Diego, the VA maximum loan amount is $753,250, while the median home price is above $850,000.

Does a VA Loan Make Sense in San Diego?

VA loans are a great vehicle in specific markets, but it can be a challenge in some places, such as San Diego, where the median home price exceeds the maximum VA loan. 

That said, using a VA loan to purchase a starter home, often below the median price, can be a great way for active duty service members to build equity with little-to-no money down during their duty time in San Diego.

What Is the Max VA Loan in California?

The maximum VA loan amount is currently set at $753,250. 

Is It Hard to Buy a House With a VA Loan? A VA loan is less advantageous than a conventional loan during a seller’s market. This can be due to the lowered maximum amount of a VA loan ($753,250) and more stringent purchasing rules to qualify, making some sellers look for more conventional or cash offers.

VA Home Loan Services in San Diego

If you’re looking for a VA home loan in San Diego, try one of these locations.

VA Loan San Diego

Conveniently located inside the Century 21 offices, the VA loan servicing specializes in assisting military personnel needing to relocate. 

  • Address: 5640 Baltimore Dr, La Mesa, CA 91942
  • Phone: (619) 886-2838
  • Hours of operation: Monday – Friday 9 am – 5 pm
    Saturdays closed
    Sundays closed

Veterans United Home Loans of San Diego

Specialists in assisting veterans and their families, Veterans United Home Loans of San Diego has earned the reputation as the top-rated loan mortgaging companies in the United States.  

  • Address: 6863 Friars Rd Suite 100, San Diego, CA 92108
  • Phone: (619) 296-5626
  • Hours of operation: Monday – Friday 9 am – 5 pm
    Closed weekends

VA Home Loan Center

Va Home Loan Center acts as a third-party mortgage and real estate company centered in San Diego with national reach networking to provide relocation and local purchase options for active duty, reservists, National Guard, and retiree qualifiers. 

  • Address: 9909 Huennekens St #200, San Diego, CA 92121
  • Phone: (888) 573-4496
  • Hours of operation: Monday – Friday 9 am – 5 pm 
    Saturday – Sunday Closed

Home buying in San Diego is complicated without funding. Navigating all the home loans in San Diego, finding a home to fit your needs, and closing the deal requires expertise and guidance. 

Especially if you’re looking at VA home loans in San Diego, finding a certified expert to secure your mortgage loans can be challenging. This list was composed to give you a heads up to ensure the perfect loan. 

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. Additional reporting by LaJolla.com staff.