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About Maureen Martin

Meet Maureen Martin, Your San Diego Mortgage Broker for 26+ Years

Hi, I’m Maureen Martin. I’ve been a mortgage broker in San Diego since 1999, which means I’ve watched this market through every kind of cycle you can think of. The booms, the resets, the rate runs, and the quiet years in between.

26+

Years Lending in San Diego

75+

Wholesale Lenders in Network

80+

Repeat & Referral Business

17

Day VA Loan Close Record

Through all of it, the job has stayed the same. Help people buy homes they love, in a city I love, without getting taken advantage of along the way.

"I'm an independent broker, which is a fancy way of saying I work for you, not a bank."

When you call my number, you get me. Not a call center. Not a junior loan officer reading a script. Me. That’s how I’ve run my business for 26+ years, and it’s why most of my work today still comes from past clients and the people they send my way.

My Story

26+ Years in San Diego Mortgage Lending

I started in mortgage lending in 1999. That gives me a perspective that’s hard to fake. I’ve helped first-time buyers when rates were 8%, move-up families when rates were 2.5%, and everyone in between. I’ve closed loans during the 2008 collapse and the 2021 buying frenzy, and a lot of normal Tuesdays. That history shows up in the way I work. Nothing in this market surprises me, which means I can keep my clients calm when things get bumpy.

I run my business under the San Diego Home Lender brand, while my mortgage license is brokered through HomePlus Mortgage. I specifically chose HomePlus Mortgage because it gives me access to wholesale pricing and a broad network of lenders, allowing me to shop your loan across multiple options instead of locking you into a single bank’s products and rates. If you’ve ever felt stuck with whatever rate your bank happened to offer, that’s exactly the advantage of working with a mortgage broker. More options, more flexibility, and the ability to structure the loan around what’s best for you.

What I Specialize In

Two Things, Mostly

VA loans

I’ve helped San Diego military families use their VA entitlement for more than two decades. Camp Pendleton Marines, Naval Base San Diego sailors, Miramar families, NAS North Island, retirees from every branch. San Diego County has one of the highest VA loan volumes in the country, and most of my repeat business comes from military families and their referrals.

Purchase loans

First-time buyers, move-up buyers, and people relocating to San Diego from out of state. I don’t chase refinance business and I don’t try to be everything to everyone. Purchase loans get my full attention.

If you’re shopping for an online-only experience with no human conversation, I’m not your person. If you want someone in your corner who picks up the phone and tells you the truth, that’s me.

Why Solo

Why a Solo Broker Beats a Team or a Direct Lender

Most mortgage shops fall into two buckets. National call centers (Rocket, SoFi, Veterans United) where you’re a portal login and a different loan officer answers every call. Or local direct lenders with a team of loan officers where you get whoever is on duty that day.

I’m neither. I’m a solo broker with one trusted, fully licensed loan processor (Joshua Barton) handling the back office. When you call, you get me. When your file hits a hiccup at 4pm on a Friday, I’m the one calling you back, not a junior loan officer who hasn’t seen your loan before or who doesn’t have the years of experience and expertise like me.

And because I’m a broker (not a direct lender), I’m not stuck selling one bank’s product. I shop your loan across more than 75+ wholesale lenders and find the one that actually fits.

Direct lenders quote you their rate.
Brokers quote you the market’s rate.

My Approach

Why I Work the Way I Work

A few things I’ve come to believe over 27+ years:

01

People deserve to understand the loan they're signing.

I won’t push paperwork at you without walking you through it. If a clause matters, I’ll tell you why. If a fee is negotiable, I’ll tell you that too.

02

The right loan beats the cheapest loan.

Rate-shopping by an eighth of a point can cost you a deal, an appraisal, or a home you actually wanted. I’ll find you a competitive rate, and then I’ll tell you when it’s time to stop shopping and lock.

03

Speed matters in San Diego.

Offers move fast here. I’ve closed VA loans in under 17 days when a Pendleton family needed to win against a cash offer. I’ll match your timeline.

04

Long-term relationships beat one-time transactions.

About 80% of my business each year comes from clients I’ve worked with before, or people they sent my way. That’s not by accident. It’s because I treat every loan like the start of a 20-year relationship.

If you’re shopping for an online-only experience with no human conversation, I’m not your person. If you want someone in your corner who picks up the phone and tells you the truth, that’s me.

The Paperwork

Credentials & Recognition

Where I Work

Areas I Serve in San Diego County

I serve all of San Diego County. My most common service areas

North County Coastal

Oceanside · Carlsbad · Encinitas · Solana Beach · Del Mar

Popular with Camp Pendleton families and remote workers heading south from LA.

North County Inland

Vista · San Marcos · Escondido · Poway · Rancho Bernardo · Fallbrook

More house for your money and strong schools.

Central San Diego

La Jolla · Mission Hills · Hillcrest · North Park · Kensington · University City

Higher price points, popular with move-up buyers.

South Bay

Chula Vista · Bonita · National City · Imperial Beach

Strong fit for Naval Base San Diego families.

East County

La Mesa · El Cajon · Santee · Lakeside · Alpine

Some of the most affordable single-family options in the county.

Mira Mesa & Miramar

Mira Mesa · Scripps Ranch · Carmel Mountain · Sabre Springs

Where most MCAS Miramar Marines settle.

If you’re shopping for an online-only experience with no human conversation, I’m not your person. If you want someone in your corner who picks up the phone and tells you the truth, that’s me.

Getting Started

How to Work with Me

There are two ways to start.

Call Me Directly

The fastest path is a real phone conversation. Tell me where you are. Thinking about it, shopping, in escrow, or stuck somewhere in the process. I’ll point you in the right direction even if we don’t end up working together.

Pre-Qualify Online

If you’d rather have me look at your numbers first, the pre-qualification form is the place to start. I review every one personally before I call back.

If you’re shopping for an online-only experience with no human conversation, I’m not your person. If you want someone in your corner who picks up the phone and tells you the truth, that’s me.

Let’s Talk

Ready to Talk About Your Home Loan?

You’ll get me on the phone — not a call center, not a junior loan officer. Honest answers, stress-free closings.

Finding Out if You Prequalify is Easy

Contact Maureen Martin Today at (619) 857-7191 or click the button below to fill out a contact form.

Top Rated Mortgage Loan Officer

Maureen Martin with HomePlus Mortgage is a trusted San Diego mortgage broker serving the greater San Diego area. Whether you prefer an in-person consultation or a convenient phone call, Maureen is ready to meet with you at your preferred location or discuss your mortgage needs over the phone.

Schedule an appointment today to get personalized answers to all your mortgage questions and expert guidance throughout your home financing journey.

Maureen Martin with HomePlus Mortgage is a trusted mortgage lender serving the greater San Diego area. Whether you prefer an in-person consultation or a convenient phone call, Maureen is ready to meet with you at your preferred location or discuss your mortgage needs over the phone.

Schedule an appointment today to get personalized answers to all your mortgage questions and expert guidance throughout your home financing journey.

We are open Monday – Friday 8:00am-6:00pm | Weekends by appointment.

For additional questions you can call us at (619) 857-7191 or you can find us on Yelp and Zillow.