Business Details
22 Years
experience
Your Trusted VA Loan Partner in San Diego
Since 2004, we have dedicated ourselves to empowering veterans and active-duty service members through specialized VA home loan solutions. Our team of experts brings decades of combined experience in mortgage lending, prioritizing transparency, and personalized guidance throughout the home buying and refinancing processes. We are committed to leveraging our deep understanding of VA benefits to help clients achieve homeownership while maintaining the highest standards of integrity and client satisfaction. Our track record of successfully assisting over 2,000 veterans reflects our unwavering dedication to excellence and trustworthiness in every transaction. 
Services
VA Home Loans
Home Refinancing
Conventional Loans
FHA Loans
Closing Cost Assistance
Details
- Year established: 2004
Highlights and features
- We offer up to $10,000 in closing cost coverage through our Welcome Home Program
- Our team provides 24-hour pre-approval guarantees for VA loans
- We promise to close your loan in 28 days or pay you $500
- Our process includes complete transparency with no hidden fees
- We specialize in VA loan expertise with over 20 years of combined team experience
What people say
Smooth process
Amazing service
On top of everything
Professional presence
Diligent communication
Services
VA Home Loans
Specialized mortgage solutions for veterans and active-duty personnel. Our VA loan program offers competitive rates, zero down payment options, and expert guidance through the entire home buying process. We help military families maximize their earned benefits while maintaining complete transparency with no hidden fees. Our team ensures a streamlined experience from pre-approval to closing.
Home Refinancing
Smart refinancing options to lower payments or access home equity. We specialize in VA streamline refinance programs with expedited processing. Our experts analyze your current mortgage to identify savings opportunities while maintaining strict compliance with lending regulations. We guarantee timely execution with financial compensation for delays.
Closing Cost Assistance
Financial support through our Welcome Home Program. We offer lender credits ranging from $1,000 to $10,000 based on loan amount, reducing upfront costs for military homebuyers. This program works in conjunction with VA loan benefits to make homeownership more accessible while maintaining full pricing transparency.
24-Hour Pre-Approval
Expedited pre-approval process with financial guarantee. Our system delivers verified pre-approvals within 24 hours using automated underwriting while maintaining manual verification for accuracy. We back this commitment with a $1,500 payment guarantee if our pre-approval fails through no fault of the applicant.
Conventional Loans
Non-VA mortgage options for diverse financial situations. We offer fixed and adjustable-rate conventional loans with competitive terms. Our team provides expert guidance on down payment requirements, credit score considerations, and private mortgage insurance options while maintaining the same high service standards as our VA programs.
People
Clay Murray
Branch Manager/Speaker
With over 15 years in mortgage lending, Clay specializes in VA loans and leads our San Diego branch. He holds NMLS license #1172225 and focuses on making military home buying simple and stress-free.
Melissa Bussius
Branch Manager
A seasoned mortgage professional with NMLS #993217, Melissa brings extensive VA loan expertise to our team. She ensures smooth transactions while maintaining compliance with federal lending regulations.
Shiraney Sim
Operations Manager/Processor
As our lead processor with NMLS #2163786, Shiraney manages loan workflows and documentation. Her attention to detail ensures timely closings while maintaining strict adherence to underwriting standards.
Ricardo Nava
Mortgage Advisor & Air Force Veteran
Combining military service experience with mortgage expertise, Ricardo assists clients in navigating VA loan options. His dual perspective enhances our team's ability to serve veteran clients effectively.
Questions
What VA loan benefits do you offer?
We provide up to $10,000 in closing cost coverage, 24-hour pre-approvals, and guaranteed 28-day closings with financial penalties if we fail.
Can non-veterans get loans?
Yes, we offer conventional and FHA loan options with the same expert guidance for non-military clients.
What states do you operate in?
We serve veterans in Arizona, California, Florida, Idaho, Montana, North Carolina, Oregon, Tennessee, Texas, Virginia, Washington, and Wyoming.
How quickly can you close a VA loan?
We guarantee 28-day closings for VA loans in qualifying states with a $500 financial guarantee if we fail.
What makes you different from other lenders?
Our military-specific expertise, transparent pricing, and financial guarantees for pre-approvals and closing timelines set us apart.
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