About San Diego Real Estate
San Diego is California's second-largest city, known for mild climate, beaches, and a strong military presence. Defense, biotech, and tourism drive a dynamic housing market.
San Diego Housing Market Overview
Coastal communities like La Jolla, Del Mar, and Coronado command prices above $2 million, while inland areas like Chula Vista and Santee offer $600K–$800K entry points. Border proximity creates unique economic dynamics. Limited inventory and steady demand keep prices elevated across most areas.
Mortgage Lending in San Diego
The large military population makes VA loans prevalent—Camp Pendleton, Naval Base San Diego, and MCAS Miramar communities are well-served. Biotech professionals in Torrey Pines corridor benefit from high-income conventional products. The conforming limit covers most purchases outside the luxury segment.
Self-Employed Mortgages in San Diego
Biotech, craft brewing, tourism, and professional services create diverse self-employment. Bank statement and P&L programs provide qualification paths that reflect actual cash flow.
Investment Property Loans in San Diego
DSCR loans work well for Pacific Beach and Mission Beach vacation rentals. North Park and City Heights offer solid long-term rental yields. Multi-family investment is strong throughout the county.
Available Loan Programs in San Diego
Save Financial offers the following mortgage programs for San Diego homebuyers and homeowners:
Traditional financing backed by Fannie Mae/Freddie Mac. Lowe...
Government-insured with low down payments and flexible credi...
Zero down payment for eligible veterans, active duty, and su...
Financing above California's $1,209,750 conforming limit for...
Replace your mortgage to lower your rate, change your term, ...
Investment property loans qualified by rental income — no pe...
Comprehensive mortgage solutions for business owners, freela...
Why Save Financial for San Diego Mortgages?
Save Financial, Inc. is a trusted California mortgage brokerage (NMLS #377740, DRE #01875766) with offices in Newport Beach and Marina del Rey. We have 45 years of combined experience and work with 20+ wholesale lenders to deliver competitive rates across 35 loan programs — including conventional, FHA, VA, jumbo, hard money, bank statement, DSCR, and no-income options. Our $500 price guarantee means if we can't beat another lender's written offer for your San Diego mortgage, you receive $500.
We serve San Diego borrowers 7 days a week, 9AM–8PM. Our team speaks English and Spanish.