Business Details
23 Years
experience
Your Trusted Mortgage Partner in San Diego
Fitzpatrick Capital has established itself as a premier mortgage company serving the San Diego area since 2003. With over 21 years of industry expertise, our team specializes in guiding clients through complex mortgage processes with personalized attention. We prioritize client education, transparent communication, and tailored solutions for home purchases, refinancing, and reverse mortgages. Our commitment to excellence is demonstrated through our track record of successful transactions and industry certifications.Led by CEO Meghan Fitzpatrick, a seasoned professional with deep knowledge of mortgage instruments, we combine family-owned values with institutional expertise to deliver exceptional service. Our dedication to timely execution, competitive rates, and problem-solving has earned us enduring client relationships and industry recognition.
Services
FHA Loan
VA Loan
Conventional Loan
Reverse Mortgage
Jumbo Loan
Details
- Year established: 2003
Highlights and features
- We offer 21+ years of mortgage industry expertise with personalized service
- Our team provides 24/7 responsiveness and timely transaction execution
- We specialize in complex mortgage scenarios with tailored solutions
- Our NMLS-certified professionals maintain California DRE licensing
- We guarantee competitive rates with strategic closing cost optimization
Associations and certifications
- NMLS #44992
- CA DRE #01807122
What people say
Amazing broker
Prompt responses
Competitive rates
Stress-free process
Expert guidance
Services
FHA Loan
FHA loans provide accessible mortgage options for first-time homebuyers with lower credit scores and down payment requirements. Our specialists guide clients through FHA's flexible qualification criteria while ensuring compliance with federal regulations. We help clients secure competitive rates while navigating the unique requirements of government-backed mortgages.
VA Loan
VA loans offer zero-down payment options for eligible military personnel and veterans. Our team specializes in maximizing VA benefits while streamlining the documentation process. We provide expert guidance on entitlement usage and help clients achieve favorable terms through VA's unique financing programs.
Conventional Loan
Conventional loans serve clients with strong credit profiles seeking traditional mortgage solutions. We offer competitive fixed and adjustable rate options with personalized advice on down payment strategies and private mortgage insurance optimization for qualified borrowers.
Reverse Mortgage
Reverse mortgages enable homeowners aged 62+ to convert home equity into tax-free income. Our specialists provide comprehensive counseling on HECM programs, helping seniors understand payment options while maintaining financial security and property ownership.
Jumbo Loan
Jumbo loans cater to clients financing premium properties exceeding conventional loan limits. We offer tailored solutions for luxury home purchases with expert guidance on documentation requirements and competitive pricing for high-value transactions.
People
Meghan Fitzpatrick
CEO and Broker
With 21+ years in mortgage banking, Meghan Fitzpatrick leads Fitzpatrick Capital as CEO and Broker. A North Adams State College graduate, she specializes in complex loan structures and has closed over $1 billion in volume. Her expertise spans all mortgage products with a focus on client education and transaction efficiency.
Questions
What mortgage loan types do you offer?
We offer FHA, VA, conventional, jumbo, and reverse mortgages with personalized guidance for each program's specific requirements.
How quickly can you close a mortgage loan?
Our average closing time is 14-21 days, with expedited options available for qualified borrowers needing accelerated timelines.
Are you licensed to operate in California?
Yes, we hold NMLS certification #44992 and California DRE license #01807122 for mortgage brokerage services.
Can you help with difficult mortgage scenarios?
Our team specializes in complex cases including self-employment income, trust structures, and credit challenges with tailored solutions.
How do you maintain competitive mortgage rates?
We leverage relationships with multiple lenders to shop for optimal rates while using market analysis tools to lock favorable pricing.
What's your pre-approval process like?
Our pre-approval requires income verification, credit assessment, and debt analysis to provide accurate borrowing capacity estimates within 24 hours.
