San Diego Home Loans

With its beautiful beaches and sunny weather year-round, San Diego has a competitive housing market—but that does not mean that shopping for a home here must be stressful or expensive. With more than 18 years of experience helping homebuyers throughout the San Diego metropolitan region move into the homes of their dreams, Maureen Martin along with HomePlus Mortgage are here to make the home loans in San Diego process easy.

We Specialize in Home Loans for San Diego

Maureen has worked with customers in a wide variety of situations, and specializes in several types of home loans in San Diego, including:


Conventional loans

These are standard San Diego home loans that do conform to the limits specified by Fannie Mae and Freddie Mac. Many customers who come to us are looking for a conventional loan. Our loans feature affordable rates, low fees, and favorable terms.

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FHA loans

Buying your first home? FHA loans in San Diego are available to first-time homebuyers and come with down payments as low as 3.5%. They also include friendly terms, and may be easier to qualify for than conventional loans—even if you do not have perfect credit.

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VA loans

Veterans, service members, and qualifying surviving spouses may be eligible for a San Diego VA loan with no down payment!

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Jumbo loans

Many homes in San Diego can only be purchased with jumbo loans—mortgages which do not conform to the limits set by Fannie Mae and Freddie Mac. Shopping for affordable jumbo San Diego home loans on your own is a challenge, but we can offer you excellent programs for these particular products!

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Reverse Mortgages

If you are over the age of 62, own equity in your home right now, and want to convert some of it to cash to add liquidity to your finances, we can help you do it.

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No Doc Loans

A no doc loan is exactly what it sounds like: a way for you to apply quickly and easily for a mortgage without providing extensive documentation. No doc loans are also called “alt doc loans” or “bank statement loans,” because when you apply for one, you use bank statements to verify your income instead of a traditional W-2 form.

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HomePlus Mortgage is a direct mortgage lender, not a mortgage broker. That means cutting out the middleman and reducing time and costs in the mortgage application process for home loans in San Diego. So, no matter what type of mortgage you are applying for, we can save you money and get you into your San Diego home fast, helping you actualize financial freedom.

At our company, everything is done in-house, which means you will enjoy clear communication and personal customer service from the start of your application through to closing.

Finding Out if You Prequalify is Easy

Contact Maureen Martin Today at (619) 375-3646 to Find The Most Suitable Home Loan in San Diego for You!

See What Our Clients Are Saying About Us!

