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A San Diego Mortgage Broker Who Shops 40+ Lenders for You
ReBroker Buddy is a San Diego mortgage broker, run by Trevor Gravink (NMLS #1707407), that compares home loans from 40+ wholesale lenders to get you a better rate and terms on a home purchase, a refinance or an investment property.
A bank can only offer its own loans. As a broker, I send your file to the lender that fits it best, whether you're a first-time buyer with 3% down, a veteran using your VA benefit, self-employed with tax returns that don't show your real income, or an investor buying a rental.
Why use a mortgage broker instead of a bank?
A mortgage broker compares many lenders at once, so you usually get a lower rate or lower costs than you would from one bank, without filling out a new application for each.
- One application, many lenders. I price your scenario across 40+ wholesale lenders and show you the best options side by side.
- Wholesale pricing. Wholesale lenders price loans for brokers, which is often below the retail rate a bank quotes walk-in customers.
- More ways to say yes. If one lender turns your file down, another may approve it. I can move your loan without you starting over.
- One person from start to finish. You work with me directly, not a call center, from pre-approval to closing.
Home loans for San Diego buyers, homeowners and investors
Here's what I can help with. Each link explains the program, who it fits and what it takes to qualify.
Buying a home
Pre-approval that holds up when you write an offer, with low-down-payment options for first-time buyers and veterans.
Refinancing
Lower your rate or payment, take cash out, or tap your equity without touching your first mortgage.
Investing in real estate
Qualify on the property’s rent instead of your tax returns, and buy in your name or an LLC.
Self-employed and non-QM
Options for borrowers whose income doesn’t fit a standard W-2 file.
What San Diego homebuyers should know before they apply
The loan limit is higher here
In 2026 the conforming and FHA loan limit in San Diego County is $1,104,000 for a one-unit home, compared with $832,750 in most of the country. Many San Diego buyers can stay with a conventional or FHA loan at prices where buyers elsewhere would need a jumbo loan.
Your property tax resets when you buy
California reassesses a home at its purchase price when it sells, so your tax bill is based on what you pay, not what the seller was paying. With local charges on top of the 1% base rate, plan on about 1.25% of the purchase price a year. Your pre-approval should use that number, not the current owner’s bill.
Check for Mello-Roos in newer neighborhoods
Many newer communities in the county carry a Mello-Roos special tax on top of regular property tax. Lenders count it in your monthly payment, so ask for the amount early, before it changes how much you qualify for.
Insurance can move your numbers
Homeowners insurance has gotten harder to place in parts of California, especially near wildfire areas. Get a quote while you’re house hunting, because the premium is part of the payment your loan is approved on.
562 loans and $225 million funded since 2019
Since 2019 I’ve closed 562 loans totaling $225.3 million: 346 refinances, 194 purchases and 22 others. In 2020, United Wholesale Mortgage named me to its Top 1% of brokers. Clients rate me 5.0 on Google (75 reviews) and 4.96 on Zillow (55 reviews).
What clients say
“Trevor helped us finance our home purchase. It wasn't the simplest of transactions, but he made it as smooth and painless as possible. He was great at explaining things in layman's terms and he made sure to keep us informed and updated every step of the way.”
— Nick D., home purchase (Google review)
“Outstanding experience from start to finish! Trevor was professional, responsive, and made the entire process smooth and stress-free. He worked quickly, communicated clearly, and completed everything on time.”
— Paul P., FHA loan (Google review)
“Trevor has been such a great LO to work with. He is professional, courteous and knows the mortgage business as much as anyone.”
— Andrew N., VA loan (Google review)
“Trevor was a great broker to work with! He was upfront, efficient, and in constant communication. I will definitely use him for any other mortgage loan needs in the future.”
— Jason R., conventional loan (Google review)
“I am self-employed and have been told it would be difficult to get a traditional mortgage from my current bank… I never once felt like Trevor was trying to sell me anything, he was always totally balanced and neutral.”
— Justin B., bank statement loan (Google review)
“Trevor helped get us quickly to closing on a multifamily property when a competing DSCR lender could not. We closed in under 3 weeks!”
