Mortgage Broker in San Diego, CA

San Diego County's housing market is shaped by three dominant forces: military presence, biotech/defense industry employment, and international border proximity. With a median home price around $900K and a county conforming limit of $1,006,250, most San Diego purchases can use conventional financing, though coastal communities like La Jolla and Del Mar require jumbo loans. San Diego has the highest concentration of military installations in the United States — Camp Pendleton, Naval Base San Diego, MCAS Miramar, and Naval Air Station North Island — making VA loans one of our most requested products. Veterans and active-duty personnel benefit from VA financing with zero down payment and no PMI, saving thousands over the life of the loan. San Diego's biotech corridor (Torrey Pines, Sorrento Valley) employs researchers and medical professionals who qualify for our medical professional (doctor) loan programs. The city's proximity to the Mexican border creates demand for foreign national loans from cross-border buyers, and military families using BAH (Basic Allowance for Housing) find that our VA loan expertise helps maximize their buying power in San Diego's competitive market.