Business Details
Your Trusted Mortgage Partner in Encinitas, CA
At Moose Mau, we pride ourselves on delivering personalized mortgage solutions tailored to each client's unique financial situation. With decades of combined experience in real estate and lending, our team specializes in guiding first-time homebuyers, veterans, investors, and seasoned homeowners through seamless loan processes. We offer a comprehensive range of loan products including VA, FHA, Conforming, Jumbo, and Home Equity options, prioritizing competitive rates and transparent communication.Our commitment to prompt responsiveness, industry expertise, and client-first philosophy has earned us a loyal network of clients across multiple states. By maintaining licenses in 18 states and partnering with C2 Financial Corporation, we ensure regulatory compliance while providing localized service with national reach.
Services
VA Loans
Mortgage Refinancing
Conforming Loans
FHA Loans
Jumbo Loans
Home Equity Loans
Highlights and features
- We offer personalized mortgage solutions for diverse financial situations
- Our team includes NMLS-licensed officers with 10-23 years industry experience
- We provide competitive rates across 6 loan product categories
- We maintain 18-state licensing for expanded service capabilities
- We guarantee transparent communication throughout the loan process
What people say
Fantastic job
Trustworthy lender
Seamless process
Expert advice
Highly recommend
Services
VA Loans
Specialized mortgage solutions for veterans and active military personnel. We offer zero-down payment options and competitive rates through VA loan programs. Our team handles all documentation and certification requirements to ensure smooth approvals.
Mortgage Refinancing
Custom refinancing options to reduce monthly payments or access home equity. We analyze current market rates and client financial profiles to determine optimal refinancing strategies. Our process includes break-even analysis and closing cost evaluation.
Home Equity Loans
Flexible home equity solutions for debt consolidation or home improvements. We offer fixed-rate terms with predictable monthly payments. Our underwriters assess loan-to-value ratios and credit histories to determine eligibility.
FHA Loans
Low-down payment mortgages for first-time homebuyers. We specialize in FHA 203(b) and 203(k) programs with competitive interest rates. Our counselors guide clients through minimum property requirements and insurance obligations.
Jumbo Loans
Financing options exceeding conventional loan limits. We provide tailored underwriting for luxury properties and investment portfolios. Our specialists handle complex income documentation and higher down payment requirements.
People
Moose Mau
Senior Residential Mortgage Loan Officer
23-year real estate industry veteran with expertise in escrow, title, and 1031 exchanges. Licensed in 18 states, specializing in purchase and refinance transactions. Maintains NMLS #411962 and DRE #02084078.
Jordan Palmer
Residential Mortgage Loan Officer
10-year mortgage professional with North County San Diego expertise. Specializes in first-time homebuyer programs and investment property financing. Holds NMLS #1294974 and DRE #02083707.
Dean A. Bell
Residential Mortgage Loan Officer
7-year mortgage veteran with 23 years legal industry experience. Focuses on client education and financial goal alignment. Licensed in multiple states with NMLS #1500867 and DRE #02126353.
Matthew Kinman
Mortgage Loan Originator
6-year San Diego resident with Kentucky roots. Specializes in financial psychology and purpose-driven mortgage planning. Holds NMLS #1921843 and DRE #02224599.
Questions
What loan types do you specialize in?
We specialize in VA, FHA, Conforming, Jumbo, and Home Equity loans for purchase and refinance transactions across 18 states.
How do you handle complex financial situations?
Our team has 10-23 years of experience navigating credit challenges, investment portfolios, and unique income structures to find viable loan solutions.
Are you licensed outside California?
Yes, we maintain active licenses in 18 states including Arizona, Colorado, Florida, Texas, and Washington through C2 Financial Corporation.
What sets your service apart?
We combine 24/7 accessibility, personalized loan education, and multi-state expertise with our commitment to complete transaction transparency.
How quickly can you process a loan?
Our average processing time is 30-45 days, accelerated by our direct lender partnerships and streamlined digital documentation systems.
