San Diego County Mortgages & Real Estate

Solve Lending & Realty is a family-owned mortgage and real estate brokerage serving San Diego County with purchase loans, refinancing, reverse mortgages, non-QM and investor lending, second mortgages, home equity investments, and seller solutions. As a broker rather than a lender, the team compares programs across many sources to fit each borrower’s situation. Options vary by borrower and property and are subject to qualification and lender guidelines.

Often, yes. Non-QM programs — such as bank statement loans, asset-based (asset depletion) loans, and DSCR loans for rental properties — let self-employed borrowers, business owners, and investors in San Diego County qualify without traditional tax returns or W-2s. Which program fits depends on your income sources, credit, and property. Eligibility is subject to qualification and lender guidelines.

Yes. DSCR loans let San Diego County real estate investors qualify based on a property’s rental income rather than personal income, and Solve also arranges fix-and-flip, bridge, construction, and hard money financing for investment properties. The right structure depends on the property, the strategy, and lender guidelines. See the non-QM and investor loan pages for details.

Yes. A second mortgage, HELOC, fixed-rate HELOC, or home equity investment (HEI) can let San Diego County homeowners tap equity without touching a low-rate first mortgage. Each option works differently — some add a monthly payment and some don’t — and accessing equity is not risk-free, since borrowing against your home adds debt secured by the property. The right fit depends on your equity, goals, and lender guidelines.

Yes. A reverse mortgage (HECM) does not prevent a sale — it simply requires the loan balance plus accrued interest to be paid at closing. If the sale price exceeds the payoff, you keep the difference; if the home is worth less than the balance, FHA insurance covers the shortfall and you owe nothing additional. The team coordinates with the reverse mortgage servicer to handle the payoff at closing.

San Diego County sales involve local factors that shape the transaction: county and city transfer taxes, local rent-control and Just Cause Eviction rules, a large military and VA buyer pool, and disclosure requirements tied to coastal zones, fire-hazard areas, and airport noise contours (such as MCAS Miramar and North Island). Addressing these correctly up front keeps escrow on track. A licensed local Realtor handles the county-specific disclosure package.

California law does not require a Realtor to sell your home, but most buyers expect MLS access, proper disclosures, and escrow coordination. A licensed San Diego County Realtor like Jessica Rinaldi (DRE 02015890) handles local disclosure packages, Natural Hazard Disclosure (NHD) reports, and coordination with title and escrow. If your sale also involves a mortgage payoff or a new purchase, pairing a Realtor with a mortgage specialist (NMLS 1173299) keeps both sides coordinated.