Welcome
Why Choose Us?
We’re a trusted, family-run boutique mortgage brokerage based in Encinitas, CA. Dedicated to putting our clients first and building lasting relationships.
- Self-Employed or 1099? We offer Bank Statement Only programs! No tax returns, No pay stubs needed.
- Competitive rates on HELOC’s and Cash-Out Fixed 2nd Mortgages with many program types to choose from.
- Personalized service on all loan types – Conventional, VA, FHA, USDA, JUMBO Loans, etc.
- Investor Programs available – DSCR, Fix and Flips, Construction Loans, and more.
- We monitor your loan for life. Rest easy knowing MPHL will alert you for refinance opportunities and rate drops!
- We have relationships with great real estate agents in your area, we’d be happy to connect you!
- Completely online experience. No paperwork! Use our Mortgage Calculator, its free!
- Diverse financing options to fit your needs with a streamlined process.
- We pride ourselves on closing transactions fast! Contact us and ask about closing in 10 days!
What is your why?
Owning a home can offer stability, financial growth potential, personalization freedom, valuable tax benefits and serve as a valuable asset for future generations.
If you have any questions you can always contact one of our team members directly.
Get Your Personalized Housing Market Report
At MPHL, we’re always looking for new ways to provide valuable insights to our clients, and we’re excited to introduce a powerful new resource: personalized, ZIP-code-specific housing market reports. You now have access to weekly housing market updates tailored to your area—completely free. These reports are currently available for all California ZIP codes, with additional states coming soon. Stay tuned for expanded coverage!
If you have any questions about your housing market reports or would like help making sense of how the information relates to your situation, feel free to contact one of our team members directly – we’re happy to help.
Tell us your story
Whether you are a first time homebuyer or an experienced real estate investor, having a mortgage team you can count on is crucial.
We pride ourselves on excellent communication and easy accessibility when you need us. Our experienced staff is here to guide you every step of the way.
Fill out the questionnaire on this page to start a discussion about your mortgage needs today!
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