Business Details
20 Years
experience
Your Trusted Mortgage Partner in Ramona, CA
San Vicente Mortgage has been serving California residents since 2006, providing tailored mortgage solutions from our base in Ramona, California. Led by industry veteran Christie Carlson, our team specializes in FHA, VA, USDA, and refinancing programs designed to meet diverse client needs. We prioritize personalized attention, ensuring each client receives expert guidance through every step of the lending process. Our in-house processing capabilities and partnerships with local realtors streamline transactions while maintaining competitive rates and fast approvals.With decades of combined experience, we uphold strict professional standards to deliver reliable service for homebuyers, sellers, and refinancing customers across the state. Our commitment to transparency and client education empowers informed decision-making, while our NMLS-certified status and CalBRE licensing underscore our adherence to regulatory excellence. By focusing on individual client circumstances rather than generic solutions, we consistently achieve successful loan outcomes that align with borrowers' financial goals.
Services
FHA Mortgage Loans
VA Mortgage Loans
USDA Loans
Refinancing Services
Pre-Qualification
In-House Processing
Home Purchase Loans
203K Rehab Loans
Rural Housing Loans
Mortgage Counseling
Details
- Year established: 2006
Highlights and features
- We offer 18+ years of mortgage industry experience with NMLS-certified professionals
- Our in-house processing ensures faster loan approvals and personalized service
- We provide competitive rates across multiple loan programs including FHA, VA, and USDA
- Our team maintains CalBRE licensing for regulatory compliance and client protection
- We specialize in tailored solutions for realtors, FSBO clients, and refinancing needs
Associations and certifications
- NMLS License Number 266306
- CalBRE License Number 01277838
Services
FHA Mortgage Loans
We offer FHA mortgage programs with low down payment requirements, accessible credit guidelines, and flexible qualifying criteria. Our specialists help borrowers navigate FHA's insurance premiums and eligibility requirements while financing primary residences across California.
VA Mortgage Loans
Our VA loan program assists eligible veterans with zero-down financing, no monthly mortgage insurance, and competitive rates. We guide borrowers through the eligibility verification process and funding fee requirements for service members and veterans.
USDA Loans
We provide USDA Rural Housing Program loans for qualified applicants in eligible areas, offering zero-down payment options and income-based eligibility. Our team helps clients meet property location requirements and navigate USDA-specific underwriting standards.
Refinancing Services
Our refinancing options help homeowners adjust loan terms, reduce payments, or access equity through rate-and-term or cash-out refinances. We specialize in streamlining transitions for home improvements, debt consolidation, and financial restructuring.
Pre-Qualification
We offer comprehensive pre-qualification assessments that establish borrowing capacity, clarify rate expectations, and prepare buyers for the mortgage process. This service helps clients make competitive offers with verified financial standing.
People
Christie Carlson
Mortgage Lending Group Manager
Christie Carlson leads San Vicente Mortgage with extensive industry experience, ensuring professional service delivery across California. Her expertise in mortgage programs and regulatory compliance guides clients through complex loan processes with personalized attention.
Jason DeLeo
Associate
Jason DeLeo supports clients as a mortgage associate, leveraging his knowledge of loan programs and local market conditions to assist homebuyers and refinancing customers throughout California's diverse housing market.
Questions
What mortgage loan options do you offer?
We provide FHA, VA, USDA, and conventional loans, including specialized programs for home purchases, refinancing, and 203K rehab projects across California.
How does pre-qualification benefit homebuyers?
Pre-qualification establishes your borrowing capacity, helping you focus on affordable properties and strengthening your negotiating position with sellers.
Can I refinance my existing mortgage?
Yes, we offer refinancing options to help with rate adjustments, home improvements, debt consolidation, and accessing equity for educational or business needs.
What sets your mortgage services apart?
Our NMLS-certified team provides in-house processing, competitive rates, and personalized guidance through every loan stage while maintaining CalBRE licensing standards.
Do you serve real estate professionals?
We partner with California realtors to provide reliable pre-qualification and loan programs that streamline transactions for their clients.
