Business Details
Your Trusted San Diego Mortgage Broker | UW Funding
At UW Funding, we pride ourselves on delivering personalized mortgage solutions tailored to each client's unique needs. With over 25 years of experience in the real estate and finance industries, our team, led by owner Craig Martin, specializes in navigating the complexities of the San Diego housing market to secure the best possible financing options. Our commitment to a client-first approach means we listen carefully, craft customized loan programs, and maintain transparency throughout the process. We leverage our extensive network of lenders to provide competitive rates and flexible terms, ensuring clients save both time and money.Our expertise spans conventional, FHA, VA, jumbo, and specialized loans, backed by a track record of satisfied clients who value our integrity and dedication. Whether you're a first-time homebuyer, an investor, or seeking refinancing, we offer the guidance and support needed to achieve your goals. Our focus on building lasting relationships has established UW Funding as a trusted partner in the community, dedicated to helping clients make informed, confident decisions. We measure success by the long-term satisfaction of our clients, reflected in their testimonials and repeat business.
Services
Conventional Home Loans
Jumbo Mortgage Financing
FHA Mortgage Loans
VA Mortgage Loans
Reverse Mortgage Loans
Rehab Mortgage Loans
Non QM Loans
Highlights and features
- We offer personalized mortgage solutions tailored to your unique financial situation.
- Our team saves clients money through competitive rates and transparent fee structures.
- We provide access to a wide network of lenders for maximum financing flexibility.
- Owner Craig Martin brings 25 years of local real estate market expertise.
- We streamline the mortgage process to save clients time and reduce stress.
Associations and certifications
- NMLS #1501423
- DRE #01353120
What people say
Great rate
No fees
Straightforward closing
Highly recommend
Saved thousands
Services
Conventional Home Loans
Conventional home loans follow Fannie Mae and Freddie Mac guidelines, offering flexible terms for primary residences, investment properties, and second homes. These loans suit borrowers with strong credit histories and stable incomes. UW Funding helps clients navigate conventional loan options to find competitive rates and suitable repayment plans.
Jumbo Mortgage Financing
Jumbo loans cater to high-value properties exceeding conforming loan limits, common in San Diego's premium real estate market. UW Funding secures these non-conforming loans for clients needing larger financing amounts, with personalized underwriting to accommodate unique financial profiles and property types.
FHA Mortgage Loans
FHA loans provide accessible financing for first-time buyers with lower credit scores or limited down payments. UW Funding guides clients through FHA's flexible requirements, including reduced down payment options and lenient qualification criteria, making homeownership achievable for more families.
VA Mortgage Loans
VA loans offer zero-down payment options and favorable terms for eligible veterans and military families. UW Funding specializes in VA loan processing, ensuring veterans receive the full benefits of this government-backed program without private mortgage insurance requirements.
Reverse Mortgage Loans
Reverse mortgages convert home equity into tax-free income for homeowners over 62, with no monthly repayment obligations. UW Funding educates seniors on reverse mortgage benefits and structures these loans to enhance financial security while preserving home ownership.
People
Craig Martin
Owner
With 25 years in real estate finance, Craig Martin combines market expertise with personalized service. He prioritizes client relationships over transactions, leveraging his industry knowledge to deliver tailored mortgage solutions that align with individual financial goals.
Questions
What loan programs does UW Funding offer?
We provide conventional, FHA, VA, jumbo, reverse mortgage, rehab, and non-QM loans. Our team helps clients select the best program based on their financial situation and property goals.
How does UW Funding personalize mortgage solutions?
We analyze your financial profile, goals, and market conditions to create customized loan structures. Our access to multiple lenders allows us to tailor terms that match your unique needs.
Why choose a mortgage broker over a bank?
Brokers like UW Funding offer broader lender options, competitive pricing, and personalized guidance. We negotiate on your behalf rather than offering only in-house products with fixed terms.
What sets Craig Martin apart from other brokers?
Craig's 25-year local market experience, transparent fee structure, and client-first approach create exceptional service. He focuses on long-term relationships rather than one-time transactions.
Can UW Funding help with investment property financing?
Yes, we specialize in investment property loans with flexible underwriting. Our programs accommodate multiple properties and complex income structures for real estate investors.
