Welcome to SD-Loans – Your Trusted San Diego Mortgage Partner
Personalized mortgage solutions backed by experience, integrity, and local expertise.
San Diego Mortgage Broker — Home Loans Done Locally
Buying or refinancing a home in San Diego?
At SD-Loans, we make it simple. As your trusted local mortgage broker, we compare top lenders to find your best rate, fastest approval, and ideal loan program — all with transparent guidance from start to finish.
Call / Text: (619) 855-5061
[email protected]
NMLS #2021980
“Every buyer has a different story. My job is to match you with the loan that actually fits.”
— Trevor Sanders, Owner / Mortgage Broker
Why San Diego Homebuyers Work with SD-Loans
We’re more than brokers — we’re your neighbors. Based in San Diego, our team has helped hundreds of families secure financing for their first homes, investment properties, and refinances.
Here’s why clients choose us again and again:
✅ Local Expertise: We understand San Diego’s unique neighborhoods — from Chula Vista and North Park to La Jolla and Carlsbad.
✅ Personalized Service: One-on-one guidance from application to closing.
✅ Multiple Lenders: We shop for your rate — you don’t have to.
✅ Fast Closings: Clear-to-close in as little as 18–30 days.
✅ Transparent Process: No jargon, no surprises, just results.
Find the Right Loan for Your San Diego Home
We offer every major loan program — tailored for your goals.
| Loan Type | Best For | Learn More |
|---|---|---|
| Conventional Loans | Buyers with strong credit and stable income | Conventional Home Loans → |
| FHA Loans | First-time buyers or those with lower credit | FHA Loans → |
| VA Loans | Active-duty, veterans, and military families | VA Mortgage Loans → |
| Jumbo Loans | High-value homes in La Jolla, Del Mar, or Rancho Santa Fe | Jumbo Loans → |
| Non-QM Loans | Self-employed borrowers or investors | Non-QM Loans → |
| Refinancing Options | Homeowners looking to save or tap equity | Refinance Your Home → |
Verified Google Reviews
Real Clients. Real Results.
🌟 Rated 5 Stars on Google – See why homebuyers trust SD-Loans.
Trevor has been amazing and patient! It took us over two years to fully get ready for our purchase, but he stayed consistent and helpful the entire time. He always gave advice that was personalized and truly beneficial to my family—he genuinely cared about us as people, not just about closing a deal.
Trevor made sure we understood everything, always answered my calls, and never made me feel alone during the process. What could have been stressful ended up feeling seamless because of his guidance.
I just want to give a big thank you to Trevor and his team from me and my family for getting us into our perfect home!
– Hevar Ismail
I had the pleasure of having my clients work with Trevor and he blew us away with his knowledge, quick responses, and his willingness to do anything it took to get our clients into their new home. Trevor will always be my go to!
– Dominic Lafata
Trevor and his team were consummate professionals. My loan was anything besides straight forward but they made the process so easy and streamlined. Even with as complex as my loan was we were clear to close in 5 days and met the aggressive seller closing requirement of 18 days. And of course they got me a super competitive rate! Cannot recommend SD Loans enough.
– Megan Ward
I had a wonderful experience with Trevor at as loans . my case for buying a home was not an easy one. Trevor and his team worked very hard endless hours and did not stop at the end. Trevor and his team provided me and my family with a beautiful home and the experience was excellent. I would tell anyone who is looking for somebody highly experienced and very professional to give Trevor and his team a shot. They will help you get a home thank you Trevor.
– Steve Mason.
Trevor and his team were nothing short of amazing to work with! Communication was top tier, they were always available for any questions/concerns and explained everything extremely well. Over all just truly nice people. Made our entire home buying experience painless! Will definitely reach out for future needs and couldn’t recommend enough.
– Megan Roberson
Trevor Sanders from SD-Loans was a pleasure to work with. He was on top of everything every second of the way. He was very helpful and informative. Glad he was on our side. Helped us get in our new home as quickly as possible and has checked in with us even after the sale. I would highly recommend Trevor!!!
– Sheri Mcconnell
Why Work with a Mortgage Broker Instead of a Bank?
| Feature | Mortgage Broker (SD-Loans) | Bank or Direct Lender |
|---|---|---|
| Lender Options | Dozens of lenders to compare | Only their own products |
| Interest Rates | Competitive, customized to you | Fixed by their pricing |
| Speed | Streamlined & personal | Often slower and rigid |
| Service | One dedicated expert (Trevor) | Call-center experience |
| Goal | Get you the best deal | Sell their loan |
How Our Mortgage Process Works
Buying or refinancing shouldn’t be overwhelming.
We’ve simplified it into three easy steps:
Get Pre-Approved — Apply online in minutes.
Shop for Your Home or Rate — We compare lenders and lock in the best terms.
Close Quickly — We handle all the details, keeping you updated every step of the way.
⏳ Ready to take the next step?
Serving All of San Diego County
From Downtown to Oceanside, Mission Hills to Chula Vista, we help homeowners, veterans, and investors across San Diego achieve their goals.
We proudly serve:
San Diego • La Jolla • Encinitas • Del Mar • Carlsbad • Coronado • North Park • Hillcrest • La Mesa • El Cajon • Rancho Santa Fe • Chula Vista
About SD-Loans
Local. Reliable. Personal.
Founded by Trevor Sanders, SD-Loans helps San Diegans buy, refinance, and invest with confidence. We combine the power of multiple lenders with personalized service you won’t find at a bank.
Our Mission:
To make the home loan process transparent, fast, and stress-free — with a focus on building long-term relationships, not just closing transactions.
EASY ONLINE APPLICATION
Complete your application online and submit your documents electronically with ease. As a leading mortgage broker in San Diego, we ensure a seamless, hassle-free process to help you secure the financing you need.
EXPERIENCE MATTERS
Experience is key when choosing the right San Diego mortgage broker to guide you through the home loan process. At SD-Loans, we offer valuable expertise to ensure a smooth journey, helping you overcome challenges and achieve your dream of homeownership.
PERSONAL SUPPORT
At SD-Loans, we deeply value each client. As your trusted mortgage broker in San Diego, we provide personalized support tailored to your needs, whether through phone calls, Zoom meetings, or in-office consultations.
Find The Right Home For Your Budget
Our team is committed to providing exceptional customer service. We're always available to answer any questions you may have. We use the latest technology to streamline the mortgage process, making it faster and more convenient for you.
In addition to our mortgage services, we also offer expert advice on:
- Credit Repair
- Debt Consolidation
- Financial Planning
- Tax Mitigation
Featured Resources:
We understand that navigating the San Diego real estate market can be complex. That’s why we’ve created helpful resources like our guide to understanding different mortgage types and our step-by-step guide to refinancing in San Diego.
San Diego Mortgage FAQs
No, but local brokers understand property taxes, HOAs, condo rules, and VA buyers here — which often makes the loan smoother.
Yes. We work with VA, FHA, and low-down-payment conventional loans for San Diego buyers.
Yes. We offer Non-QM and bank-statement loans for business owners, 1099 earners, and investors.