Compare 27 mortgages & home loans companies serving San Diego, California. Average rating: 4.4/5.
California regulates payday loans at a maximum of $300 with a $45 fee cap. The DFPI oversees all consumer lending and enforces the California Consumer Financial Protection Law. Consumers have strong rights under the state's comprehensive lending regulations, including the ability to file complaints online with the DFPI.
Synergy One Lending is a digital-first mortgage lender offering home purchase, refinance, HELOC, and home equity products with an emphasis on speed and customer experience.
Best for: Tech-savvy homebuyers and refinancers who prefer mobile app-based mortgage processes over traditional in-person lending, Home equity borrowers seeking fast access to funds (home equity lines of credit and second mortgages)
San Diego-based reverse mortgage specialist offering HECM and Jumbo reverse mortgages. Owner John Correll holds 25+ years lending experience and CRMP certification.
Best for: Homeowners 62+ seeking to access home equity while remaining in their primary residence, Retirees looking to supplement retirement income or consolidate existing debts
California Lending Company is a BBB A+ rated mortgage brokerage offering home purchase loans, refinancing, and multiple loan programs across California.
Best for: California homebuyers with non-traditional income or credit profiles seeking Bank Statement or Non-QM loans, Military service members and veterans exploring VA Loan refinancing and IRRRL options
San Diego-based mortgage broker offering home purchase, refinance, FHA, VA, and jumbo loans with emphasis on borrower education and transparency.
Best for: First-time home buyers in San Diego seeking educational guidance and explanation of the mortgage process, Military members or veterans exploring VA loan options with a lender emphasizing personalized service
Finance of America is a reverse mortgage lender serving homeowners 55+ for over 20 years, offering home equity access without monthly payments or refinancing.
Best for: Homeowners age 55+ with substantial home equity seeking retirement income without monthly payments, Senior homeowners facing tight financial deadlines or rejection from traditional lenders
San Diego-based mortgage lender offering residential home purchases and refinances with claims of competitive rates, flexible loan options, and fast approval times.
Best for: California homeowners seeking refinancing with hands-on loan officer service, San Diego and Los Angeles County home buyers preferring direct relationships over automated lenders
Synergy One Lending is a digital-first mortgage lender offering home purchase, refinance, HELOC, and home equity products with an emphasis on speed and customer experience.
Best for: Tech-savvy homebuyers and refinancers who prefer mobile app-based mortgage processes over traditional in-person lending, Home equity borrowers seeking fast access to funds (home equity lines of credit and second mortgages)
San Diego-based reverse mortgage specialist offering HECM and Jumbo reverse mortgages. Owner John Correll holds 25+ years lending experience and CRMP certification.
Best for: Homeowners 62+ seeking to access home equity while remaining in their primary residence, Retirees looking to supplement retirement income or consolidate existing debts
California Lending Company is a BBB A+ rated mortgage brokerage offering home purchase loans, refinancing, and multiple loan programs across California.
Best for: California homebuyers with non-traditional income or credit profiles seeking Bank Statement or Non-QM loans, Military service members and veterans exploring VA Loan refinancing and IRRRL options
San Diego-based mortgage broker offering home purchase, refinance, FHA, VA, and jumbo loans with emphasis on borrower education and transparency.
Best for: First-time home buyers in San Diego seeking educational guidance and explanation of the mortgage process, Military members or veterans exploring VA loan options with a lender emphasizing personalized service
Finance of America is a reverse mortgage lender serving homeowners 55+ for over 20 years, offering home equity access without monthly payments or refinancing.
Best for: Homeowners age 55+ with substantial home equity seeking retirement income without monthly payments, Senior homeowners facing tight financial deadlines or rejection from traditional lenders
San Diego-based mortgage lender offering residential home purchases and refinances with claims of competitive rates, flexible loan options, and fast approval times.
Best for: California homeowners seeking refinancing with hands-on loan officer service, San Diego and Los Angeles County home buyers preferring direct relationships over automated lenders
Instant Loan Processing is a mortgage loan processing and coordination service specializing in residential and commercial loan types with guaranteed 24-hour turnaround times.
Best for: Mortgage loan originators and brokers seeking third-party processing services, Mortgage companies needing to scale processing capacity without hiring staff
Intercap Lending's San Diego branch offers comprehensive mortgage solutions including conventional, FHA, VA, USDA, and jumbo loans across California.
Best for: First-time homebuyers seeking guidance on FHA, VA, or USDA loan programs, Real estate investors looking for jumbo loans or investment property financing
San Diego-based mortgage lender offering fixed and adjustable rate mortgages for home purchases, refinances, and debt consolidation with online applications and loan officer support.
Best for: San Diego-area homebuyers seeking personalized mortgage service with community-based loan officers, Borrowers comfortable with online applications who want to pre-qualify before formal application
Lantzman Lending is a direct hard money lender serving California and Nevada with private loans from 8% APR and closings in 48-72 hours for real estate investors.
Best for: Fix-and-flip investors needing quick capital (48-72 hour closings) to close time-sensitive deals conventional lenders cannot fund, Real estate investors with non-conventional scenarios (inherited properties, foreclosures, multiple properties, complex situations) rejected by traditional lenders
Lennar Mortgage San Diego specializes in financing new construction homes from Lennar Family of Builders. They offer pre-qualification, digital mortgage applications, and personalized loan officer support.
