Beautiful San Diego California homes and coastline with professional mortgage services
San Diego County, California

2025 San Diego Mortgage LenderNo Waiting Lists

Serving all of San Diego County with VA loans, first-time buyer programs, and jumbo financing. Licensed NMLS #2055084 with fast closings and competitive rates.

Apply Now - San DiegoCall (949) 478-7641

Get Your San Diego Rate

Quick 3-min application

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By submitting this form, you consent to receive automated text messages, calls, and emails from 21st Century Lending / Aditya Choksi at the number and email provided regarding your mortgage inquiry. Message frequency varies. Message and data rates may apply. Reply STOP to opt out at any time. This is not a commitment to lend. Your information is secure and will not be shared with third parties. View our Privacy Policy.

NMLS #2055084 | Equal Housing Opportunity | Licensed in CA

San Diego Housing Market Insights

Stay informed with the latest market data for America's Finest City real estate market.

$875,000
Median Home Price
$2,850
Average Rent
3.3 Million
Population
55.8%
Homeownership Rate
32 days
Days on Market
+5.2%
YoY Appreciation
NMLS Licensed Loan Officer
VA Loan Specialist
NonQM Certified
CalHFA Approved Lender
Equal Housing Opportunity
NMLS
Licensed
Nationwide Multistate Licensing System
VA
Certified
Veterans Affairs approved lender
CalHFA
Approved
California Housing Finance Agency
Equal
Housing
Equal Housing Opportunity Lender

Aditya Choksi NMLS ID: | 21st Century Lending NMLS ID: |NMLS Consumer Access

San Diego Mortgage Programs Available

Specialized lending solutions for San Diego's diverse communities, military families, and coastal properties.

VA Loans

Perfect for San Diego's large military community

  • $0 down payment
  • No PMI required
  • Competitive rates
  • Military-friendly processing

First-Time Buyer Programs

San Diego County down payment assistance programs

  • Up to $200,000 assistance
  • CalHFA MyHome available
  • 3% conventional options
  • Local grant programs

Jumbo Loans

For San Diego's luxury coastal properties

  • Loans up to $3.2 million
  • Competitive jumbo rates
  • 10% down payment options
  • Fast approval process

FHA Loans

Accessible financing with flexible requirements

  • 3.5% down payment
  • Lower credit score options
  • Gift funds accepted
  • Streamline refinancing

San Diego Communities We Serve

Providing expert mortgage services throughout all San Diego County cities and neighborhoods.

Major Cities

San Diego
Chula Vista
Oceanside
Escondido
Carlsbad
El Cajon
Vista
San Marcos
Encinitas
National City
La Mesa
Santee
Poway
Coronado
Imperial Beach
Lemon Grove
Spring Valley
Bonita
Del Mar
Solana Beach

Popular Neighborhoods

La Jolla
Pacific Beach
Mission Beach
Mission Hills
Hillcrest
North Park
South Park
Little Italy
Gaslamp Quarter
Balboa Park
Point Loma
Ocean Beach
Mission Valley
University City
Clairemont

What San Diego Clients Say

Real experiences from satisfied homeowners throughout San Diego County.

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Your San Diego Mortgage Expert

With deep knowledge of San Diego's diverse communities—from the beaches of La Jolla and Mission Beach to the family neighborhoods of Poway and Santee—I understand the unique financing needs of America's Finest City.

Military Specialist

Expert in VA loans and military-friendly programs for San Diego's large military community

First-Time Buyer Programs

Access to San Diego County assistance programs and CalHFA grants

Fast Closings

Average 18-21 day closing time with dedicated processing team

Ready to Get Started?

Get your personalized San Diego rate quote today

Get Pre-Approved Now
(949) 478-7641
aditya@21stcenturylending.com

Start Your San Diego Home Loan Today

Get pre-approved with our quick 3-minute application. No obligation, and I'll have your personalized rate quote ready within 1 hour.

Get Your San Diego Pre-Approval

Quick application, fast results

Required fields are marked with an asterisk (*)

By submitting this form, you consent to receive automated text messages, calls, and emails from 21st Century Lending / Aditya Choksi at the number and email provided regarding your mortgage inquiry. Message frequency varies. Message and data rates may apply. Reply STOP to opt out at any time. This is not a commitment to lend. Your information is secure and will not be shared with third parties. View our Privacy Policy.

NMLS #2055084 | Equal Housing Opportunity | Licensed in CA

Why Choose Us for Your San Diego Mortgage?

  • Military Expertise: Specialized in VA loans and military-friendly programs for San Diego's service members
  • Local Market Knowledge: Deep understanding of San Diego neighborhoods from beaches to inland communities
  • Down Payment Assistance: Access to San Diego County programs and CalHFA grants up to $200,000
  • Fast Service: 18-21 day average closing with dedicated San Diego processing team