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VA, FHA, and Conventional Loans in San Diego, CA

Welcome to the official site of Shawn Torres. We are a full-service mortgage company based in San Diego, CA. We specialize in VA, FHA, Conventional, Jumbo, and Non-QM Loans in San Diego, CA. We also serve the surrounding cities in San Diego County and Riverside. Whether you are buying a home or refinancing in any of these zip codes: 92008, 92101, or 92504, we can help you realize your dream of home ownership or save you money when getting your new lower monthly payment.

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Mortgage Offerings

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VA

Unlock the home of your dreams with a VA loan — exclusive to our veterans and military families. With zero down payment, no private mortgage insurance, and competitive interest rates, a VA loan is your key to homeownership with honor and ease.

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FHA

Step into homeownership with confidence through an FHA loan, tailored for first-time homebuyers and those seeking a path with flexible qualifications. Enjoy low down payments, competitive interest rates, and more forgiving credit requirements.

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A large house with a driveway leading to it is surrounded by trees.

ARM

Discover the flexibility of Adjustable-Rate Mortgages (ARM) — a dynamic financing solution tailored for the savvy homebuyer. With initial lower interest rates that adjust over time, an ARM loan offers an attractive entry point into homeownership. 

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Jumbo

Elevate your home buying experience with a jumbo loan, the perfect solution for financing luxury properties and homes in highly competitive markets. Jumbo loans empower you to secure your dream home with competitive interest rates and tailored terms.

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A large house with two garages and a driveway in front of it.
A large house with a driveway leading to it is surrounded by trees.

ARM

Discover the flexibility of Adjustable-Rate Mortgages (ARM) — a dynamic financing solution tailored for the savvy homebuyer. With initial lower interest rates that adjust over time, an ARM loan offers an attractive entry point into homeownership. 

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A large house is surrounded by trees in the middle of a forest.

Jumbo

Elevate your home buying experience with a jumbo loan, the perfect solution for financing luxury properties and homes in highly competitive markets. Jumbo loans empower you to secure your dream home with competitive interest rates and tailored terms.

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MORE LOAN PROGRAMS!

Refinancing?

We can help you with that, too!

We offer a wide range of refinance options designed to best meet the needs of local borrowers. If you're looking for cash out or to just get a better rate and term, we can assist you. We offer the following Refinancing Programs:


  • FHA Streamline
  • FHA Cash Out
  • VA Streamline
  • VA Cash Out
  • USDA Streamline
  • Conventional
  • Jumbo

What makes Shawn Torres unique is that we offer the following niche programs as well:


  • Non-QM
  • DSCR
  • Foreign National


Contact Shawn Torres today to discuss your mortgage loan options and find out which loan program will best suit your needs.

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