Business Details
20 Years
experience
Your Trusted Mortgage Partner in Ramona, CA
San Vicente Mortgage has been serving California homebuyers and real estate professionals since 2006. Located in Ramona, our team is led by mortgage veteran Christie Carlson, who brings decades of industry experience to every transaction. We specialize in FHA, VA, and USDA loan programs, offering personalized attention to each client's unique needs. Our in-house processing ensures competitive rates and fast approvals for home purchases and refinancing. We maintain NMLS and CalBRE licensing to uphold the highest professional standards.Our commitment to transparency and expertise helps clients navigate complex mortgage decisions with confidence. We serve realtors, for-sale-by-owner clients, and refinancers across the entire state of California. Our team's combined experience ensures professional service for all lending needs. We prioritize client education through detailed loan process tutorials and clear documentation. Our dedication to ethical lending practices has established us as a trusted partner in the mortgage industry.
Services
FHA Loans
VA Loans
USDA Loans
Refinance Services
Home Buyer Services
Details
- Year established: 2006
Highlights and features
- We offer over 20 years of mortgage industry experience
- We provide personalized loan program guidance
- We maintain ultra-competitive interest rates
- We guarantee fast loan approval processes
- Our team includes NMLS-certified professionals
Associations and certifications
- NMLS
- CalBRE
Services
FHA Loans
FHA loans offer low down payments and flexible credit requirements for first-time homebuyers. Our specialists guide clients through 3.5% down payment options with gift fund allowances. We help California buyers access HUD-insured mortgages with competitive terms.
VA Loans
VA loans provide zero-down payment options for eligible veterans. We process VA-guaranteed mortgages with no monthly mortgage insurance. Our team assists military members and veterans in securing funding fee financing and eligibility verification.
USDA Loans
USDA loans enable zero-down home purchases in eligible rural areas. We help low-to-moderate income borrowers access 2% upfront mortgage insurance financing. Our specialists verify property eligibility and income requirements for California applicants.
Refinance Services
Our refinance programs help homeowners access cash for improvements, debt consolidation, or education expenses. We offer streamlined refinancing with fast approvals for California property owners seeking better loan terms.
Home Buyer Services
We provide comprehensive purchase loan services with pre-qualification support and realtor partnerships. Our in-house processing ensures timely closings for California homebuyers seeking FHA, VA, or USDA financing options.
People
Christie Carlson
Mortgage Loan Originator
Christie Carlson brings decades of mortgage industry experience to San Vicente Mortgage. As a licensed loan originator, she specializes in guiding California homebuyers through FHA, VA, and USDA loan programs with personalized service.
Jason DeLeo
Associate
Jason DeLeo supports San Vicente Mortgage as a licensed associate. He assists clients with loan applications and documentation, working alongside Christie Carlson to ensure smooth mortgage transactions for California homebuyers.
Questions
What mortgage loan programs do you offer?
We offer FHA, VA, USDA loans, and refinance options with competitive rates and personalized guidance for California homebuyers.
Do you serve clients outside Ramona?
We service all California residents, supporting realtors, for-sale-by-owner clients, and refinancing customers statewide.
How can I get pre-qualified for a mortgage?
Contact us directly at (760) 787-1700 to speak with a loan specialist who will guide you through our pre-qualification process.
What makes your mortgage services different?
Our NMLS-certified team provides in-house processing, fast approvals, and personalized attention through every stage of your loan.
