Panoramic Lending

Panoramic Lending Welcome to Panoramic Lending, formerly known as Rapozo Funding! I was mentored extensively and mastered the foundation of the industry.

Specializing in funding and loans, with a passion for empowering military personnel, self-employed individuals, and investors to reach their financial goals. I consider myself a true San Diego mortgage expert, taking pride in making it happen for my clients. I got my start in San Diego after moving from the Bay Area to attend San Diego State University in 1995. I attended SDSU to get my degree in

Kinesiology because I've always been passionate about helping people build healthy lifestyles. Flash forward to now, I've been able to integrate that into assisting people with education and comfort in buying smart San Diego Real Estate. I didn't enter the real estate industry until 1998, where I took a position managing a team of 4 of San Diego’s top producing agents in the Metro Area. From residential purchase contracts to investment and commercial rental and purchase contracts, I hand-held each client from beginning to end. As I grew in my position I moved into working as a Real Estate agent during one of San Diego’s busiest eras. After 5 solid years of selling Real Estate, I felt I could be of greater influence by being directly involved with my client’s financial decisions. In doing so, I have built a business through personal integrity, building client trust and educating clients on how to make great decisions for their financial investments. When I'm not helping my clients discover and get approved for their mortgage loans, I can usually be found working on DIY projects with my spouse, James and our two dogs: Hudson and Bruno.

Waiting until you have 20% down + closing costs before buying your first home? 🏡You may be waiting longer than necessary...
08/28/2026

Waiting until you have 20% down + closing costs before buying your first home? 🏡

You may be waiting longer than necessary.

Here are 3 things first-time buyers are often surprised to learn:

🏠 You may not need 20% down.
Some qualifying programs allow for considerably smaller down payments. The right question is which program fits your situation.

🏦 Your bank may not have every option.
Some banks primarily offer their own in-house programs, which means it can be worth exploring what other mortgage options may be available.

📈 Your credit doesn't have to be perfect to start.
The carousel notes that some programs may go into the lower 600 range, and a Potential Score Simulator can help identify opportunities to improve your credit when needed.

The bottom line: Every situation is different. Your roadmap should be built around your whole financial picturenot assumptions.

👉 Discover more and start the conversation about what may be possible for you.

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08/26/2026

Self-employed? Don’t assume your tax returns tell the whole mortgage story.

When you’re thinking about buying a home or investment property, it’s easy to immediately worry:

“What do my tax returns show?”
“How am I going to qualify?”

But don’t start there.

If you’re self-employed, recently moved from W-2 to 1099 income, or own rental properties showing losses because of depreciation and other tax strategies, your overall financial picture may require a closer look.

That’s where proactive mortgage planning matters.

I once worked with a client who had started a construction business and was only about 10 months in. Instead of simply telling him to wait, we looked at his business bank statements, identified what his deposits needed to look like, and built a plan around the next few months.

He ultimately purchased a property around $1.2 million, added two ADUs, and about a year later refinanced and put approximately $600,000 back into his pocket. He also purchased another property and was already looking at the next one.

The lesson?

Before you change how you file your taxes or assume you have to wait another year, talk to your mortgage strategist first.

Let’s understand your financial picture, put pen to paper, and build the financing strategy around you.

👉 Discover more about proactive mortgage planning and follow Panoramic Lending for more strategies.

📲 Have questions? Reach out through our social channels.
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Think you need to have it all figured out before talking to a lender? You don’t. 🏡Here’s the whole homebuying path in pl...
08/26/2026

Think you need to have it all figured out before talking to a lender? You don’t. 🏡

Here’s the whole homebuying path in plain English:

1️⃣ Conversation — understand your buying power.

2️⃣ Pre-approval — get a strategic roadmap and estimated payment.

3️⃣ House hunting — shop with a real number instead of a guess.

4️⃣ Offer — your lender and agent work together to make the offer as strong as possible.

5️⃣ Escrow + underwriting — documents are verified and the loan moves toward final approval.

6️⃣ Signing + keys the loan funds, the deed is recorded, and the home becomes yours.

From accepted offer to keys, the process is often around 21–30 days, but every transaction has its own timeline.

You don’t have to figure out every step at once. Take it one step at a time.

👉 Discover more and start with a conversation about where you stand today.

08/25/2026

What if “you don’t qualify yet” isn’t the end of the conversation?

I talk to self-employed borrowers all the time who have been told:

❌ “The bank said no.”
❌ “You don’t qualify.”
❌ “You just became self-employed you need two years.”

But my goal isn’t to wait until you’re ready to apply.

I want to help you get ready.

That means understanding where you are today, where you want to go, what you can control, and what your numbers need to look like to get there.

Maybe you’re ready today.
Maybe you need 2 more months.
Maybe 6 or 8 months.

Either way, let’s create a roadmap.

I once worked with an attorney whose tax returns showed years of losses, even though he believed he could afford the payment on a $4M home. After reviewing 12 months of bank statements, we identified a potential path toward approximately a $3.5M purchase with 15% down.

That’s why I want you to call before you think you’re ready.

Let’s understand where you are, where you want to go, and build the roadmap to get you there.

👉 Discover more about mortgage strategies for self-employed borrowers and follow Panoramic Lending for more.

📲 Have questions? Reach out through our social channels.
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Thinking about using your VA benefit? Don’t wait until you’re already house hunting to start the conversation. 🇺🇸🏡Your V...
08/22/2026

Thinking about using your VA benefit? Don’t wait until you’re already house hunting to start the conversation. 🇺🇸🏡

Your VA eligibility can shape more than how you finance your home it can shape what you can shop for. That’s why it’s worth bringing it up during your first conversation with your agent and lender, not the fifth.

