Business Details
36 Years
experience
Your Trusted Mortgage Broker in Southern California
Established in 1990, Scripps Mortgage has built a reputation as a family-owned business dedicated to personalized mortgage solutions. With over 25 years of experience serving Southern California, we prioritize trust, service, and integrity in every client interaction. Our team works directly with wholesale lenders to secure competitive rates and tailored programs for home purchases and refinances. Headquartered in San Diego and Temecula, we combine decades of industry expertise with a commitment to transparency and client-focused service.Our philosophy centers on understanding individual financial needs and delivering honest, informed guidance. By maintaining direct communication channels and leveraging relationships with multiple lenders, we ensure clients receive optimal mortgage options. Our team's longevity and referral-based growth reflect our dedication to exceeding client expectations through reliability and expertise.
Services
Mortgage Brokerage
Refinance Services
Home Purchase Loans
Wholesale Lender Access
Loan Processing
Credit Counseling
Jumbo Loan Programs
Mortgage Insurance Guidance
Custom Loan Solutions
Southern California Coverage
Details
- Year established: 1990
Highlights and features
- We offer 25+ years of mortgage industry experience with personalized service
- Our family-owned business maintains direct relationships with multiple wholesale lenders
- We provide tailored mortgage solutions for unique financial situations
- Our team includes licensed professionals with decades of local market expertise
- We operate with full transparency about fees, credit requirements, and loan programs
What people say
Excellent service
Patient support
Best pricing
Timely processing
Referral-only trust
Services
Mortgage Brokerage
As mortgage brokers, we connect clients with wholesale lenders to secure competitive rates and tailored loan programs. Our service includes personalized consultations, credit assessments, and ongoing support throughout the mortgage process. We specialize in finding solutions for unique financial situations while maintaining transparency about fees and requirements.
Refinance Services
We help homeowners reduce monthly payments, shorten loan terms, or access equity through strategic refinancing. Our process involves analyzing current mortgage terms, credit profiles, and market conditions to identify optimal refinancing opportunities. Clients receive comprehensive guidance through each stage of the refinance transaction.
Home Purchase Loans
We provide financing solutions for first-time buyers and experienced homeowners purchasing residential properties. Our services include pre-approval guidance, lender comparisons, and customized loan programs for conventional purchases. We specialize in navigating complex transactions while maintaining clear communication about timelines and documentation requirements.
Wholesale Lender Access
We leverage relationships with multiple wholesale lenders including Quicken Loans, United Wholesale Mortgage, and Parkside Lending to expand loan options. This network allows us to secure competitive pricing and specialized programs that traditional banks cannot offer, particularly benefiting clients with unique credit profiles or specific loan needs.
Loan Processing
Our dedicated loan processors ensure timely documentation submission and clear communication throughout the transaction. Services include verifying financial records, coordinating with underwriters, and addressing client questions about loan requirements. We maintain proactive updates to minimize delays and ensure smooth mortgage closings.
People
Phillip Huffman
President
Founder with 30+ years in mortgage industry, previously real estate developer. Established Scripps Mortgage in 1990 to provide honest brokerage services. Focuses on maintaining company values of trust and integrity while mentoring team members.
Bob Costello
Vice President
Experienced mortgage professional managing operations and client relations. Brings extensive industry knowledge to support clients through complex transactions while upholding company standards of personalized service and transparency in all business practices.
Dani Hawes
Chief Financial Officer, Loan Originator
Licensed mortgage originator since 2010, managing financial operations and client loan portfolios. Specializes in referral-based business with focus on open communication. Maintains family legacy of exceptional service while implementing modern mortgage solutions for Southern California clients.
Nicole Schleiger
Loan Processor
Experienced loan processor with nine years supporting mortgage transactions. Provides direct client communication regarding documentation requirements. Ensures timely processing while educating clients about loan specifics and maintaining high standards of customer service throughout the transaction process.
Questions
What mortgage services do you offer?
We provide home purchase loans, refinancing options, and jumbo loan programs through multiple wholesale lenders while offering personalized credit counseling and mortgage insurance guidance.
How do you differ from big banks?
As mortgage brokers, we access wholesale lenders with competitive rates and flexible terms that traditional banks cannot match, focusing on personalized service over automated systems.
What areas do you serve?
We primarily serve San Diego and Temecula with comprehensive mortgage solutions for clients throughout Southern California's residential markets.
How does your mortgage process work?
We begin with a consultation to understand your needs, then leverage our lender network to create tailored mortgage solutions with ongoing communication throughout the transaction.
What loan programs are available?
We offer conventional, conforming, fixed-rate mortgages, lender-paid mortgage insurance options, and specialized programs for clients with unique credit histories through our wholesale partners.
