Helping you find your way home.

Personal. Affordable. Stress-free mortgages.

Encinitas Mortgage Broker

Ready to own a home? National Home Loans connects you with the perfect Encinitas mortgage broker for your financial needs. Whether you’re buying your first home or refinancing, we’re here to help bring you home.

Encinitas Home Loan Programs

Conventional Loan

Conventional Loan

A standard, low-fee loan that's a great option for those with good credit and low debt.

FHA Loan

FHA Loan

A government-insured loan with a low down payment and more lenient credit score requirements.

VA Loan

VA Loan

A no down payment loan for qualified service members, veterans, reservists, or surviving spouses.

Rehab Loan

Rehab Loan

A home loan that includes renovation costs. It's for those who are buying a fixer-upper.

Reverse Mortgage Loans

Reverse Mortgage Loans

A loan for homeowners 62 and older that allows them to convert their home equity into cash.

Non-QM Loan

Non-QM Loan

A loan for borrowers with non-traditional financial situations, such as those who are self-employed.

Jumbo Loan

Jumbo Loan

A loan that helps in situations where housing is expensive or the cost of the home exceeds county limits.

Jumbo Loan

Compare Mortgages

Want to compare home loans? Our Compare Mortgages guide will help you navigate your options.

Save Thousands With Homes for Heroes®

Are you serving our community in one of the roles listed below? If so, you can receive significantly reduced lending fees when buying or refinancing a home with National Home Loans.

Learn How

Your Guide Through the Mortgage Maze

First-Time Home Buyers

Buying your first home? We offer the guidance you need to get started.

Mortgage Guides

Get educated! Learn about mortgage basics and what your loan options are.

Mortgage Calculators

What home can you afford? What would your mortgage payment be? Learn here.

Why Choose National Home Loans

You can get real estate financing elsewhere. Why does National Home Loans beat the rest?

Customer Service

Get concierge-level service from pre-approval to closing while saving money. Stress-free is our specialty.

Save Money

When thinking about home loans, it’s always cheaper to have a mortgage broker who’s working for you.

Just the Right Fit

We’ll find the right loan program and best terms for you. It’s a completely customized experience.

Increased Reach

We have access to 100+ lenders, giving you the most options without any extra work.

Personal & Local

We offer a local alternative to the “big bank” feel that lenders provide. We’ll guide you every step.

Award-Winning Experience

Work with top San Diego mortgage broker and business development expert John Giannattasio.

Rated one of the top 100 mortgage brokers in the nation

by the Scotsman Guide

I shopped around a bit for a broker, and was referred to John by a coworker. He was by far the most personable, professional, and proactive broker that I interacted with. He promised me that he was doing everything he could to protect my family's money and get us into a house that we love, and he did. The bottom line is he got us our desired results, he offered great advice, and he earned my trust and confidence. I would recommend his services to anyone looking for a knowledgeable and passionate mortgage broker.

Kristopher J.

Have been working with John for a couple months now; he is very patient and understands our needs as first time home buyers. John has been amazing and answers all our questions, I think we have found our long time broker. He has the clients best interest in mind which is very refreshing. A++

Jeffrey C.

John is great at what he does, especially for first time homebuyers. He is willing to go the extra mile for his clients and will explain exactly what he's doing along the way. I'm so glad we were able to work with him and I highly recommend him.

Elizabeth D.

Beyond grateful to have been referred to John G. right after getting our offer accepted on a home. We would not have been able to do it without him. He secured us a great rate, which was a game changer in our decision to purchase. It was our first home purchase, and he helped us navigate every single thing, and was extremely responsive and available to chat when we needed him. The entire escrow process was smoother and quicker than we could have ever hoped for. He was a pleasure to work with, and we hope to continue to work with him in the future.

Jessica M.

Meet John Giannattasio

NMLS: 1700603 | DRE: 01721019

John G. has been recognized as one of the top 100 mortgage brokers in the nation. This is a testament to his focus on superior customer service, developed through years of experience in real estate and local business ownership. He and his team help first-time home buyers navigate their options stress-free.

Licensed In CA, CO, TX, & FL

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What's your home worth?

Helping Encinitas Get Home.

Ready to see how we can help? Get in touch with our Encinitas mortgage broker today!

Why We Love Encinitas

Encinitas is a small beach town with big opportunities. Find a home close to the beach or near the coast along Highway 101. This surftown is growing with new developments while still maintaining its laid back vibe. Encinitas also has one of the best schools in the county. Stay fit with outdoor activities, take a stroll along downtown, or visit the San Diego Botanic Garden to enjoy diverse flora and fauna.

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