Financing for Homes in
San Diego

Searching for a home in San Diego or beyond? Let us help with your financing! Whether you’re a first-time homebuyer, a repeat buyer, or looking to refinance, our loan officers offer specialized resources and personalized options. Let’s get you pre-approved for a mortgage in your desired neighborhood—from San Diego to select states nationwide.

Find Your LO

Branch Info

Contact Us

858.794.2155

Address

11234 El Camino Real
San Diego, CA 92130

Business Hours

Monday – Friday
9 AM – 5 PM
By appointment only

Loan Officers in San Diego

Licensed in select states nationwide, our loan officers based in San Diego will create a custom financing solution to meet your goals.

Alana Baldwin

Loan Officer | NMLS#: 1381481

Alexandra Moliterno

Loan Officer | NMLS#: 2558727

Ally Gelhaar

Loan Officer | NMLS#: 2219455

Ana Boaz Gorham

Loan Officer | NMLS#: 2009252

Andrew Clement

Loan Officer | NMLS#: 1998997

Angela Martinez

Loan Officer | NMLS#: 690945

Angela Montesano

Loan Officer | NMLS#: 294051

Bobbi Jo Hanson

Loan Officer | NMLS#: 1376250

Charman Stevens McGraw

Loan Officer | NMLS#: 278080

Chris Burke

Loan Officer | NMLS#: 156749

Dustin Ngo

Loan Officer | NMLS#: 1748088

Erica Lo

Loan Officer | NMLS#: 1673676

Frank Callahan

Loan Officer | NMLS#: 459766

Frederick Middlebrooks

Loan Officer | NMLS#: 2379466

Greg Pettersen

Loan Officer | NMLS#: 1105928

Hazel Jackson

Loan Officer | NMLS#: 334721

John Adkins

Loan Officer | NMLS#: 877991

John Little

Loan Officer | NMLS#: 372271

John Martin

Loan Officer | NMLS#: 276442

Kelson Penn

Loan Officer | NMLS#: 2011790

Kristen Livingston

Loan Officer | NMLS#: 1036089

Lauren Fotsch

Loan Officer | NMLS#: 2119014

Lauren Terrett

Loan Officer | NMLS#: 256690

Laurie Smith

Loan Officer | NMLS#: 334022

Louis Stathakis

Loan Officer | NMLS#: 282315

Mark Nokes

Loan Officer | NMLS#: 457655

Olivia Figuered

Loan Officer | NMLS#: 266729

Phil Gerisilo

Loan Officer | NMLS#: 1997578

Randolph Kramb

Loan Officer | NMLS#: 130866

Raul Garcia

Loan Officer | NMLS#: 1205424

Robbie Roberts

Loan Officer | NMLS#: 482894

Roger Tso

Loan Officer | NMLS#: 284411

Ryan James Lischer

Loan Officer | NMLS#: 1398439

Scott Morse

Loan Officer | NMLS#: 274153

Scott Olson

Loan Officer | NMLS#: 358578

Sean Kelly

Loan Officer | NMLS#: 284380

Shanne Sleder

Loan Officer | NMLS#: 239958

Susanne Livingston

Loan Officer | NMLS#: 53051

Timothy Haas

Loan Officer | NMLS#: 242121

Tom Reid

Loan Officer | NMLS#: 130868

Victoria Nash

Loan Officer | NMLS#: 1599768

Walter Hanson

Loan Officer | NMLS#: 1529907

Are You a First-Time Homebuyer?

As a first-time homebuyer, you might have questions about financing and understanding the process. With our knowledge and specialized resources, we’re here to help you every step of the way.

Homebuying Benefits

Long-term stability

Tax benefits to owning

Build equity and wealth

Appreciating assets

Predictable monthly payments

A secure retirement

How We Add Value

Community lender

Award-winning service

Certified Pre-Approval

17-Day Close Guarantee

Modernized process

Wide variety of loan programs

Financial guidance for life

Loan Options

We have several programs to help your financial goals

Traditional Loans

Conventional

Conventional loans offer advantages for those who qualify and offer financing for property types that are commonly restricted by other loan types.

