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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

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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USDA

Discover the path to homeownership in rural America with a USDA loan, designed to make buying a home more accessible in designated rural areas. Benefit from no down payment requirements, lower interest rates, and minimal insurance costs.
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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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Conventional

Navigate the path to homeownership with the straightforward simplicity of a conventional loan. Offering versatility and freedom, conventional loans come with competitive interest rates, varied down payment options, and the possibility to eliminate private mortgage insurance.
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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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Conventional

Navigate the path to homeownership with the straightforward simplicity of a conventional loan. Offering versatility and freedom, conventional loans come with competitive interest rates, varied down payment options, and the possibility to eliminate private mortgage insurance.
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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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Digital Mortgage!

No hassle, no obligation!

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We've been helping customers afford the home of their dreams for many years and we love what we do.

Company NMLS: 2511049
www.nmlsconsumeraccess.org

RESOURCES

CORPORATE OFFICE
900 S Pine Island Rd Suite 230
Plantation, FL 33324

CALIFORNIA LOCATION

2214 Faraday Ave

Carlsbad, CA 92008

NMLS #2571001

CONTACT

Phone: (760) 505-2675
shawn@regencyhomeloans.com

Your Mortgage Made Easy.

Mortgage Questions?

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

Mortgage Offerings

VA

FHA

USDA

ARM

Jumbo

Conventional

ARM