Resident Lending & Realty Inc. NMLS #394507

Resident Lending & Realty Inc. NMLS #394507 Resident Lending & Realty Inc. NMLS License #394507
CA DRE #02104925
San Diego, CA

A San Diego resident since I was 9yrs old, I’ve grown to love and admire this city. As a seasoned mortgage expert and certified mortgage advisor, I have been navigating the turbulent waters of the Mortgage Business for over 25 years. With a deep understanding of the abrupt changes in the market, I have developed an acute sense for securing the lowest rates and fees for his clients, which stands as

his strongest skill set. My extensive career has positioned me working with the Nation's largest banks and financial companies, assimilating their strengths in sales training. Now the proud owner of my own mortgage brokerage, I aim to deliver these valuable insights directly to you. Beyond my professional life, I'm a seasoned speaker at Comic-Con, serving as the financial advisor to the creatives in the industry. I also spend my time volunteering heavily with my wife, participating in various community involvements. Feel free to reach out to me, as I am eager to learn your home buying and ownership goals, offering the knowledge and expertise that only a seasoned mortgage expert and certified mortgage advisor can provide. It's been my direct mission statement and goal to provide the best service and programs available. I help clients purchase new homes, restructure existing loans, leverage equity for investments, and accomplish other life goals. has a support team designed for the originator, with the consumer and referral partner in mind. We are dedicated to closing loans on time, while keeping competitive with an industry that is constantly evolving.

04/07/2026

I am Resident Lending.

I’m an independent loan originator, but let’s be clear: I don’t answer to a corporate board or chase vanity awards. I answer to you. My license hangs with Best Equity Inc. to keep things sharp and compliant, but the work, the quota, and the reputation are mine alone.

Why that matters for you:

Zero Middlemen: I handle the calls, the emails, and the "why is this happening?" moments myself.

High Tech, High Touch: We’ll FaceTime to talk strategy, and I send custom videos to break down the complex math so you actually understand your options.

The Finish Line: I don’t just "fund" loans; I show up at the closing table with the notary and a gift because this is a life event, not a line item.

I carry a Real Estate license too, which means I speak the same language as your agent (we’re a team, not rivals). I have the competitive drive of an Olympic athlete, but I channel that intensity into winning for my clients, not for a trophy case.

Being a "Resident" is a point of pride in San Diego. Let’s build a plan for your future.

02/13/2026

Productivity Problem

While AI may lead to sizable increases in labor productivity, that’s no reason to lower rates as Kevin Warsh suggests.

Productivity gains may not materialize, moreover the massive investment in AI/LLMs is pushing up prices for energy, chips, electrical equipment, plumbers, electricians, and so on.

Therefore, you probably see lower production costs from increased investment, and thus faster growth, but concomitant inflationary pressure.

To prevent it, rate hikes are likely. 📈

The headlines, current events, and whirlwind of things happening all over are not easy to digest. I’m making a bet on it...
02/08/2026

The headlines, current events, and whirlwind of things happening all over are not easy to digest.

I’m making a bet on it:

The current tension, uncertainty & unknown future ahead that can be felt, has some unknown musician, an unknown performance artist, or rising artist in some field of expression, in the zone.

They’re writing the next hit album, song or scathing lyric that define this time in history.

Or make the biggest movie.

Write the best book.

Either way, it’s important to remember that during every major shift in history, the best of human expression is always created and delivered.

Think about the music and art that’s helped society evolve after major wars or civil strife. Most all your favorite songs and movies are based on nightmares and the hope for better.

Happy Super Bowl Sunday.

Look for Bad Bunny today ❤️🤘🏼

01/20/2026

🚨 Market Alert: Mortgage Rates Facing Upward Pressure

We’re seeing a significant shift in the market this morning. Mortgage rate sheets are expected to take a hit as the 10-year Treasury yield surged to 4.30%—its highest level in four months.

What’s driving this?

• Geopolitical Tension: Markets are reacting sharply to developments over the weekend regarding the administration's push for Greenland.
• Global Bond Sell-off: For the first time in a long while, bonds are losing their "safe haven" status as investors pull back globally.
• International Influence: A major crash in Japanese bonds (with 40-year debt hitting record highs above 4%) is spilling over into U.S. markets.

The Bottom Line: Reprice risk is HIGH today. If you are mid-process, we should discuss locking sooner rather than later. Expect continued volatility throughout the week.

01/08/2026

Tariff Totals

Two new academic studies analyzing tariffs essentially find that their indirect effects on production, consumption, and employment tend to swamp the effects on inflation. These studies find that tariffs tend to result in milder inflation or even deflation due to weaker manufacturing activity, reduced demand by business and households for imports due to higher prices, and slower employment growth because tariff shocks increase uncertainty felt by businesses.

Feeling left in the dark about the status of your client's home loan? When you work with me, you'll always be in the loo...
05/31/2025

Feeling left in the dark about the status of your client's home loan? When you work with me, you'll always be in the loop — no more guessing games. Let’s join forces and keep those milestones shining bright!

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With a condo, you leave everyday maintenance and worrying up to someone else and enjoy your freedom instead. Contact us for financing options!

Real estate agents — your buyers could purchase a home with as little as 3.5% down and a FICO score as low as 580! Call ...
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Real estate agents — your buyers could purchase a home with as little as 3.5% down and a FICO score as low as 580! Call today to learn more.

Memorial Day is about remembering the sacrifices of those who gave their all to protect our freedom. On days like this w...
05/26/2025

Memorial Day is about remembering the sacrifices of those who gave their all to protect our freedom. On days like this we celebrate the brave people of the armed forces. Thank you.

Still renting? Your money could be going toward something that creates lasting value. Reach out to learn more about what...
05/24/2025

Still renting? Your money could be going toward something that creates lasting value. Reach out to learn more about what it takes — and how much it really costs — to buy a home of your own!

Buying a house is one of the most important decisions you’ll ever make. Fortunately, you don’t have to make it alone. Ca...
05/22/2025

Buying a house is one of the most important decisions you’ll ever make. Fortunately, you don’t have to make it alone. Call me today!

Address

5360 Jackson Drive #200
San Diego, CA
91942

Opening Hours

Monday 9am - 5:30pm
Tuesday 9am - 5:30pm
Wednesday 9am - 5:30pm
Thursday 9am - 5:30pm
Friday 9am - 5:30pm
Saturday 9am - 12pm
Sunday 9am - 12pm

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