FHA

An FHA loan provides a government-insured loan with flexible loan options. Less strict credit requirements and qualifications make this loan the easiest loan for buying a home or refinancing. Save money with lower interest rates on FHA loans. We are here to help you with your planning and pre-approval process.

Jumbo

A jumbo loan is a type of mortgage that exceeds the conforming loan limits set by the Federal Housing Finance Agency (FHFA). These limits vary by location but are generally higher in areas with expensive real estate markets. With a choice between fixed or adjustable rates, a jumbo loan offers flexibility for home financing for larger loans.

USDA

The USDA loan program is designed to provide low-to-moderate-income families the opportunity to purchase a home in rural and suburban communities. USDA loans make buying a home more accessible by providing 100% financing—meaning no down payment is required.

Trending Programs

Community Lending

This unique opportunity doesn’t have any first-time homebuyer requirements and may create hundreds of dollars worth of monthly savings.

Buy Before You Sell

Worried about contingencies holding purchase back? Our partnership with Homelight allows homeowners to buy a home before selling their current home.

Down Payment Assistance

With assistance options in the form of loans and grants including as low as 0% down payment, you can purchase a home without draining your savings account!

Earn the benefits of a VA loan—a powerful tool to help you achieve homeownership with incredible benefits, including no down payment and flexible terms.

…and so much more

Frequently Asked Questions

What is mortgage pre-approval, and why is it important?

Pre-approval is a lender’s conditional commitment to loan you money based on your income, credit, and financial situation. It helps you understand your budget and makes you a stronger buyer in competitive markets.

What are closing costs, and how much should I expect to pay?

Closing costs cover lender fees, title insurance, taxes, and other expenses. They typically range from 2% to 5% of the home’s price. Some sellers may offer to help cover these costs.

How much money do I need for a down payment?

Down payments typically range from 3% to 20% of the home’s price. Some loan programs, like FHA, VA, and USDA loans, offer low or no down payment options.

How do I securely provide my documents?

The best way is through our RWM Fluid App portal where you completed the application. You can either log in via desktop or download the mobile app for easier access.

Why do I need to provide everything upfront?

Purchasing a home has many moving parts, and we want to set you up for success. We pre-underwrite our loans to ensure your offer is strong. In order to achieve an underwriting pre-approval, we must request documents upfront, which also saves you time once you’re under contract.

What documents do I need to provide?

Once you have completed your application, our team will update your portal with all the required documents. We don’t want you to gather anything unnecessary, so we customize each needs list to our client and scenario.

What if I don’t have an answer to a question on my application?

Fill it out as much as you can and give us a call when you encounter any questions that aren’t clear or applicable. We will walk you through the process and they can always add to it later.

Homebuying resources for San Diego and beyond

San Diego Mortgage Blog

Which Mortgage Has the Lowest Down Payment?

December 15, 2025

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December 3, 2025

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Loan Limits 101: Why They Keep Rising & Why That’s Good News

November 18, 2025

You may hear the term loan limit come up during the homebuying process. But what…

November 2025: Everything You Need to Know

November 5, 2025

How The Government Shutdown Affects The Housing Market Even with the government shutdown, the housing…

A close-up of a house gutter filled with dry autumn leaves and a baseball, with colorful fall foliage scattered across the gray shingle roof.

Why Cleaning Your Gutters This Fall Can Save You Thousands Later

October 28, 2025

As a homeowner, your house is one of your biggest investments, and protecting it means…

A couple with their young child standing in a room under renovation, looking at a smartphone together. The woman holds a paint scraper, while the man holds the child in one arm. A worktable with tools, a ladder, and partially stripped window frames are visible in the background.

8 Things to Know Before a Home Renovation

October 6, 2025

Home renovations are an exciting way to refresh your space, boost comfort, and increase value….

Apply, Upload, and Close – All with the Fluid App

Stay secure, stay connected, and let RWM guide you home with the convenience of the Fluid App. Designed for today’s lifestyle, it lets you manage your entire home loan process from your phone—anytime, anywhere.

SECURE DOCUMENT SCANNER

FAST & EASY PROCESS

REAL TIME LOAN UPDATES

Financing for Homes inSan Diego