iServe Residential Lending

Business Details

Your Trusted Mortgage Partner in San Diego

At iServe Residential Lending, we are committed to setting a high standard in the mortgage industry by prioritizing quality customer service and placing our clients' needs at the forefront of every transaction. With extensive expertise in residential lending, our team is dedicated to guiding clients through the home loan process with transparency, professionalism, and personalized support. We strive to make informed decisions easier for borrowers by offering a comprehensive range of mortgage options tailored to individual financial situations.

Our goal is to build long-term relationships by delivering exceptional service that empowers clients to achieve homeownership confidently. Backed by decades of combined experience in mortgage financing, we maintain rigorous standards of integrity while continuously adapting to industry advancements to better serve our community.

Services

Conventional Loans FHA Mortgages VA Loans USDA Financing Non-QM Loans Jumbo Mortgages Construction Loans Adjustable Rate Mortgages Reverse Mortgages

Highlights and features

We offer 24/7 personalized mortgage consultation and support
Our team has decades of combined experience in residential lending
We provide tailored loan programs for unique financial situations
We guarantee transparent communication throughout the entire process
Our loan officers maintain exceptional industry certification standards

What people say

Exceptional service Knowledgeable staff Efficient processing Professional guidance Dedicated support

Website

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Services

Conventional Loans

Conventional loans offer flexible mortgage solutions for borrowers with strong credit profiles. These fixed or adjustable-rate mortgages provide competitive interest rates without government insurance, allowing down payments as low as 3% for qualified applicants. Our conventional loan programs accommodate primary residences, investment properties, and second homes with loan terms ranging from 10 to 40 years while maintaining strict underwriting standards that ensure long-term affordability for borrowers seeking stable housing financing options.

FHA Mortgages

FHA-insured loans provide accessible homeownership opportunities for first-time buyers and those with limited credit histories. These mortgages require only 3.5% down payment with flexible qualification criteria while offering competitive rates through government risk mitigation. Our FHA loan specialists guide clients through the unique benefits of this program including easier credit requirements, assumable loans, and energy-efficient financing options that make homeownership more attainable for qualified applicants.

VA Loans

VA-guaranteed loans deliver exclusive mortgage benefits for eligible military personnel and their families. These zero-down payment loans feature competitive rates without mortgage insurance requirements while allowing sellers to cover closing costs. Our VA loan experts specialize in streamlining the process for active duty members, veterans, and surviving spouses through specialized funding fee structures and streamlined refinance options that maximize veterans' housing benefits.

USDA Loans

USDA Rural Development loans provide 100% financing for qualified homebuyers in designated rural areas. These government-insured mortgages feature low fixed rates with no down payment requirements while allowing closing cost financing. Our USDA loan specialists help clients navigate eligibility requirements based on income limits and property location to access this valuable homeownership program designed for underserved communities.

Non-QM Loans

Non-qualified mortgage loans serve borrowers with unique financial situations outside traditional lending criteria. These flexible solutions accommodate self-employed individuals, foreign nationals, and investors through alternative income verification methods while maintaining responsible lending standards. Our non-QM programs offer loan amounts up to $2.5 million with terms tailored to non-traditional income sources while ensuring affordability through comprehensive underwriting processes.

People

Doug Wilson

Co-Chief Executive Officer

Doug Wilson co-leads iServe Residential Lending with over 25 years of mortgage industry experience. He specializes in strategic operations and maintains active NMLS licensing to ensure direct client engagement while overseeing organizational growth initiatives.

Ken Michael

Co-Chief Executive Officer

Ken Michael brings extensive mortgage banking expertise as co-founder of iServe Residential Lending. With deep knowledge of loan origination systems and compliance frameworks, he focuses on maintaining the company's commitment to exceptional client service while driving technological innovation.

Mike Wilson

Chief Operating Officer

Mike Wilson oversees daily operations at iServe Residential Lending with a focus on process optimization and quality control. His leadership ensures efficient loan processing workflows while maintaining strict adherence to regulatory requirements across all mortgage programs.

Brett Vargo

SVP Mortgage Operations

Brett Vargo manages mortgage operations with emphasis on team development and client satisfaction. He implements best practices for loan processing efficiency while mentoring staff to maintain the company's high service standards through every stage of the mortgage transaction.

Adam Burch

Senior Loan Officer

Adam Burch is a top-performing loan officer recognized for exceptional client service and transaction expertise. With specialized knowledge in multiple mortgage programs, he consistently delivers personalized solutions while maintaining 24/7 availability to guide clients through complex financing scenarios with clear communication.

Questions

What's the difference between mortgage pre-qualification and pre-approval?

Pre-qualification provides a general affordability estimate based on self-reported information, while pre-approval involves complete verification of income, assets, and credit history. Pre-approval strengthens your negotiating position by demonstrating serious buyer status to sellers.

How do I determine if refinancing makes financial sense?

Calculate total refinance costs, monthly savings, and divide costs by savings to find your break-even point. If you plan to stay in your home longer than this period, refinancing typically becomes financially beneficial through reduced interest expenses over time.

What mortgage programs are available for first-time homebuyers?

We offer FHA loans with low down payments, USDA loans for rural areas with zero down options, and conventional loans with flexible requirements. Our specialists help first-time buyers navigate down payment assistance programs and special financing options tailored to their specific needs.

How does the VA loan funding fee work?

The VA funding fee ranges from 1.25-3.3% depending on service status and down payment amount. This fee can be financed into the loan amount rather than paid upfront, with exemptions available for veterans receiving VA disability compensation.

What documentation is required for non-QM loans?

Non-QM loans accept alternative income verification methods including bank statements, investment accounts, or asset depletion models. Required documentation varies by loan type but typically includes asset verification, credit history review, and property appraisal to ensure responsible lending practices.

Can I use a mortgage broker for government-backed loans?

Yes, mortgage brokers can originate all government-backed loan programs including FHA, VA, and USDA loans. Brokers provide access to multiple lenders while maintaining expertise in specialized programs that may be difficult to navigate through direct lenders.