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Find the Best Mortgage Lenders in San Diego, CA

With the city’s large military presence, a growing biotech sector and a robust hospitality industry, San Diego housing is in constant demand. A mortgage company can help figure out what type of loan fits your needs, consider financing options and walk you through the paperwork. We researched the best mortgage companies in San Diego to assist you in realizing your homeownership dream.

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    Compare Top Mortgage Lenders

    #1 OUR FAVORITE
    AmeriSave
    Overall satisfaction rating
    • Online qualification
    • Jumbo loans
    • Low downpayment options
    • FHA lenders

    Free online quote!

    (866) 815-0655 Read More
    #2
    HomeDirect
    Overall satisfaction rating
    • Mortgage calculator
    • VA lender
    • Application online
    • Quotes available

    This direct lender is a division of Bank of Oklahoma Financial. It uses the latest technology like an online automated application system to help clients get the money and information they need as efficiently as possible.

    Read More
    Home Plus Mortgage
    • Conforming lender
    • FHA loans
    • Adjustable rates
    • Fixed mortgages
    Location
    2878 Camino Del Rio South, Ste. 402
    San Diego, CA 92108
    (619) 325-8282
    Transparent Mortgage
    • Online pre-approval
    • Refinance loans
    • No appraisal fees
    • Purchase loans
    Location
    555 W. Beech St., Ste. 240
    San Diego, CA 92101
    (619) 929-0199
    Community Mortgage
    • M-F: 9am - 6pm
    • Closed Sat and Sun
    • calcommunitymortgage.com
    Location
    814 Morena Blvd., Ste. 310
    San Diego, CA 92110
    (619) 692-3630
    JMJ Financial: Maureen Martin
    • M-F: 8am - 6pm
    • Closed Sat and Sun
    • sandiegohomelender.com
    Location
    9255 Towne Centre Dr., Ste. 460
    San Diego, CA 92121
    (619) 857-7191
    Mountain Trust
    • M-F: 9am - 5pm
    • Closed Sat and Sun
    • mountaintrustmortgage.com
    Location
    16486 Bernardo Center Dr., Ste. 368
    San Diego, CA 92128
    (858) 376-1299
    Mission Home Mortgage
    • M-F: 8am - 5pm
    • Closed Sat and Sun
    • missionhomemortgage.com
    Location
    3033 5th Ave., Ste. 420
    San Diego, CA 92103
    (619) 688-0011
    San Diego Funding
    • M-F: 8am - 5pm
    • Closed Sat and Sun
    • sdfunding.com
    Location
    2468 Historic Decatur Rd., Ste. 160
    San Diego, CA 92106
    (619) 260-1710
    San Diego Mortgage News
    • M-F: 9am - 5pm
    • Closed Sat and Sun
    • sandiegomortgagenews.net
    Location
    16644 W Bernardo Dr., Ste. 100
    San Diego, CA 92127
    (619) 312-0612
    MAR Financial
    • Open 24 hours
    • marfinancial.net
    Location
    10620 Treena St., Ste. 230
    San Diego, CA 92131
    (858) 947-3664
    Cross Country
    • M-F: 6am - 7pm
    • Closed Sat and Sun
    • sandiegocrosscountry.com
    Location
    225 Broadway, Ste. 1600
    San Diego, CA 92101
    (858) 252-1401

    How to choose a mortgage lender in San Diego

    San Diego skyline

    A mortgage company helps determine your price range and what type of loan best fits your financial situation.

    Many military families in San Diego take advantage of VA home loan benefits. Special U.S. Department of Agriculture (USDA) loans might be available for those buying homes in rural areas of San Diego County, including Fallbrook, Valley Center, Ramona, Julian, Bonsall, Jamul, Alpine and Pine Valley.

    To purchase condominiums and townhomes, urban residents in San Diego can inquire about FHA loans, which are sometimes easier to qualify for and have a lower down payment than conventional loans. The Department of Housing and Urban Development provides information for homebuyers in San Diego.

    Buyers in most San Diego neighborhoods will find that the city’s median home price of $570,000 exceeds the maximum conforming loan limit, which is $424,100 in San Diego County. Homebuyers looking to take out a loan above this amount will need to obtain a jumbo loan. Mortgage refinancing might be a desirable option for homeowners in areas of San Diego that have experienced significant changes in home values, like Solana Beach or Spring Valley.

    Real estate market trends and home values in San Diego

    During the economic downturn, new home-building in San Diego did not keep pace with population growth. Consequently, San Diego is experiencing rising prices and shrinking inventory of homes for sale. San Diego home prices reached lows in 2009 and have risen steadily since. Projections show prices continuing to rise, considering the influx of homebuyers and shortage of housing.

    In 2018, the San Diego median home price reached $570,000. Among the neighborhoods that saw the biggest increases in median prices were Logan Heights, up to $360,000, and Ocean Beach, up to $1,066,000. North County had the most home sales, especially Oceanside, where median price is about $500,000.

    Median home prices in San Diego County

    Location Median home price
    Downtown $594,400
    Del Cerro $523,600
    La Jolla $1.6 million
    Chula Vista $532,100
    Carmel Valley $1 million

    New neighborhoods are growing around San Diego, especially in southern and northern parts of the county. Urban infill in central San Diego is bringing new residences to existing neighborhoods. New homes in San Elijo Hills, a north county community, are near hiking trails, restaurants and shops. Median price there is $528,000.

    Eastlake and Otay Ranch in the south bay have a median home price of $463,000 and offer shopping, parks and a relatively short commute to downtown. New construction in downtown’s East Village puts residents near the ballpark and the city’s nightlife.

    San Diego Mortgage Companies Reviews

    AmeriSave

    AmeriSave was founded in 2002. Zillow reviewers give the company high marks, earning it the 5-Star Lender Reward. AmeriSave offers customers the option of getting preapproved to expedite the buying process. Enroll in the AmeriSave Advantage program for links to a network of San Diego area real estate agents and the possibility of earning a cash back reward.

    AmeriSave (866) 815-0655

    HomeDirect

    HomeDirect is a direct lender based in Kansas City. They service the loans they make. Homebuyers will appreciate their informative website, which details the mortgage process and documents required. Reviewers in California report mixed experiences, including great service on VA loans and long waits for closing.

    HomeDirect

    Home Plus Mortgage

    Home Plus Mortgage has its corporate headquarters in San Diego. As a mortgage broker, this company shops around for different lenders to offer you the best rate. A large majority of reviewers in Southern California, including customers that were both first time homebuyers and refinancers, give this company five stars for clear communication and friendly customer service.

    Home Plus Mortgage

    Transparent Mortgage

    Transparent Mortgage is based in the Little Italy neighborhood of San Diego and serves all of California. This company offers a Clear Terms Agreement, which guarantees that if all of the information you provide is verified, they will adhere to the rates and terms they quote originally. San Diego customers enjoy the personal service provided by the business owners and associates.

    Transparent Mortgage