Best for: First-time homebuyers purchasing new construction from Lennar Family of Builders in San Diego, Lennar buyer customers seeking pre-qualification and guidance through the mortgage process
Veteran-owned hard money and private lending firm specializing in residential and commercial real estate loans with fast closings and non-traditional qualification.
Best for: Real estate investors doing fix-and-flip projects who need fast capital deployment, Borrowers in time-sensitive deals where traditional bank timelines would cause loss of opportunity
San Diego-based hard money lender offering private, non-traditional mortgages for residential and commercial properties from $50K-$5M+, with same-day approvals and fast closings.
Best for: Real estate investors doing fix-and-flip projects with short timelines and tight deadlines, Borrowers with poor credit or non-traditional income who don't qualify for bank financing
VA-approved mortgage lender specializing in home purchase and refinance loans for veterans and active duty service members since 2004.
Best for: Veterans and active duty service members purchasing a primary residence for the first time, Existing homeowners seeking VA loan refinancing with demonstrated military service
New American Funding's San Diego branch offers mortgage lending services including conventional, FHA, VA loans, and cash refinancing for homebuyers and homeowners.
Best for: First-time homebuyers in San Diego qualifying for the Pathway to Homeownership program seeking down payment assistance, Veterans and active duty military seeking VA loans with no down payment requirement
California-based mortgage lender offering instant rate quotes for home purchases, refinances, and cash-out loans across all property types and credit profiles.
Best for: California homebuyers seeking quick rate quotes for purchase mortgages, Existing borrowers in California considering refinances (cash-out or rate-and-term)
OneTrust Home Loans is a mortgage lender offering conventional, FHA, USDA, VA, jumbo, reverse, and portfolio loan programs with emphasis on customer service and streamlined digital document processes.
Best for: Homebuyers seeking conventional, FHA, USDA, or VA financing for primary residence purchases, Existing homeowners age 62+ exploring reverse mortgage options to access home equity
PrimeLending San Diego is a mortgage lender offering home purchase, refinance, renovation, and VA loans through a team of experienced loan officers in the San Diego area.
Best for: Military service members and veterans seeking VA loans with no down payment requirement, San Diego-area homebuyers seeking local expertise and 24/7 loan officer accessibility
Proptero is a private hard money and bridge lender specializing in real estate investor financing, offering fix-and-flip loans, bridge loans, and rental property financing with fast approval timelines.
Best for: Real estate investors and house flippers needing quick capital for fix-and-flip projects, Developers seeking bridge financing to close quickly between property acquisition and traditional refinancing
Southern California mortgage lender offering home purchase, refinance, FHA, VA, and jumbo loans since 1981 with direct lending capabilities.
Best for: Southern California home buyers with complex purchase scenarios (bridge loans, short escrows, multiple borrowers), Borrowers prioritizing relationship-based lending and personal accessibility over online convenience
San Diego Home Loans is a mortgage broker serving Arizona, California, and Texas, specializing in home purchases, refinances, and cash-out refinancing with fast funding options.
Best for: Home buyers in Arizona, California, or Texas seeking a streamlined online mortgage application process, Homeowners looking to refinance and wanting to compare multiple mortgage rate options before committing
Full-service mortgage lender in San Diego specializing in purchase loans, refinances, and reverse mortgages for borrowers at all life stages.
Best for: San Diego homebuyers seeking purchase financing across conventional, FHA, or VA loan programs, Current homeowners interested in refinancing to lower rates or access home equity cash-out
Unable to verify company details—website returns 403 Forbidden error, preventing assessment of San Diego Mortgage Lending Solutions' actual services and legitimacy.
Best for: Consumers in San Diego, California looking for personal lending services, People who prefer working with a local personal lending provider
San Diego Purchase Loans is a mortgage lender licensed in 48 states offering specialized home purchase and refinance loans, including non-QM, jumbo, FHA, VA, and asset-based mortgage programs.
Best for: Self-employed borrowers and business owners with variable income who cannot document earnings with W-2s, Borrowers with substantial investment portfolios but insufficient traditional income for standard mortgage qualification
San Diego-based direct hard money lender offering fast real estate loans secured by residential, commercial, and industrial properties with 7-10 day funding and no prepayment penalties.
Best for: Real estate investors needing quick capital for property purchases or bridge loans between transactions, Property owners with poor credit or non-traditional income seeking to leverage real estate equity
Valor Lending Group is a nationwide real estate lender offering jumbo loans, stated income loans, construction financing, and hard money options for borrowers traditional banks reject.
Best for: Self-employed borrowers and business owners with strong cash flow but inconsistent tax returns, Real estate investors seeking DSCR or hard money loans for rental properties or fix-and-flip projects
First California Funding is an online mortgage lender offering home purchase loans, refinancing, FHA loans, and reverse mortgages with personalized quotes and online application tools.
Best for: California homeowners seeking to refinance existing mortgages with online convenience, First-time home buyers interested in FHA loans with lower down payment requirements