— Ryan B., DSCR investment loan (Google review)
About Trevor Gravink
I’m Trevor Gravink, the founder of ReBroker Buddy (Broker Buddy LLC) and a mortgage broker based in San Diego. I’ve been originating loans since 2019 and work with homebuyers, homeowners refinancing, self-employed borrowers and real estate investors.
I’m licensed as a mortgage loan originator in California (DRE MLO endorsement), Arizona, Florida, Oregon, Tennessee, Texas and Washington. You can check my license on NMLS Consumer Access (NMLS #1707407).
That license covers loans on a home you live in. DSCR loans on rental properties are business-purpose loans, so I can also arrange them in 36 states plus Washington, D.C. In Alaska, Georgia and Kansas, DSCR loans must close in an LLC.
I also explain loans on YouTube, from DSCR basics to what to look for in a lender, so you can learn the details before you ever talk to me.
Mortgage questions San Diego buyers ask
What does a mortgage broker do?
A mortgage broker compares loan programs from many lenders, helps you pick the one that fits, and manages your loan from application to closing. I work with 40+ wholesale lenders, so you fill out one application and see several options side by side instead of applying at bank after bank.
Is it cheaper to use a mortgage broker than a bank?
Often, yes. Wholesale lenders price loans for brokers, and because I can compare many of them at once, you usually see a lower rate or lower costs than a single bank quote. The best way to check is to compare Loan Estimates side by side, and I'm happy to review one you already have.
How much do I need to put down to buy a home in San Diego?
It depends on the loan: 0% for VA loans, 3% for some conventional loans for first-time buyers, 3.5% for FHA, and usually 10–20% for jumbo loans. In 2026 the conforming and FHA loan limit in San Diego County is $1,104,000 for a one-unit home, so many San Diego buyers can stay out of jumbo financing.
What credit score do I need for a mortgage?
Roughly 580 for FHA with 3.5% down, 620 for most conventional loans, and 620 for most DSCR investor loans. VA doesn't set a minimum, but most lenders look for about 580–620. A higher score gets you a better rate, so I'll tell you if a few points would make a real difference before we lock.
Which states do you lend in?
It depends on the loan. For a home you'll live in, I'm licensed as a mortgage loan originator in California, Arizona, Florida, Oregon, Tennessee, Texas and Washington. DSCR loans on investment properties are business-purpose loans, and I offer them in 36 states plus Washington, D.C.; in Alaska, Georgia and Kansas they must close in an LLC. My office is in San Diego, and most of my homebuyer and refinance clients are in San Diego County.
How long does it take to close a home loan?
Most purchase loans close in about 21 to 30 days, and refinances often close in a similar window. A fast pre-approval and getting your documents in early are the two things that speed it up most.
Do you post your mortgage rates?
I don't list a single rate on this page, because your rate depends on your credit, down payment, loan type and the property. See today's mortgage rates and today's DSCR rates for a current starting point, or call me for your exact numbers.
Let’s find your best loan
Tell me what you want to do and I’ll show you which lenders will do it and on what terms. Getting your options is free, and most purchase loans close in about 21 to 30 days.
Want today’s numbers first? See today’s mortgage rates or today’s DSCR rates for a current starting point. I don’t post a single rate here because yours depends on your credit, down payment and property.
Trevor Gravink, NMLS #1707407, CA DRE #02117228. Broker Buddy LLC, CA DRE #02126109, powered by Adaptive Mortgage Solutions Inc., NMLS #2022974. Loan limits shown are 2026 figures for San Diego County. Not a commitment to lend; all loans are subject to credit approval, underwriting and property eligibility. Programs and terms can change at any time.
STEP 1
Apply Online or Call Directly
Find out how much home you can buy or discover how much you can save by refinancing.
STEP 2
Review What Options You Can Qualify For
Learn exactly how much you qualify for and what you would save by working with us.
STEP 3
Get Loan Approval in 24 Hours
Get mortgage loan approval to move forward with your property.
Broker Buddy LLC
Trevor Gravink
Mortgage Consultant
CEO/Owner
(619) 404-6637
NMLS: 1707407
NMLS Consumer Access Lookup Tool
CA DRE # 02117228
5371 Wilshire Dr. San Diego, CA 92116
© 2026 Broker Buddy LLC
Powered by Adaptive Mortgage Solutions
Company NMLS # 2022974
CA DRE # 02126109