Before you start looking, here are 3 things worth knowing:

1️⃣ Bring it up early.
Your eligibility matters from the beginning.

2️⃣ Ask your lender how often they write VA loans.
Experience with the benefit can mean fewer surprises and faster answers when timing matters.

3️⃣ Let your offer’s strengths be presented.
A well-prepared VA offer has strengths of its own and your agent and lender can communicate those strengths to the listing side.

You earned this benefit. It’s worth understanding what it can actually do for you.

👉 Swipe through the carousel and discover more about using your VA benefit strategically.

📲 Ready to talk through your situation? Reach out to Panoramic Lending.

🔗 Link in bio.

08/21/2026

Getting approved for a mortgage is one thing. Being able to comfortably keep that home is another.

The third and final piece of my divorce mortgage series is Sustainability and it may be the most important one.

If part of your qualifying income comes from alimony or child support, that income may only continue for a certain period of time. But your mortgage could last for decades.

So the question becomes:

What happens when that income stops?

Could your assets supplement the income?
Are you planning to return to work?
Is your income expected to increase?
Is there another financial strategy that could help keep the home comfortable and sustainable?

These are conversations worth having before making major decisions.

My goal as a Certified Divorce Lending Professional (CDLP) isn't simply to help you qualify. It's to help you understand whether what you're doing today supports the life you're building tomorrow.

And during a separation or divorce, that takes more than strategy. It takes empathy, listening, and understanding.

If you're navigating a separation or divorce, let's start with a conversation and begin building your roadmap for the next chapter.

📲 Reach out to Panoramic Lending to discover more.
🔗 Link in bio.

08/20/2026

It’s not just about what you have. It’s about how those assets and income can actually work within your mortgage plan.

The second part of my divorce mortgage series is attainability.

Once we know what’s feasible, the next question is: How do we make it attainable?

During a divorce, assets and income can be treated very differently for mortgage qualification.

Think about:
• 401(k) assets and when they may be usable
• Whether assets can contribute to qualification
• Alimony or child support as potential qualifying income
• Documentation and receipt history
• How long that income is expected to continue

These details matter before your Marriage Settlement Agreement (MSA) is finalized.

As a CDLP, I’m not here to write your legal agreement that’s your attorney’s role.

I’m here to bring the mortgage perspective to the table so your legal, financial, and mortgage professionals can work toward the same goal.

The objective? Understand what you want your next chapter to look like and build the financial roadmap to get you there.

👉 Discover more in this reel and follow along for the next part of the series.

📲 Have questions? Reach out to Panoramic Lending.
🔗 Link in bio.

Think you already used your VA loan? Don’t stop there. 🇺🇸That sentence stops a lot of military families from asking the ...
08/20/2026

Think you already used your VA loan? Don’t stop there. 🇺🇸

That sentence stops a lot of military families from asking the next question.

One family I worked with received PCS orders and planned to sell their home. But after we looked at their situation, they discovered they had options including potentially using their VA benefit a second time.

VA entitlement is the portion of the loan the VA guarantees on your behalf, and depending on your circumstances, your entitlement may be restored or you may have remaining entitlement available for another purchase.

If you're relocating because of PCS orders, don't assume your VA benefit is finished.

Your situation may have more possibilities than you think.

📲 Have PCS orders or considering your next move? Let's look at your specific scenario and build a strategy around your options.

Discover more with Panoramic Lending.

08/19/2026

Going through a divorce? “Can I keep my house?” may be the wrong first question.

When I became a Certified Divorce Lending Professional (CDLP), I wanted to better understand how to support clients navigating separation and divorce.

One of the biggest areas I focus on is feasibility, attainability, and sustainability.

Because your housing options may look different today, six months from now, or a year from now.

How assets are divided, who keeps the family home, whether another home needs to be purchased, alimony or child support, and your post-divorce financial picture can all shape the roadmap.

My role isn't simply to say “yes, you qualify” or “no, you don't.”

It’s about understanding what you ultimately want, weighing your options, and determining what’s feasible and when.

The decisions you make today can directly support where you want to be tomorrow.

Discover more about divorce lending and the questions you should consider before finalizing your plans.

📲 Follow Panoramic Lending for more mortgage strategies and insights.
🔗 Link in bio.

Your VA loan isn’t a weaker offer. A poorly structured VA offer is. 🇺🇸🏡If you’re a veteran using your VA benefit to buy ...
08/19/2026

Your VA loan isn’t a weaker offer. A poorly structured VA offer is. 🇺🇸🏡

If you’re a veteran using your VA benefit to buy a home, you may have heard that Conventional offers are automatically more attractive to sellers.

That’s not the whole story.

The strength of a VA offer comes down to how it’s structured not simply the loan type.

A well-prepared VA buyer can bring:
✔️ Confidence and strong preparation
✔️ Flexibility with debt-to-income ratios
✔️ Competitive rates
✔️ The potential for a quick closing with an experienced VA lender

And sometimes, it starts with something as simple as your lender calling the listing agent, introducing themselves, explaining the strengths of the VA financing, and answering questions before they become concerns.

You earned your VA benefit. You deserve to know how to use it strategically.

Swipe through the carousel to discover what can make your VA offer stand out.

📲 Want to strengthen your next VA offer? Reach out to Panoramic Lending to learn more.

🔗 Link in bio.

Address

1545 Hotel Cir S Ste 145
San Diego, CA
92108

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+16192961312

Website

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