3 Best Mortgage Companies in San Diego, CA

Expert-recommended Top 3 Mortgage Companies in San Diego, California. All of our mortgage companies actually face a rigorous 50-Point Inspection, which includes customer reviews, history, complaints, ratings, satisfaction, trust, cost and general excellence. You deserve only the best!

3+ YEARS IN TBR
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GUILD MORTGAGE COMPANY

5887 Copley Drive, Floors 1, 3, 4, 5, and 6,
San Diego, CA 92111 Directions

Since 1960

Specialty:

Buying a Home First-Time Homebuyer Buying a Second Home Fixed-Rate Mortgage Adjustable-Rate Mortgage 30-Year Mortgage 15-Year Mortgage Refinance a Mortgage Mortgage Loans Standard Homebuyer Programs Conventional FHA USDA VA Mortgage Refinance Process Rate-and-Term Refinance Cash-Out Refinance Homebuying Assistance Programs Home Equity Loans Expanded Programs Loans Specialty Loan Programs Construction/Renovation Financing Energy-Efficient Mortgages GreenSmart Advantage New Construction Loans Renovation Loans

"Guild Mortgage Company specializes in understanding the unique needs of each customer and providing tailored mortgage solutions. Their knowledgeable mortgage advisors walk you through the available loan options, taking the time to thoroughly explain each one, ensuring you can make an informed decision that aligns with your specific circumstances. The team at Guild Mortgage Company is committed to helping clients achieve their homeownership goals while providing expert guidance on selecting the ideal mortgage product to meet their financial objectives. They strive to offer intelligent lending strategies at competitive rates, aiming to establish lasting relationships based on understanding, expertise, and a commitment to progress.

2026 Highlights: Biren Desai is the branch manager of the company. They have over 60 years of experience in this field. Whether you're buying your first home, exploring down payment assistance, relocating for military service or purchasing in a high-cost market, Guild offers a range of loan programs."

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License #3274

Contact:

(800) 283-8823

Mon-Fri: 8am - 6pm
Sat & Sun: Closed

TBR® Inspection Report:

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SYNERGY ONE LENDING, INC.

610 West Ash Street, Suite 1505,
San Diego, CA 92101 Directions

Since 2013

Specialty:

Buy a Home VA FHA Conventional Jumbo Retirement USDA Mortgages Home Loans and HELOC Refinance Fixed-Rate Second Mortgage

"Synergy One Lending, Inc. is committed to providing a consistent client experience centered around your mortgage needs. At Synergy One Lending, diversity, equity, and inclusion are deeply embedded in the core values that define their identity. Their commitment to these values is unwavering. Their mission is to humanize and modernize the home lending experience. The team is always available to answer questions and keep informed as things progress. Their team is very knowledgeable and helpful, especially in guiding them through their first-time home-buying process. Their expertise, communication skills, attention to detail, efficiency, problem-solving capabilities, customer-focused approach, and consistent professionalism set them apart in the industry.

2026 Highlights: Steve Majerus is the Chief Executive Officer of the company. He has more than 25 years of experience in mortgage banking. Aaron Nemec is the President of the company. He has 20+ years in mortgage banking and has a long and successful track record of growing production."

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License #1907235

Contact:

(888) 995-1256

Mon-Fri: 8am - 5pm
Sat & Sun: Closed

TBR® Inspection Report:

5+ YEARS IN TBR
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SCOTT EVANS

CROSSCOUNTRY MORTGAGE, LLC.
8885 Rio San Diego Drive, Suite 370,
San Diego, CA 92108 Directions

Since 2006

Specialty:

Conventional Loans Fixed-Rate Mortgages Adjustable-Rate Mortgages VA Loans FHA Loans USDA Loans Jumbo Loans Reverse Mortgages HELOC Loans Non-QM Loans Renovation Loans Construction Loans Home Loan Programs Down Payment Assistance Temporary Buydown Bridge Loans

"Scott Evans is dedicated to making the mortgage process easy, secure, stress-free, and rewarding. Scott finds the right mortgage loan and refinancing options to meet the client's unique needs. He and his team of highly knowledgeable brokers are committed to providing timely, up-to-date service backed by a commitment to customer satisfaction. They guide and support every step of the way and make their homeownership dreams possible and affordable. Their mission is simple and provides the best possible advice and benefits to the client's financial needs while facilitating a straightforward, transparent mortgage process for buyers, sellers, and realtors.

2026 Highlights: Scott Evans is the Executive Vice President of the company. He has personally closed over 2,000 mortgage deals totaling $838 million, with $440 million in VA loans. He is dedicated to serving their Military and Veterans."

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License #256163 | #1962701

Contact:

(619) 723-7289

Mon-Sat: 8am - 9pm
Sun: Closed

TBR® Inspection Report: