San Diego Mortgage Broker · NMLS #2702691

The Right Loan.
The Right Rate.
A Local Expert
in Your Corner.

SD-Loans shops dozens of lenders to find your most competitive rate and fastest path to closing — with personal, one-on-one guidance from Trevor Sanders every step of the way.

Get Pre-Approved Today Explore Loan Programs
★★★★★ 5-Star Rated
Close in 18–30 Days
Dozens of Lenders
San Diego mortgage brokers
18–30
Days to Close
100s
Families Helped
5★
Google Rating
6+
Loan Programs
Why SD-Loans

Your Local Advantage
in the
San Diego Market

We're not a call center or a national lender with a branch here. We're a San Diego-based mortgage firm built around one expert, one relationship, and one mission: to get you the best deal possible.

Dozens of Lenders, One Expert

We compare top lenders across the market so you get the most competitive rate and ideal loan structure — without spending weeks doing it yourself.

Fast Closings

Our streamlined process is built for speed. We get you clear-to-close in as little as 18–30 days, even on complex loans.

Truly Personalized Service

Work directly with Trevor Sanders from your first call to your closing day. No hand-offs, no call centers — just one dedicated expert who knows your file.

Deep San Diego Knowledge

From Chula Vista HOA rules to La Jolla jumbo thresholds, we understand every nuance of the local market that can make or break your loan.

Transparent Process

No jargon, no hidden surprises. We explain every step, every option, and every number in plain language so you can make confident decisions.

Easy Online Application

Apply in minutes from any device and submit documents electronically. We've built a process that respects your time.

Loan Programs

Find the Right Loan
for Your San Diego Home

We offer every major loan program — tailored for your goals, income, and timeline.

Conventional Loans

Best for strong credit

Ideal for buyers with strong credit and stable income. We source competitive rates across multiple lenders to put you in the strongest possible position.

FHA Loans

First-time buyers

A proven path to homeownership for first-time buyers or those building credit history. Low down payment requirements with flexible qualification standards.

VA Loans

Military families

Specialized expertise for active-duty military, veterans, and their families. We help you maximize every benefit you've earned, with zero guesswork.

Jumbo Loans

La Jolla · Del Mar · RSF

Financing for high-value properties in La Jolla, Del Mar, Rancho Santa Fe, and San Diego's most sought-after neighborhoods — structured for your unique situation.

Non-QM Loans

Self-employed · Investors

Self-employed, 1099 earner, or real estate investor? Our bank-statement and alternative qualification programs open doors that traditional lenders close.

Refinancing

Lower rate · Tap equity

Lower your rate, shorten your term, or tap your home's equity. We analyze your current position and find a refinance strategy that actually moves the needle.

Discuss Your Situation
Neighborhood Hotspots in San Diego
18 Days
Fastest close on a complex loan — and still got a competitive rate.
About SD-Loans

Local. Reliable. Personal.

SD-Loans was founded by Trevor Sanders on a conviction that most mortgage experiences get it backwards — prioritizing products over people. As a San Diego-based broker and owner, Trevor built this firm around one idea: every buyer has a different story, and the loan should fit the story, not the other way around.

We've helped hundreds of San Diego families finance everything from their very first home in Chula Vista to luxury properties in La Jolla — including buyers whose situations were anything but straightforward. Complex files, tight timelines, self-employed income, VA entitlements: we've navigated it all, and we don't stop until the deal is done right.

Our mission is to make the home loan process transparent, fast, and genuinely stress-free. We're not here to close a transaction and disappear. We're here to become your long-term mortgage partner.

"Every buyer has a different story. My job is to match you with the loan that actually fits."

— Trevor Sanders, Owner / Mortgage Broker
Call Trevor: (619) 855-5061 trevor@sd-loans.com
Why Clients Choose Us

The SD-Loans Difference

Feature
SD-Loans
Bank / Direct
Lender Options
Dozens to compare
Their products only
Interest Rates
Competitive & custom
Fixed by their pricing
Your Point of Contact
One dedicated expert
Call-center rotation
Closing Speed
18–30 days
Often 45+ days
Local Knowledge
Deep SD expertise
Generic national
🏦

Access to Dozens of Lenders

We shop the full market to find the best fit for your goals, income, and timeline.

🤝

One Expert, Start to Finish

You'll work directly with Trevor from application through closing — no transfers, no repeating yourself.

⚡

Fast, Predictable Closings

We've closed complex loans in as little as 18 days and consistently deliver on timeline commitments.

📍

Deeply Local Market Knowledge

San Diego's real estate market has nuances that national lenders miss. Our local expertise protects your deal.

🛡️

Transparent From Day One

We explain every option, every fee, and every timeline in plain language. You'll always know exactly where you stand.

