Just the mortgage for you.

Great rates. Personal attention. No surprises.

Best-in-Class Mortgage Broker in San Diego

United Wholesale Funding is your gateway to quality real estate financing in San Diego. Whether you’re buying your first home, refinancing, or adding to your portfolio, we’ll find the best mortgage for you – customized from start to finish.

Our Home Loan Programs

Conventional

Conventional home loans are standard mortgages that conform to Fannie Mae and Freddie Mac guidelines – they’re the most common.

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Jumbo

Jumbo loans are big home loans – common in San Diego – where the size of the mortgage is larger than conventional.

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FHA

FHA mortgage loans are for first-time buyers with small deposits or low credit scores. They have more flexible qualifying guidelines.

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VA

VA mortgage loans are for eligible veterans and don’t require a down payment or private insurance.

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Reverse

Reverse mortgage loans pay out money against real estate. They’re for people over 62 who have equity and need liquidity.

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Rehab

Rehab mortgage loans are home loans that include funds to renovate or repair the property in question.

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Non QM

Non QM loans are for borrowers with unique qualifying circumstances, like the self-employed or those with other assets.

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Not sure where to start? Click here to determine which loan program is right for you.

Ask Craig

All You Need to Know About Mortgages

Mortgage Resources

New to home loans, or want to learn about the mortgage process? We’ve got you covered.

Mortgage Tools

Learn about interest rates and calculate how much you might be able to borrow with our tools.

Wholesale Mortgage

Get up to speed on wholesale mortgages and learn how going wholesale can save you money.

Why United Wholesale Funding is Right for You

Choosing a mortgage broker is a big decision. Here are six reasons why UW Funding is a good choice for you:

Personal Touch

We will listen to you, learn about your needs, and work closely with you from beginning to end.

Save Money

It’s always cheaper to use a broker who’s working for you. UW Funding will save you money on your mortgage.

Custom Approach

We’ll tailor a home loan program around you rather than squeeze you into something that doesn’t fit.

Increased Reach

UW Funding has access to a number of different lenders, giving you plenty of options without any extra work.

Years of Experience

Owner Craig Martin has been in the real estate industry since 2002 – he knows the market inside and out.

Save Time

Spend less time talking to different lenders and work with a broker instead. UW Funding does it all.

What Our Clients Say

Andreal & Tina C.

Craig was instrumental in me and my wife buying our first home together. He was able to get us a great rate, even with my low [credit] score, and we were able to move into our new home. We are very pleased with the service and professionalism Craig provided us and will continue to work with him for all of our housing finances in the future.

Heather & Teague G.

We highly recommend United Wholesale Funding. We are on our second home purchase with Craig. You lose sleep buying your first home and it’s comforting to know you have the right lender looking out for your best interests. Two years later, we are on our second home and, just like the first, best rate, no fees and thousands of dollars saved!

Michael H.

We are so glad we trusted Craig with our refinance. We were able to take cash out with absolutely no fees! In hindsight, we wished we would have used him for our purchase. Sure enough, we had a straightforward closing with no surprises and we are truly grateful for our friends referring Craig to us.

Meet Craig Martin

Owner Craig Martin has a wealth of experience in finance and real estate spanning over 25 years, which he expertly utilizes to deliver top mortgage outcomes. Honest and hardworking, Craig considers business to be numbers but clients to be friends. Look no further for the best mortgage advisor to fulfill your home financing needs.

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Begin Your Home Loan Journey Today

Ready to get started? Get a quick quote or contact Craig to ask questions and discuss your options.

Mortgage Under Management

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