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San Diego home loansSan Diego Mortgage & Home Loans
Coastal California financing, minus the guesswork.
The San Diego market — and how we finance it.
San Diego pairs a strong military presence with biotech, defense, and tourism employment, and a coastline that keeps supply permanently tight. Prices run high enough that jumbo financing is common, while the large active-duty and veteran population makes VA one of the most-used programs in the county — including VA jumbo above the conforming limit.
Active-duty and veteran buyers using VA financing, biotech and defense professionals relocating into the county, and investors financing rentals near the coast and the universities.
Licensed in California. Ignite Loan Partners, NMLS #2381991. Equal Housing Opportunity.
Popular loan programs in San Diego.
San Diego mortgage questions.
Can I use a VA loan on an expensive San Diego home?
Yes. Eligible borrowers with full entitlement can use VA financing above the conforming limit — often still with no down payment and no monthly mortgage insurance. It is frequently the strongest option available in this county.
How competitive do I need to be to win a San Diego offer?
Supply is tight, so a fully underwritten pre-approval matters more here than a basic pre-qualification letter. We underwrite up front so your offer reads as close to cash as a financed offer can.
Michael Kerby
Founder & President · NMLS #1163561
A decade-plus of mortgage leadership, focused on communication and on-time closings. Serving San Diego, California and the surrounding market.
Buying or refinancing in San Diego?
Start a quick, no-pressure application and we'll map the right path for your San Diego purchase or refinance.