Mortgage Lenders in Encinitas, CA

“I recently had the pleasure of working with Dave on my mortgage loan, and I was truly impressed by his professionalism and expertise. Buying a home can be overwhelming, but Dave’s responsiveness and reliability made the process so much smoother. No matter how many questions I had, he always replied promptly, offering clear and helpful guidance. When Dave says he'll handle something, you can trust that it will get done. I wholeheartedly recommend Dave to anyone looking to purchase or refinance their home. Thank you, Dave, for your exceptional service!”

“Laura has done 4 loans for us and she has been amazing every time. She truly cares about her clients and doing whats best for them. She is super knowledgable and can figure out how to make even the most impossible loans work. I cannot recommend Laura enough!”

“This is why Brokers are better than a bank. Ryan guided us through our first home purchase with ease. We discovered the HOA had problems and we were able to start another loan option (with him) while we he fought to get the HOA compliant and approved. The negotiations left us with a huge seller credit to keep money in our pocket while closing on the best loan option!

The knowledge, communication and never-give-up attitude was impressive, we would have been dead in the water without Ryan's expertise. The Mortgage Sherpa could literally carry you to the top of Everest, if needed”

“Zach and his team at CrossCountry Mortgage were incredible from the start. Zach was calm, knowledgable, clear, and truly a pleasure to work with. He guided us through this very complicated process of getting a house loan and made things work even during not expected setbacks. Zach was also responsive at all hours and weekends, going beyond his expected duties. He was also honest and has become like a friend after navigating this process under his guidance. CrossCountry Mortgage was also very accommodating and work with us even during difficult personal circumstances. I know that without Zach and his team our experience would have been worse and is likely we wouldn't have our dream home.”

“Chaz Hinz is AMAZING at CrossCountry Mortgage! I met Chaz through the home builder. They recommended that I work with Chaz since my credit was not the best that it could be at the moment when I started to purchase a home. Chaz took her time to interview me and ask about my financial past, reviewed my credit report, which at the time was embarrassing. She took time and shared with me that she understands and that from time to time this happens with our credit rating. She saw the positives with my finances and moved from there. She understood every detail of my finances and saw my worth. I would recommend her and CrossCountry to anyone. She is very detailed, very responsive, and quick with response time. I also learned a lot during escrow.”

“My wife and I HIGHLY RECOMMEND Kolby and his team for mortgages. I rate them a 11/10 (Spinal Tap reference). We went into the relationship with Kolby with high expectations and they repeatedly exceeded those expectations. Kolby and his team are highly knowledgeable, very professional, and handle dynamic situations very well. We had a unique, complex mortgage situation that involved an estate, a trust, property tax implications, and additional challenges. Kolby and his team put together a customized plan to help us achieve our objectives.
Kolby worked with my attorney to ensure that we navigated complex legal and tax issues to get the mortgage done. Kolby got us a very good interest rate. He and his team walked us through the process, step by step, and when we encountered unanticipated challenges, they took immediate action to get them solved. Everyone was very professional and patient. We got the mortgage done a couple of weeks ahead of when we expected. Big thanks to Kolby, Laura, and the APM team!”

“My wife and I worked with IFC Mortgage when we bought our house and it was an amazing experience! They are true experts and make everyone feel at home. We closed on the house in just 15 days and everyone was amazing to work with. We could not recommend them enough!”

“I experienced wonderful customer service at this location today - to the point that I am writing a review! Everyone that I spoke to was very helpful - I spent the most time with Campbell and would recommend his assistance to anyone!”