Business Details
Your Trusted Mortgage Broker in San Diego, CA
RWM Home Loans is a family-owned mortgage brokerage dedicated to transforming the home buying experience through personalized service and innovative technology. With a foundation built on referrals and trust, we prioritize relationships over transactions, offering clients a team of expert advisors committed to guiding them through every step of homeownership. Our proprietary Fluid App streamlines the loan process, enabling secure document management and real-time updates, while our Certified Pre-Approval program empowers buyers to act swiftly in competitive markets.Backed by decades of combined industry experience, we specialize in tailored loan solutions including conventional, FHA, VA, and jumbo loans, alongside down payment assistance programs. Recognized for excellence through multiple Top Workplaces awards, our mission remains focused on facilitating the American Dream through financial education and community empowerment.
Services
Purchase Loans
Refinance Loans
VA Home Loans
FHA Loans
Down Payment Assistance
Jumbo Loans
Cash-Out Refinance
Home Renovation Loans
Reverse Mortgages
Investment Property Loans
Highlights and features
- We offer a proprietary Certified Pre-Approval process with underwriting completed before home shopping
- Our Fluid App provides secure document management and real-time loan tracking from any device
- Family-owned business with relationship-focused mortgage advisors available 7 days a week
- Recognized as Top Workplace USA winner with 4.9+ average customer ratings
- Specialized in VA, FHA, and down payment assistance programs with 0% down options
What people say
Prompt replies
Professional team
Extremely responsive
Smooth process
Great communication
Services
Purchase Loans
Our purchase loan programs help buyers achieve homeownership with flexible options including conventional, FHA, and VA loans. We offer competitive rates and personalized guidance through every step of the buying process. Our Certified Pre-Approval gives buyers a competitive edge in today's market.
Refinance Loans
Refinance solutions help homeowners lower payments, access equity, or shorten loan terms. We provide rate-and-term and cash-out refinance options with streamlined processes. Our advisors help determine optimal timing based on current market conditions.
Down Payment Assistance
Specialized programs help first-time buyers with down payment requirements through grants and low-down payment options. Our RWM Zero program offers FHA financing with as little as 0% down payment. We guide clients through eligibility requirements and application processes.
VA Home Loans
Exclusive mortgage solutions for veterans and active-duty military members. VA loans offer zero down payment options and favorable terms. Our certified specialists provide expert guidance through the VA loan process and benefit utilization.
Fluid App
Our proprietary mobile app enables complete loan management from any device. Features include secure document scanning, electronic signatures, and real-time loan status updates. The platform streamlines communication between borrowers, agents, and loan officers throughout the transaction.
People
Brad Livingston
President / Owner
With over 20 years in mortgage banking, Brad founded RWM Home Loans to revolutionize the home financing experience. He leads strategic growth while maintaining hands-on client engagement.
Susanne Livingston
Chief Strategy Officer / Owner
Driving innovation and operational excellence, Susanne develops strategic initiatives that enhance client experiences and team development across the organization.
Lauren Terrett
EVP Operations & Credit Risk
Overseeing operations and credit risk management, Lauren ensures regulatory compliance while optimizing processes to maintain RWM's 17-day average loan closing timeline.
Greg Pettersen
EVP Growth & Innovation
Leading digital transformation, Greg develops technology solutions like the Fluid App that modernize mortgage processes while maintaining personalized service standards.
Kristen Livingston
EVP Sales Success
Managing sales operations, Kristen implements training programs that maintain RWM's high service standards across its national network of loan officers.
Questions
What mortgage programs do you offer?
We provide conventional, FHA, VA, USDA, jumbo, and specialty loans including down payment assistance and renovation programs. Our advisors help determine the best fit for your financial situation.
How does your pre-approval process work?
Our Certified Pre-Approval involves full underwriting review before home shopping, giving buyers a competitive advantage with verified financing commitment.
Can I refinance my existing mortgage?
Yes, we offer rate-and-term and cash-out refinance options to help lower payments, access equity, or adjust loan terms based on current market conditions.
What technology tools are available?
Our Fluid App provides secure document management, electronic signatures, and real-time loan tracking from any mobile device throughout the transaction process.
How are you different from other lenders?
As a family-owned business with 4.9+ star ratings, we combine personalized service with innovative technology, maintaining a 17-day average closing timeline nationwide.
What are your business hours?
Our San Diego headquarters operates Monday-Friday 9:00 AM - 5:00 PM PST, with loan officers available seven days a week through our national network.
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