Abel Tejeda "The Mortgage Guy"

Abel Tejeda "The Mortgage Guy" Let's explore your options together! We are a full service mortgage broker in San Diego, CA. The day you call, I approve and lock the interest rate of your loan.
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At eMortgageGuys, we tailor mortgage solutions to fit your needs, whether you're refinancing for a better rate, purchasing your dream home, or leveraging your equity. We especialize in a wide array of lending products, from VA, FHA and conventional to equity loans, bank statement loans and reverse mortgages.My focus is on closing your loans faster and more efficiently. My winning strategy consists

of a carefully crafted blend of excellent Interest Rates, Flexible Loan Products and Exceptional Customer Service . This concept combines the winning combination: paperless loan process with instant automated loan approvals.This new process allows American Mortgage Group and our customers to Partner at the Point of Sale.

I make my living helping people obtain financing.But sometimes the responsible advice is to wait. ⏳Maybe the closing cos...
08/28/2026

I make my living helping people obtain financing.

But sometimes the responsible advice is to wait. ⏳

Maybe the closing costs outweigh the benefit.

Maybe the new payment would create more pressure than relief.

Maybe a little time could improve the options.

Or maybe there is not a clear exit strategy yet.

Finding a program is only part of the job. The bigger responsibility is deciding whether using it makes sense.

I would rather tell someone, “not yet,” than help force a transaction they may regret later.

Good mortgage advice should help you make a sound decision, even when that decision is to do nothing today. 🤝

🏡 A lender may approve a buyer for a certain amount.That number answers one question: What may fit the loan guidelines b...
08/27/2026

🏡 A lender may approve a buyer for a certain amount.

That number answers one question: What may fit the loan guidelines based on the information reviewed?

It does not know what feels comfortable in your real life.

Childcare. Travel. Retirement contributions. Helping family. Business expenses. The amount you want left over after every payment is made.

Those priorities may not appear in the same way on a loan application, but they still matter.

The best purchase price is not necessarily the highest amount you can qualify for.

It is the amount that lets you own the home without feeling owned by the payment.

📲 Send this to someone preparing to buy a home.

⭐ Client Review Spotlight ⭐Sometimes the reviews speak for themselves.Joe shared that our team explained the process, fo...
08/13/2026

⭐ Client Review Spotlight ⭐

Sometimes the reviews speak for themselves.

Joe shared that our team explained the process, followed through, and handled things like professionals.

That is exactly what we want every client to feel. Clear communication, steady follow-up, and a team that does what it says it is going to do.

Thank you, Joe, for trusting eMortgageGuys and for taking the time to share your experience.

You found the next home, but the money for the purchase is tied up in the home you already own.That is not always a fina...
08/12/2026

You found the next home, but the money for the purchase is tied up in the home you already own.

That is not always a financing problem. Sometimes it is a timing problem.

Depending on the equity, income, credit, and complete transaction, possible strategies may include a bridge loan, a home-equity option, or financing structured around the current and future properties.

Each path has tradeoffs.

You may temporarily carry more than one housing obligation. There may be additional costs. And the plan needs enough room in case the current home takes longer to sell than expected.

The goal is not simply to buy first.

It is to make sure the transition still works if the timing is not perfect.

If you are planning a move within California, we can compare the possibilities before you start making offers:

https://call-with-abel.emortgageguys.com/

⭐ Client Review Spotlight ⭐Yan shared that our team was professional, quick, reliable, and took a personal approach to f...
08/07/2026

⭐ Client Review Spotlight ⭐

Yan shared that our team was professional, quick, reliable, and took a personal approach to finding a solution that fit his situation.

That is exactly what we aim for.

Every homeowner’s situation is different, so the answer should not be one-size-fits-all. We take the time to understand the full picture and look for options that actually make sense.

Thank you, Yan, for trusting eMortgageGuys and for the kind recommendation.

💡 “No required monthly payment” is what gets people’s attention.But it shouldn’t be the only thing they understand. A Ho...
08/06/2026

💡 “No required monthly payment” is what gets people’s attention.

But it shouldn’t be the only thing they understand.

A Home Equity Investment, or HEI, provides money upfront in exchange for a future settlement amount that is based partly on the home’s value.

Because it isn’t structured like a traditional monthly-payment loan, it may help homeowners who want to avoid another recurring payment or have difficulty documenting income traditionally.

But there is still a cost.

The future settlement can be affected by the agreement, the property’s value, how long the HEI remains in place, and any limits or protections included in the contract.

An HEI can be a useful tool for the right homeowner. It can also become expensive if the terms and exit strategy aren’t clearly understood.

Compare it with a HELOC, fixed second mortgage, or refinance before making the decision.

Save this post before tapping into your equity.

One of the biggest fears I hear about reverse mortgages is:“Does the bank take ownership of my house?”No. With an FHA-in...
08/04/2026

One of the biggest fears I hear about reverse mortgages is:

“Does the bank take ownership of my house?”

No. With an FHA-insured reverse mortgage, you remain the owner of your home.

For eligible homeowners age 62 or older, it may provide access to equity without requiring monthly principal-and-interest payments. However, the homeowner must continue living in the property as their primary residence, maintain it, and stay current on property taxes and homeowners insurance.

It’s still a loan, and the balance eventually has to be settled. That’s why a reverse mortgage isn’t automatically good or bad.

The real question is whether it fits your goals, timeline, and the alternatives available to you.

If you own a property in California and want to understand your options, find a time to connect with me here:

https://call-with-abel.emortgageguys.com/

⭐ 5-Star Review ⭐Thank you to Yolanda and Richard for the kind words and for trusting our team.They shared that they fel...
07/31/2026

⭐ 5-Star Review ⭐

Thank you to Yolanda and Richard for the kind words and for trusting our team.

They shared that they felt well taken care of, that everything was explained clearly, and that Josue did a great job helping them through the process.

We never take that trust lightly.

Clear communication and professionalism are always the goal, from the first conversation to the finish line.

⭐ Another 5-Star Review ⭐I'm a little late sharing this one, but it was too good not to highlight.Kathie thanked our tea...
07/29/2026

⭐ Another 5-Star Review ⭐

I'm a little late sharing this one, but it was too good not to highlight.

Kathie thanked our team for making the equity process easy, fast, and detail-focused.

We appreciate every client who takes the time to leave a review, especially when they recognize the care and attention that goes into the process.

Thank you, Kathie, for trusting eMortgageGuys.

Clients normally see the phone calls, emails, and final result.What they don’t always see is everything happening behind...
07/26/2026

Clients normally see the phone calls, emails, and final result.

What they don’t always see is everything happening behind the scenes.

Files are reviewed. Guidelines are compared. Conditions are tracked. Problems are discussed. Lenders are contacted. Every detail is checked again before the next step.

I may be the person clients speak with, but helping someone reach the finish line is never a one-person job.

It takes a team that communicates, pays attention, and cares enough to keep looking when the first answer isn’t the right one.

I’m proud of the people behind eMortgageGuys because our clients don’t just get one person working on their situation.

They get all of us.

Address

419 West G Street
San Diego, CA
92101

Opening Hours

Monday 9am - 7pm
Tuesday 9am - 7pm
Wednesday 9am - 7pm
Thursday 9am - 7pm
Friday 9am - 7pm
Saturday 9am - 3pm

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