Petersen Home Loans

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Petersen Home Loans Mortgage Advisor since 2015. VA, FHA, Conventional, Jumbo and non-QM financing

Erik Petersen Mortgage Loan Officer NMLS #1359899
Intercap Lending NMLS #190465
Equal Housing Lender

When I left engineering in 2014, I knew I wanted to come back to California and do work where I could feel the impact I ...
10/16/2026

When I left engineering in 2014, I knew I wanted to come back to California and do work where I could feel the impact I was having on people.

I didn’t know how much I’d learn along the way.

My uncle helped me get started. Clients and Realtor partners have given me plenty to think about. And becoming a dad has taught me things about myself that I probably wouldn’t have figured out any other way.

I think what makes me a good loan officer is the combination of how my brain works and how much I enjoy working with people. I like digging into the details, finding a creative solution, and explaining it in a way that actually makes sense. I also want to understand what someone is trying to build for their life before we decide how to finance it.

I still like solving problems and building things. But the people I get to do those things with have become a much bigger part of the story than I expected.

Here are a few lessons that have stayed with me. Still learning, for the record.

If you’re thinking about buying a home in Clairemont, I’m here. Tell me what you have in mind, and we can work through the numbers and figure out your next step together. Send me a message anytime.

A lot of the Realtors I work with have become friends. We spend plenty of time talking through offers, timelines, and th...
10/09/2026

A lot of the Realtors I work with have become friends. We spend plenty of time talking through offers, timelines, and the occasional puzzle a transaction throws our way, so it’s nice to get together and talk about something else for a change.

I’m grateful for this crew. They care about the people they work with, they show up for each other, and, as it turns out, they’re pretty fun to have on a baseball team too.

I can’t promise we won every inning, but I’d happily play with them again.

Apparently “loan officer” doesn’t tell you much about what I’m like outside the office. So here’s a little more of the p...
10/02/2026

Apparently “loan officer” doesn’t tell you much about what I’m like outside the office. So here’s a little more of the picture.

I’m a dad who will absolutely put on a Batman suit for Kenji. I’m a 49ers fan with friends who make questionable choices in football teams. I like golf, hiking, fishing, horseback riding, and finding reasons to get outside with Kaili.

Most of all, I’m Kaili’s husband and Kenji and Emiko’s dad. They’ve taught me more about myself than I expected, and spending time with them is still my favorite thing to do.

If we’ve only talked about mortgages, now you know a few other things we can talk about too.

What’s something you love doing when you’re off the clock?

If you’re new here, I’m Erik. I’m a mortgage advisor, a former engineer, and a dad who has learned that two kids can mak...
09/25/2026

If you’re new here, I’m Erik. I’m a mortgage advisor, a former engineer, and a dad who has learned that two kids can make even a quiet afternoon feel like an adventure.

This is my wife, Kaili, and our kids, Kenji and Emiko. They’re my favorite people and, without question, my biggest win in life.

I left engineering 12 years ago because I wanted to be back near family and do work where I could see the difference I was making. These days, I help people figure out how to get into a home and what they might be able to build from there.

But this photo gets at the simpler reason I love what I do. A home is where the birthday cake gets a little messy, the kids grow up, and ordinary afternoons become the memories you keep.

I feel pretty lucky to be building those memories with this crew.

Wishing you a fun and meaningful 4th of July. Here’s to celebrating freedom, community, and the people who make every pl...
07/04/2026

Wishing you a fun and meaningful 4th of July. Here’s to celebrating freedom, community, and the people who make every place feel like home.

06/29/2026

Timing is the reason most move-up buyers hesitate. It is also one of the most solvable problems in the transaction when a lender knows what they are doing.

We work with agents regularly to structure loans that give clients flexibility on both the buy and sell side. That means cleaner offers, fewer contingencies, and transactions that do not fall apart because the calendar did not cooperate.

If you have a listing where the seller needs to buy next, this is a conversation worth having before they go under contract. The earlier we get involved, the more options we have.

Send us the scenario and we will tell you what fits.

06/26/2026

Most people think they have to sell their home before they can buy the next one. That is not always true.

Our Stress Less Transition program gives you a 90 day window to buy your next home before your current one sells. No scrambling to find temporary housing. No making an offer contingent on your sale. No living out of boxes while you wait.

Here is why that matters in today's market. Contingent offers are harder to win. Sellers want certainty. When you can come in without a sale contingency, your offer looks completely different.

There are conditions to qualify and not every situation will fit. But for the right buyer, this program removes one of the biggest stress points in the entire moving process.

Watch the video and reach out to find out if you qualify. The process is more straightforward than most people expect.

06/24/2026

Not every buyer looks the same. Neither should their loan.

First-time buyer with limited savings? We have programs for that. Self-employed with complicated income? We have a path forward. Veteran ready to use your benefit? We have you covered. Investor building a portfolio? We work with that too.

The biggest mistake buyers make is assuming they do not qualify before they ever ask. The second biggest mistake is working with a lender who only has one or two options to offer.

We carry the full range. FHA, VA, USDA, Conventional, Jumbo, HELOC, New Construction, Reverse Mortgage, and more. Whatever your situation looks like, we start by finding the right fit, not forcing you into what is easy.

Watch the video and then reach out. Your scenario is probably more workable than you think.

06/22/2026

Ever wonder what actually happens after you apply for a home loan?

Most buyers have no idea what goes on behind the scenes. They submit their application and then wait, hoping for good news. We think you deserve to know exactly what is happening and why.

The approval process comes down to a few core things. Your income, your credit, your assets, and the property itself. Each one gets reviewed and verified. When all four check out, you get your approval.

Knowing this upfront means no surprises mid-process. It also means if something needs attention, we catch it early and fix it before it becomes a problem.

Watch the video. Then reach out and we will walk you through exactly where you stand.

Address

8954 Rio San Diego Drive Unit 102
San Diego, CA
92108

Telephone

+17074992482

Website

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