Dustin Ngo

Loan Officer

NMLS# 1748088 | DRE# 02233135

858.231.8730
[email protected]
11234 El Camino Real, San Diego, CA 92130

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Dustin Ngo is a detail-oriented mortgage professional focused on creating a simple, yet precise loan process through exceptional service, accuracy, and efficiency. Early in his career in the financial services industry, Dustin realized his passion for helping individuals with their financial needs. With customer service being one of his top priorities, Dustin was drawn to RWM’s ability to provide a more personalized and premium service to all of its borrowers.

Dustin is a San Diego native who has over ten years of experience in banking, lending, and real estate. His goal is to utilize his background in customer service, credit analysis, underwriting, and financial services to create the smoothest possible mortgage loan experience for his all of his clients. He believes that honest and clear communication is key to customer satisfaction and strives to implement this from the start of the loan until closing. Dustin is a proud recipient of the Rising Star Mortgage Professional award in 2021 and 2022 as well as the Five Star Mortgage Professional award in 2024.

Serving: AL, AZ, CA, FL, IL, MT, NV & TX

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Resource & Guides

Get Pre-Approved

Wondering how much home you can afford? Getting pre-approved for your next home loan gives you a clear picture of your buying power before you start shopping. It helps you set realistic expectations, target the right price range, and make stronger offers when you find the home you love. Pre-approval also gives you an advantage in competitive markets, showing sellers that you’re a serious and prepared buyer.

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Refinance Your Home

Refinancing your home can be a smart way to reach new financial goals, whether you’re looking to lower your monthly payment, shorten your loan term, or access your home’s equity for cash. Life changes, and your mortgage should be able to change with it. By reviewing your current rate and exploring today’s programs, you could save money, build equity faster, or create extra flexibility in your budget. Let’s explore your refinancing options and find the best fit for your needs and long-term plans.

Simplify My Finances

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Down Payment Assistance

Buying a home can feel overwhelming, especially when it comes to the upfront costs. The good news is that there may be down payment assistance programs designed to help, and many people do not even realize they qualify. Taking a moment to explore your options could make a big difference in how soon you are able to buy. See what help is available and take a simple step toward homeownership.

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Loan Programs

Explore a variety of home loan programs designed to fit your goals, whether you’re purchasing, refinancing, or investing in your future, with options tailored to your needs. Our dedicated lending experts are here to guide you every step of the way, helping you find the right solution with confidence and ease.

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First-Time Homebuyer Guide

Becoming a homeowner has tremendous benefits both in your personal and professional life, especially for a first-time homebuyer.

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Millennials and Homebuying

Featuring Dustin Ngo as Guest Author, he digests the key characteristics and behavior of millennials that affect how they buy a home.

Start Smart

Share a quick snapshot of your budget and goals, and your loan advisor will set clear process expectations.

Get Pre-Approved

Apply online, upload documents, and after review and verification, receive a pre-approval letter to strengthen offers.

Finish Strong

Once your offer is accepted, we streamline underwriting to closing, then you sign and get your keys.

Meet My Team

We make it happen by combining our expertise, dedication, and personalized approach to ensure your dream home becomes a reality.

Ashley Enniss

Loan Officer Assistant/Processor

Mortgage Blog

What to Do After Visiting an Open House

August 18, 2026

Open houses have a way of sticking with you. One minute you’re walking through a…

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August 2026: Homeownership Update Is Here

August 13, 2026

Does Age Matter When Getting a Mortgage? Age alone doesn’t determine whether you can get…

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Reverse Mortgages Then and Now: How Today’s HECM Is Different

July 15, 2026

When people hear the words reverse mortgage, there is often an immediate reaction. A pause….

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I am authorized to do business in the states of Arizona, California, Florida, Montana, Nevada and Texas. AZ Mortgage Banker Lic# 1050174; AZ Branch Lic. #0947596; RWM Home Loans AZ Lic. #0947596; Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act