Business Details
11 Years
experience
Your Trusted Mortgage Partner in Escondido, CA
At Robison Home Loans, we approach homeownership as a transformative life milestone, not merely a financial transaction. Our mission centers on empowering clients to succeed in achieving their housing goals, whether purchasing a first home, investment property, or forever residence. We prioritize personalized guidance, dedicating time to understand individual aspirations and navigating clients through every step with integrity and industry expertise. Our commitment extends beyond closing dealswe cultivate lasting relationships to support long-term homeownership journeys.With deep roots in North San Diego, our team combines local market knowledge with tailored loan solutions, ensuring transparency and trust in all interactions. This philosophy has enabled us to help over 220 families achieve their homeownership dreams while maintaining a steadfast focus on client confidence and financial stability.
Services
FHA Loans
VA Loans
Conventional Loans
Jumbo Mortgages
Reverse Mortgages
Refinancing Options
Home Equity Loans
Construction Loans
USDA Loans
Cash-Out Refinance
Details
- Year established: 2015
Highlights and features
- We offer personalized loan options tailored to individual financial goals
- Our team provides 24/7 personalized customer support
- We implement a patented process for mortgage refinancing
- Our company is ISO 9001 certified
- We operate with full transparency and no hidden fees
What people say
Extremely knowledgeable
Responsive service
Best mortgage experience
Transparent communication
Creative solutions
Services
FHA Loans
FHA loans provide accessible mortgage options for first-time homebuyers and those with less-than-perfect credit. These government-backed loans require lower down payments and offer flexible qualification requirements. Our team specializes in helping clients navigate FHA loan programs to achieve affordable homeownership.
Reverse Mortgages
Reverse mortgages enable homeowners aged 62+ to convert home equity into tax-free cash without monthly payments. Our certified professionals guide clients through HECM programs, ensuring clear understanding of benefits and obligations while maintaining financial security in retirement.
Jumbo Mortgages
Jumbo mortgages cater to luxury home buyers and properties exceeding conventional loan limits. We offer competitive rates for loans up to $2 million, simplifying complex financing while maintaining tax advantages. Our process eliminates multiple closings through one-time construction financing options.
Refinancing Options
Our refinancing programs reduce monthly payments, consolidate debt, or shorten loan terms. Services include cash-out refinancing, rate-and-term adjustments, and HARP 2.0 solutions for underwater mortgages. We specialize in transitioning adjustable-rate loans to stable fixed-rate mortgages.
VA Loans
VA loans offer zero-down payment options for eligible military personnel and veterans. Our dedicated team streamlines the VA approval process, ensuring fast closings while maximizing benefits. We maintain expertise in VA-specific requirements and documentation standards.
People
Ronnie Robison
CEO, Broker Owner
With over 15 years in mortgage banking, Ronnie founded Robison Home Loans in 2015 after experience at Wells Fargo and American Capital Homes Loans. He specializes in complex financial scenarios, helping clients with bankruptcies, foreclosures, and debt consolidation through creative mortgage solutions.
Chelsea Phillips
Loan Partner
As NMLS #2215100 and DRE #02154272, Chelsea focuses on client communication and loan processing. She graduated from San Diego State University and brings expertise in mortgage technology platforms that streamline document management and client communication.
John Klicman
Reverse Mortgage Loan Officer
A San Diego native with 18 years in mortgage banking, John specializes in reverse mortgages. He holds NMLS #883658 and emphasizes ethical counseling, ensuring senior clients understand all financial implications while maintaining home ownership benefits.
Richard E Simpao
Reverse Mortgage Department Manager
CRMP-certified professional with expertise in reverse mortgage underwriting. Richard transitioned from mechanical engineering to mortgage banking, combining technical precision with client-focused service. He manages all reverse mortgage operations and client education.
Jayna Kasner
Loan Partner
NMLS #948632 with background in psychology and education, Jayna specializes in loan documentation and underwriting. She manages client portfolios through all stages from pre-approval to closing, ensuring compliance with federal and state regulations.
Questions
What mortgage programs do you offer?
We provide FHA, VA, conventional, jumbo, USDA, reverse mortgages, and specialized programs like HARP 2.0 and 203(k) renovation loans.
How does the mortgage process work?
Our six-stage process includes documentation, appraisal, underwriting, conditional approval, clear-to-close, and final closing with dedicated support at every phase.
Can I refinance with bad credit?
Yes, we offer FHA 580-620 programs and 'No FICO' options for clients rebuilding credit or establishing credit history through responsible mortgage payments.
What areas do you serve?
We specialize in North San Diego County including Escondido, Oceanside, and Vista, with lending capabilities across California.
How quickly can you close a loan?
Average closing time is 30-45 days, with expedited options available for qualified borrowers using our streamlined documentation processes.
Do you offer online account management?
Yes, our digital platform enables document submission, e-signatures, and real-time loan status tracking for convenient mortgage management.
