Your first home starts with the right loan.
I help first-time and repeat buyers in San Diego County get pre-approved, compare real loan options, and close without surprises.
From pre-approval to keys in hand
A straightforward path, whether this is your first home or your fourth.
Get pre-approved
A short conversation and a document checklist tell us exactly what you can borrow — before you fall for a house.
Compare programs
We line up Conventional, FHA, VA, and first-time buyer options side by side, so you see the real trade-offs.
Lock your rate
Once you're under contract, we lock your rate and move your file through underwriting with regular updates.
Close with confidence
Clear numbers before closing day — no last-minute math, no surprises at the table.
Find the right fit for your situation
Every buyer's numbers look different. Here's where most people start.
Conventional
As little as 3% down for qualified buyers, with no upfront mortgage insurance fee.
Talk it through →First-Time Buyer
Down payment assistance and grant programs stacked on top of your base loan.
Talk it through →Learn before you leap
Short, practical reads — the same things I cover with clients before we ever talk numbers.
5 Mistakes First-Time Buyers Make
The pre-approval, credit, and inspection missteps that cost buyers the most — and how to avoid each one.
Read the guide →How Much House Can You Afford?
A plain-English walkthrough of debt-to-income ratio, and what lenders actually look at.
Read the guide →FHA vs. Conventional Loans
Down payment, mortgage insurance, and credit score differences, side by side.
Read the guide →“I had no idea what I qualified for until we talked. Every step was explained before it happened — no jargon, no surprises at closing.”
Hector — First-Time Buyer, San Diego
A loan officer who explains the "why," not just the rate.
I'm Aldo, a licensed loan officer (NMLS #2576175) based in San Diego County. I work closely with real estate agents and financial planners to help buyers understand their options in plain language — then move quickly once they've found the right home.
Whether you're buying your first place or your fourth, my goal is the same: no jargon, no last-minute surprises, and a rate lock that actually sticks.
Schedule a Call
Let's talk about your loan.
Reach out directly, or send a note and I'll follow up within one business day.