★★★★★

"Even with as complex as my loan was we were clear to close in 5 days and met the aggressive seller closing requirement of 18 days."

— Megan Ward
How It Works

Your Path to Closing Day

Simplified into four clear steps — each one managed by Trevor so you can focus on the home.

01

Get Pre-Approved

Apply online in minutes. We review your goals, income, and financial picture to identify the loan programs you qualify for and what price range puts you in a strong position.

02

We Shop the Market for You

We compare dozens of lenders side-by-side — rates, fees, and terms — and present your best options clearly. No pressure, no confusion, just the right choice for your situation.

03

Lock Your Rate & Go Under Contract

Once you've chosen your loan, we lock your rate and take over all lender communication so you can focus on finding — or preparing to close on — your home.

04

Close Quickly & Confidently

Our team manages every detail from underwriting to final docs, keeping you updated at every milestone so closing day feels like a celebration, not a surprise.

Start Your Pre-Approval
Serving All of San Diego County

From Downtown to Oceanside

Neighborhood Hotspots in San Diego
What Homebuyers Need to Know in 2025

Proud to serve

San Diego La Jolla Encinitas Del Mar Carlsbad Coronado North Park Hillcrest La Mesa El Cajon Rancho Santa Fe Chula Vista Oceanside Mission Hills
Client Reviews

Real Clients. Real Results.

★★★★★ Rated 5 Stars on Google

★★★★★

"Trevor has been amazing and patient! It took us over two years to fully get ready for our purchase, but he stayed consistent and helpful the entire time. He genuinely cared about us as people, not just about closing a deal."

Hevar Ismail
Verified Google Review
★★★★★

"Even with as complex as my loan was we were clear to close in 5 days and met the aggressive seller closing requirement of 18 days. And of course they got me a super competitive rate! Cannot recommend SD Loans enough."

Megan Ward
Verified Google Review
★★★★★

"Communication was top tier, they were always available for any questions/concerns and explained everything extremely well. Made our entire home buying experience painless!"

Megan Roberson
Verified Google Review
★★★★★

"He blew us away with his knowledge, quick responses, and his willingness to do anything it took to get our clients into their new home. Trevor will always be my go to!"

Dominic Lafata
Verified Google Review
★★★★★

"Trevor and his team provided me and my family with a beautiful home and the experience was excellent. I would tell anyone looking for somebody highly experienced and very professional to give Trevor and his team a shot."

Steve Mason
Verified Google Review
★★★★★

"Trevor Sanders from SD-Loans was a pleasure to work with. He was on top of everything every second of the way. Helped us get in our new home as quickly as possible and has checked in with us even after the sale."

Sheri Mcconnell
Verified Google Review
FAQ

Common Questions

A bank can only offer you its own products at its own rates. As a broker, we have access to dozens of lenders and can shop the entire market on your behalf — which typically means a more competitive rate, better loan terms, and a process that's built around your needs, not the bank's pipeline.

You don't have to, but local expertise often makes a real difference. We understand San Diego's property tax structures, HOA approval requirements, condo rules, and how VA financing works in this specific market — details that can determine whether your loan closes smoothly or hits unexpected obstacles.

Yes — these are areas we handle every day. We specialize in FHA, VA, and low-down-payment conventional loans, and we'll walk you through every program benefit, eligibility requirement, and step in the process.

Absolutely. We offer Non-QM and bank-statement loan programs specifically designed for business owners, 1099 contractors, and real estate investors who don't fit the traditional W-2 documentation model.

Our process is designed for speed and clarity. Most clients close within 18–30 days, though the exact timeline depends on your loan type and the transaction. We prioritize removing friction at every stage so you can meet your target closing date.

We offer every major loan type: Conventional, FHA, VA, Jumbo, Non-QM, and refinancing options. If a program exists that fits your situation, we can access it.

We serve all of San Diego County — including San Diego, La Jolla, Encinitas, Del Mar, Carlsbad, Coronado, North Park, Hillcrest, La Mesa, El Cajon, Rancho Santa Fe, Chula Vista, Oceanside, and Mission Hills.

The easiest first step is to get pre-approved — you can complete our online application in minutes. You can also call or text Trevor directly at (619) 855-5061, or schedule a call at your convenience. We'll take it from there.

Ready to Move Forward?

Your Dream Home
Starts with
One Conversation

Get pre-approved in minutes or call Trevor directly. No pressure, no jargon — just clear, honest guidance from San Diego's trusted mortgage expert.

Call (619) 855-5061 trevor@sd-loans.com
Phone / Text
(619) 855-5061
Email
trevor@sd-loans.com
Office

8250 Miramar Mall
San Diego, CA

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