San Diego County Mortgages & Real Estate
Complete mortgage and real estate solutions for San Diego County homeowners, buyers, sellers, and investors. Family-owned brokerage specializing in purchase loans, refinance, reverse mortgages, non-QM lending, second mortgages, and strategic equity access across all San Diego neighborhoods.
San Diego County Strategic Equity Audit
Your home equity is the foundation for every mortgage and real estate decision. Get a comprehensive, no-obligation audit of your San Diego property value, available equity, and strategic options from local mortgage and real estate specialists.
Get Strategic Equity AuditSan Diego County Mortgage Programs
Complete mortgage financing solutions for San Diego County properties, from traditional purchase and refinance loans to specialized non-QM, investor, and senior financing programs.
Loan Programs
Traditional mortgage programs including FHA, VA, conventional, jumbo, purchase loans, rate & term refinance, and cash-out refinance for San Diego County properties.
View All Loan Programs →Non-QM Loans
Alternative financing for self-employed, foreign nationals, recent credit events, bank statement loans, asset-based loans, DSCR, and stated income programs.
View All Non-QM Programs →Investor Loans
Investment property financing including DSCR loans, fix-and-flip, ground-up construction, bridge loans, and hard money for San Diego County rental properties.
View All Investor Programs →Reverse Mortgages
Strategic equity access for San Diego County homeowners 62+. HECM and jumbo reverse mortgages eliminating monthly payments while preserving home ownership.
View All Reverse Programs →Second Mortgages
Access home equity through HELOC, home equity loans, fixed-rate HELOCs, and business-purpose second mortgages without refinancing your first mortgage.
View All Second Mortgage Options →Home Equity Investment (HEI)
Access equity without monthly payments or interest charges. Share future appreciation in exchange for immediate cash with no debt obligation.
View All HEI Options →San Diego County Seller Solutions
Strategic guidance for San Diego County homeowners navigating complex life events, financial distress, or major transitions requiring property sale or equity access.
Ways to Sell Your Home
Compare 3 strategic selling paths: maximize price through full market exposure, sell quickly with certainty, or access equity before selling. Complete San Diego County seller hub.
View All Selling Strategies →Seller Situations
Expert guidance for divorce, probate, inherited property, bankruptcy, foreclosure prevention, and other complex San Diego County seller scenarios.
View All Seller Situations →Strategic Decisions
Data-driven guidance on rent vs buy, buy now vs wait, and other critical financial decisions for San Diego County homeowners and buyers.
View All Decision Guides →Why Choose Solve Lending & Realty for San Diego County
Family-Owned & Operated: Founded by Kiyoshi Inui and Kenji Inui as a family-run mortgage and real estate business based in Southern California, with Jessica Rinaldi Inui specializing in San Diego County real estate.
Complete Product Access: We offer virtually every residential and investor loan program in California, including purchase, refinance, cash-out, HELOC, DSCR, bank statement, asset-based, non-QM, hard money, reverse mortgages, and HEI options.
Local Market Expertise: Deep knowledge of San Diego County neighborhoods, property values, and market dynamics from coastal communities to inland regions.
Specialty Scenarios: Expert guidance on self-employed borrowers, multi-unit properties, ADU financing strategies, and complex income documentation.
Mission: Become one of California's most trusted real estate and lending brands by helping clients make confident decisions during major financial moments.
San Diego County Strategic Guidance
Every San Diego County property and borrower situation is unique. Our approach combines mortgage expertise, real estate market knowledge, and strategic financial planning to identify the optimal solution for your specific circumstances.
Purchase Financing: From first-time buyers using FHA low down payment options to luxury coastal properties requiring jumbo financing, we structure purchase loans that maximize approval odds and minimize long-term costs.
Refinance Strategy: Rate & term refinance to lower payments, cash-out refinance to access equity, or specialized programs to eliminate mortgage insurance and reduce interest costs.
Investment Properties: DSCR loans qualifying by rental income, fix-and-flip financing, portfolio expansion strategies, and coordination for San Diego County investors.
Senior Homeowners: Reverse mortgage planning, downsizing strategies, estate planning coordination, and equity access without monthly payments for homeowners 62+.
Complex Scenarios: Self-employed income documentation, recent credit events, foreign national financing, and non-traditional borrower situations requiring specialized non-QM solutions.
San Diego County Neighborhoods & Communities
Solve Lending & Realty serves all San Diego County neighborhoods and communities, from coastal luxury markets to inland suburban and rural areas:
Coastal Communities: La Jolla, Del Mar, Encinitas, Carlsbad, Coronado, Pacific Beach, Ocean Beach, Point Loma. Premium properties often requiring jumbo financing and specialized underwriting.
Central San Diego: Downtown, North Park, South Park, Hillcrest, Mission Hills, Bankers Hill. Urban properties with diverse financing needs from condos to multi-unit buildings.
North County: Oceanside, Vista, San Marcos, Escondido, Poway, Rancho Bernardo. Family-oriented communities with strong conventional and FHA loan activity.
East County: El Cajon, La Mesa, Santee, Lakeside, Alpine. Value-oriented markets with diverse property types and financing scenarios.
South County: Chula Vista, National City, Imperial Beach, Bonita, Otay Ranch. Growing communities with first-time buyer activity and investment opportunities.
San Diego County Mortgage Specialist
Kiyoshi Inui
Co-Founder | Solve Lending & Realty
NMLS #1173299
Co-founder of Solve Lending & Realty, specializing in mortgage and equity strategy for San Diego County. Expert guidance on purchase, refinance, reverse mortgages, non-QM lending, and strategic equity access. Not providing legal or tax advice.