Patron Mortgage

Encinitas Mortgage Broker

Patron Mortgage
San Diego County

Encinitas Mortgage Broker

Home loans for Encinitas homebuyers and homeowners — FHA, conventional, VA, jumbo, ITIN, and more. Licensed California mortgage broker. NMLS 1747739.

Get a Free Quote(916) 529-3707
NMLS Licensed
ID 1747739
Available 7 Days
Including evenings
Multiple Lenders
Best rate shopping
Free Consultation
No obligation

Home Loans in Encinitas, California

Encinitas is a beautiful coastal city in northern San Diego County, known for its world-class surf breaks, flower fields, yoga culture, and laid-back beach lifestyle. Encinitas commands premium home prices for the San Diego area and is one of the most desirable coastal communities in Southern California. The city attracts affluent buyers seeking a beach lifestyle with excellent schools and a vibrant community.

Patron Mortgage helps Encinitas buyers navigate the home loan process from pre-approval to closing — including jumbo, conventional, VA, and ITIN loans. Available 7 days a week.

Why Encinitas Borrowers Choose Patron Mortgage

  • Access to dozens of lenders — we shop rates so Encinitas borrowers get the best deal
  • Specializing in ITIN loans, jumbo loans, and non-QM programs
  • Available 7 days a week including evenings and weekends
  • Senior loan officer Randall Ortiz handles every file personally
  • Fast pre-approvals — often same day
  • Serving all of California with deep local market knowledge

Loan Programs Available in Encinitas

Jumbo Loans
Financing above conforming loan limits — standard for most Encinitas coastal purchases.
Conventional Loans
Competitive rates and flexible terms for buyers with strong credit profiles.
VA Loans
Zero down payment financing for eligible veterans and active-duty military.
FHA Loans
Low down payment options starting at 3.5% for qualified Encinitas homebuyers.
ITIN Loans
Home purchase and refinance programs for borrowers with an ITIN instead of an SSN.
Hard Money Loans
Fast approvals for Encinitas real estate investors and fix-and-flip projects.
Cash-Out Refinance
Access your Encinitas home's equity for renovations, debt payoff, or other goals.
HELOC
Flexible home equity line of credit for Encinitas homeowners.

Frequently Asked Questions

Get a Free Encinitas Mortgage Quote

Available 7 days a week · No obligation

(916) 529-3707[email protected]Request a Free Quote
NMLS 1747739 · Licensed in California

Also Serving Nearby

CarlsbadSolana BeachDel MarCardiff-by-the-SeaLeucadiaSan MarcosOceansideRancho Santa FeSan DiegoVista

Ready to Buy or Refinance in Encinitas?

Get pre-approved fast. We work with dozens of lenders to find the best rate for your situation.

Request a Free QuoteCall (916) 529-3707