7,000+ satisfied home loan clients in San Diego
enjoying the lowest mortgage rates available


Lenders We Shop From


Team Members


Years of Experience

Legendary Personalized Service, The Lowest Mortgage Rates in San Diego and the Right Terms For You

So simple my Mom could do it. Sorry, Mom.

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Founded on 3 Basic Concepts

To find the lowest home loan rate for you


Is a long, slow, complicated mortgage process inevitable? We think not! Every process and system we use is designed and refined from the perspective of “how do we make the process easier, better and faster?”


When everyone else is the nail, we will be the hammer. While everyone strives to look and sound “professional,” we roll our sleeves back and get to work, so you aren’t stuck wondering, “I wonder what’s happening with my loan…”. We strive to be the best version of ourselves, have fun and become friends with the people who enter our lives. 8 AM-8 PM un-heard of from a business, nothing special from an old buddy.


While we can never guarantee it will always be simple (it is mortgage lending, after all), we will avoid unnecessary information requests. We will always give a clear-cut response to any question or problem that may pop up. In Other Words: Full Transparency.

How it works

Conventional Mortgages

Conventional mortgages are one the most common type of mortgages. Because of this, conventional loans have more stringent controls on your credit score and your debt-to-income (DTI) ratio.

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Jumbo Loans

One of the essential elements of buying a home is recognizing the type of mortgage that fully satisfies your needs. You may want a jumbo loan to buy the house of your dreams.

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Fixed-Rate Mortgages

A fixed-rate mortgage holds the equivalent interest rate and principal/interest payment during the loan duration. The price you pay per month may vary due to changes in property tax and insurance rates, but primarily fixed-rate mortgages award you a very anticipated monthly amount.

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Adjustable-Rate Mortgages

The reverse of a fixed-rate mortgage is an adjustable-rate mortgage (ARM). ARMs are 30-year mortgages with interest rates that adjust depending on how market prices move.

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FHA Loans

FHA loans are insured by the Federal Housing Administration. An FHA loan can allow you to buy a home with a credit score as low as 580 and a down payment of 3.5%.

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USDA Loans

USDA loans have lower mortgage insurance requirements than FHA loans and can allow you to buy a home with no money down.

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VA Loans

A VA loan is a prime benefit of military duty for qualified veterans, service members, and surviving spouses. It enables you to qualify for a low-cost mortgage when you’re contemplating buying or refinancing a home, even if your credit isn’t ideal.

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let us shop for you from 48 lenders
for the lowest home loan rate in San Diego, California.

America’s Best Lenders offers the right mortgage for you in San Diego including Fixed Rate MortgagesFHA loans, Adjustable-Rate Mortgages (ARM), USDA Loans and Conventional Mortgages among many others, just specific to your needs. Get a mortgage quote today!

We do the hard work and get you exactly what you need: the lowest mortgage rate possible with personalized loan conditions.