San Diego Mortgage Broker · Todd Klinger · California
As a San Diego mortgage broker, I help California homebuyers and homeowners compare home purchase loans, refinance strategies, VA loans, jumbo loans, and creative financing for self-employed borrowers and real estate investors. We'll evaluate the options together and structure the financing around your goals—not just today's interest rate.
San Diego mortgage broker
Multiple lending sources. Thoughtful strategy. Direct guidance for California home buyers and investors from first conversation through closing.
How can I help?
Start with what you're trying to accomplish. I'll help you find the financing strategy that fits.
From your first San Diego home purchase to your next California move, compare home purchase loans and financing strategies built around your goals.
Explore BuyingLower your payment, access equity, consolidate debt, or restructure your California mortgage financing with a refinance strategy.
Explore RefinancingUnderstand your down payment, monthly payment, closing costs, and first-time home purchase loan options.
Start HereFinancing strategies for self-employed borrowers whose tax returns don't tell the whole story.
Explore OptionsSophisticated jumbo loans and luxury financing for high-value homes and complex financial profiles.
Explore JumboFinancing for real estate investors building rental portfolios, fixing-and-flipping, or expanding in California.
Explore Investor LoansMake the most of your VA loan benefit with financing designed around your goals.
Explore VAWhen traditional lending doesn't fit, explore creative and complex mortgage financing for unique situations.
Explore SolutionsWhy Todd
Rate matters. But the right mortgage strategy considers much more; the loan structure, down payment, monthly payment, available assets, and your long-term plans.
My job is to compare those variables and structure the financing around your bigger financial picture
How I approach your mortgageTypical approach
Rate
Loan Program
Approval
Strategic approach
Your Goals
Compare Options
Structure the Financing
Close with Confidence
Compare programs and pricing across multiple lending sources instead of being limited to one bank's menu.
Evaluate the down payment, cash reserves, monthly payment, loan structure and long-term cost together.
Self-employed income, multiple properties, unusual assets, jumbo financing and nontraditional scenarios.
Work directly with the person structuring your financing—from the first conversation through closing.
Interactive tools
Run the numbers for a home purchase, refinance, or investment scenario before deciding which financing strategy makes sense.
Mortgage payment calculator
$170,000 · loan $680,000
Estimated monthly payment
$5,186
Estimates are for educational purposes only and are not a loan quote or commitment to lend.
More calculators
Explore a purchase price based on your target monthly housing payment.
Open CalculatorCompare how different down payments change the deal.
Open CalculatorFind the month a refinance starts paying off.
Open CalculatorCheck where your ratios land before you apply.
Open CalculatorReal financing strategies
Some mortgage scenarios don't fit neatly inside a standard approval box. The right strategy can make all the difference.
Self-employed
Challenge
Traditional income documentation didn't accurately reflect the borrower's available cash flow.
Strategy
Evaluated alternative documentation and lending programs designed for self-employed borrowers.
Outcome
Created a financing path based on a more complete picture of the borrower's finances.
Real estate investor
Challenge
Traditional qualification created limitations for an investor focused on expanding a rental portfolio.
Strategy
Evaluated financing based on property cash flow and investor-specific lending options.
Outcome
Structured financing around the investment strategy rather than conventional income qualification alone.
Jumbo financing
Challenge
A high-value purchase required careful consideration of income, assets, reserves and liquidity.
Strategy
Compared multiple jumbo structures and lending sources instead of relying on a single lender's guidelines.
Outcome
Identified a structure designed around both the purchase and the client's broader financial position.
A simple process
Clear guidance from the first conversation through closing.
01
We'll start with your goals, timeline, income, assets and the property you're considering.
02
I'll evaluate available programs and structures so you can compare the tradeoffs clearly.
03
Once we've selected the right strategy, I'll guide the financing from application through closing.
Client experience
Straight answers, thoughtful strategy and direct communication throughout the process.
“Working with Todd has been a great experience. His communication is excellent and he can get fast answers when you need them. Also used him for a quick HELOC after closing on my home. Recommend 10/10!”
“Todd single handedly saved my portfolio. Seriously. This guy is amazing. Not only does he do great work, he’s also just a great person to work with. I could not recommend him any stronger.”
“Todd was attentive, personable, thorough, and punctual. Comparing apples-to-apples against other borrowers and lenders at the time of our transaction, we got a great rate at a great price. Look no further.”
5.0 based on 12 Google reviews
FAQ
Mortgage decisions come with a lot of questions. Here are straightforward answers to some of the most important ones.
Have a different question?
Ask ToddLet's talk strategy
Whether you're buying, refinancing, investing or navigating a complex financial situation, let's look at the numbers and build a financing strategy around your goals.