Edward Lepe
Edward Lepe
16:08 25 Aug 23
This review is long overdue but well deserved. Maureen came to the rescue when I purchased my home in April. I was working with a different lender that was referred to me by my realtor, after a few bad experiences and my gut telling me to get a second opinion, I called Maureen less than 3 weeks before closing. From the beginning, Maureen was genuine, professional, and kind, she let me know what she could and could not do, set the right expectations and made me feel at ease. She immediately got to work, I can tell she was genuine in her intent to help me...not only was she able to close in record time, but she saved me over 1% in my rate, lower closing cost and a lower monthly payment. All while closing in record time. Maureen is truly in a class above the rest, she's passionate about helping people, genuine, honest, professional and effective. Thank you Maureen!
Ron Steen
Ron Steen
23:05 30 May 23
Spent 10 minutes on the phone with her and she helped me immensely. Without trying to push a sale or make a deal, she helped me answer questions and was truly trying to help me even though she had nothing to gain. I will recommend her to anyone that will listen. SHE IS AMAZING!!!
Yara Tercero
Yara Tercero
16:42 24 May 23
Maureen helped us close in record time even with repair negotiations. She was super on top of everything. Couldn’t have asked for a better experience with an always stressful process of buying a home. 1000% recommend Maureen. She sticks to her word and won’t promise anything she can’t deliver on.
Melanie Davis
Melanie Davis
10:39 19 May 23
If you are looking for a review to help you decide if you should use Maureen, this is it. She’s up front and “kept it real” with me. I had shopped around for the best rate for my refi and lenders quotes were all over the board and I couldn’t make sense of it. I called her to see what she could do and not only did she have expert knowledge of the market, she offered excellent advice on how to navigate it to my benefit. No one else did that. She was patient and explained how things worked so I understood what decisions I was making. I prefer to work with someone who will tell me like it is instead of what they think I want to hear. I saw first hand how some brokers don’t care, you’re just another client to them. But she advocated for me as if she were me and that is invaluable and rare. I can’t thank her enough for her insight, experience and support during the process. I’m so glad I called her.
Jerome Farnan
Jerome Farnan
18:06 17 May 23
Maureen is more than a mortgage broker, she's a helpful person who really wants to do what she can to make the process go smoothly. She is super knowledgeable about the mortgage business, real estate, financial trends and seemingly everything that is remotely related to mortgages. This made me very comfortable with the process and helped us greatly to coordinate the escrow people and the real estate people, and all the documents and information needed. If you get in touch with Maureen, she will start helping you before you even know what you need.
Christian Thorn
Christian Thorn
18:29 11 May 23
An amazing person to work with. Plans ahead for any hiccups in the process and is very organized. Definitely recommend her to anyone looking to purchase or refi a home!
Cam Tran
Cam Tran
18:22 11 May 23
We've bought 4 homes so far and Maureen has been the BEST lender we've worked with! She has outstanding communication and you can tell she is dedicated to her work. She was prompt, easily accessible and always willing to answer any questions we had. She was also ready to fund us for an earlier closing! If you're looking for a lender, SHE'S THE ONE!!
Emily Mitchell
Emily Mitchell
18:23 27 Apr 23
My experience working with Maureen starts off with a story of a lifetime. I am cofounder and president of a local nonprofit animal sanctuary, and towards the start of 2023 I found myself in one of the most challenging situations of my life. My husband and I had made the difficult decision to separate, and if the animals and I were going to stay at the property in Ramona, CA I would need to qualify for my own loan and refinance the house.This is where Maureen comes in. From the beginning, I knew I was in good hands. I had diligently searched for a good lender who could give me a good rate that would allow me to afford the house, and Maureen beat the competition. Not only that, but she was pivotal in pursuing an opportunity to lock-in on a good rate one evening when rates had momentarily dropped (rates went back up the very next day, so I was very lucky to have had a responsive and determined lender like Maureen!). Maureen never rushed me, encouraged me to do whatever was best for my unique situation, and was extremely patient with all of my questions. Perhaps above all, Maureen was kind, thorough, and a great listener throughout the entire process. I don’t think I’ll ever forget the phone call with her while I was driving one of our sheep home from the vet, midway through the process of securing my loan. I felt a little embarrassed that I had to speak loudly over a very opinionated sheep in the car, but that didn’t seem to phase Maureen. It only fueled her desire to help.Committing to a new loan is a big deal and can be stressful, especially with the future forever home of an animal sanctuary at stake. I’m beyond thrilled and relieved to report that my loan officially funded yesterday, and I could not have had a better lender on my side. 10/10 recommend Maureen for your future loan needs. She might just rescue you (and your animals)!
Rosie Zuno
Rosie Zuno
15:32 27 Apr 23
If we could give more stars we would! We have had the pleasure of working with Maureen Martin multiple times in the past 10 years, not only for personal transactions, but we also refer her to our clients and close family because she is simply amazing. She is a true professional, her work ethic is outstanding and we could not be happier to work with her and her team. As a Professional Realtor myself, I can say that Maureen Martin is the best in the industry, I have worked with may Lenders, none like Maureen and the team she has built. When working with her as my lender, I know the transaction will go smooth because she is on top of her game, and her team is as efficient as her. Thank you Maureen for always being there to help us with personal transactions and also my clients, we really appreciate you!!! We look forward to working with you again soon 🙂
Jari Wolfe
Jari Wolfe
21:22 02 Dec 22
I honestly have nothing but sunshine and rainbows for Maureen. She is highly detail oriented and efficient, which is truly a necessity in her industry. But beyond that, she’s also a genuinely nice person that I really enjoyed working with. I’ll definitely be referring any friends and family entering in the house hunt. Thank you again Maureen, you’re awesome! :)
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