Business Details
28 Years
experience
Your Trusted Mortgage Partner in San Diego
Express Funding Mortgage has been dedicated to providing exceptional mortgage services since 1998. Our approach prioritizes customer service, transparency, and integrity throughout the loan process. We specialize in simplifying complex mortgage transactions while maintaining competitive rates across California. With over two decades of experience, we've helped hundreds of families achieve homeownership and financial flexibility through personalized solutions. Our team actively communicates with clients at every stage, ensuring informed decision-making and timely progress.We maintain strict ethical standards while advocating for clients' best interests throughout the mortgage journey. Our local expertise serves San Diego and surrounding communities with tailored financing options. We continuously refine our processes based on client feedback to enhance service quality and satisfaction. Our commitment extends beyond transactions to building lasting relationships through reliable mortgage guidance. We operate with full transparency while maintaining compliance with all regulatory requirements.
Services
Home Purchases
Mortgage Refinancing
Reverse Mortgages
FHA Loans
Jumbo Loans
Details
- Year established: 1998
Highlights and features
- We offer personalized one-on-one mortgage consultations with local expertise
- Our team maintains 22+ years of combined experience in mortgage financing
- We provide transparent pricing with no hidden fees or deceptive practices
- Our process includes proactive communication throughout loan origination
- We guarantee competitive rates matching or beating major financial institutions
What people say
Exceptional mortgage broker
Trustworthy with great rates
Personal interest in clients
Top shelf professionalism
Best possible mortgage rate
Services
Home Purchases
We specialize in helping families achieve homeownership through competitive mortgage options. Our team guides clients through the entire purchase process from pre-approval to closing. With access to multiple loan programs including conventional, FHA, and high-balance conforming loans, we help clients secure financing for primary residences, second homes, and investment properties across San Diego County.
Mortgage Refinancing
Our refinancing solutions help homeowners reduce monthly payments, access home equity, or modify loan terms. We offer cash-out refinancing for home improvements, debt consolidation, and financial restructuring. Our process includes rate comparison analysis and personalized recommendations to maximize financial benefits while minimizing closing costs and processing time.
Reverse Mortgages
We provide Home Equity Conversion Mortgages (HECMs) for seniors aged 62+. These specialized loans allow homeowners to convert equity into tax-free funds for retirement expenses, medical bills, or supplemental income. Our counselors explain program requirements, financial implications, and alternative options to ensure informed decisions.
FHA Loans
Our FHA loan program offers low down payment options (as low as 3.5%) for first-time homebuyers. We assist with qualification requirements, mortgage insurance calculations, and property eligibility verification. This program benefits borrowers with moderate credit scores seeking affordable homeownership solutions in California's real estate market.
Jumbo Loans
We offer jumbo loan options for high-value properties exceeding conventional loan limits. Our program accommodates loan amounts up to $612,950 in high-cost areas with flexible underwriting standards. We work with borrowers seeking financing for luxury homes, unique properties, or investment portfolios requiring specialized mortgage solutions.
People
Brad Shoemaker
President
Brad Shoemaker founded Express Funding Mortgage in 1998 with a commitment to exceptional client service. With over 22 years in the mortgage industry, he specializes in customized financing solutions while maintaining strict ethical standards. Brad personally oversees client relationships and loan origination processes.
Questions
What mortgage loan types do you offer?
We provide conforming loans, jumbo loans, FHA loans, reverse mortgages, and investment property financing across California.
How does your mortgage application process work?
Our three-step process includes loan application submission, document presentation, and underwriting approval with continuous client communication.
Do you offer competitive mortgage rates?
Yes, we guarantee competitive rates that match or beat major banks and credit unions for qualified borrowers.
Which areas do you serve?
We primarily serve San Diego County including Del Mar, Encinitas, Carlsbad, Oceanside, and Poway.
