Whether you’re buying a home or refinancing, National Home Loans can help. We are a Rancho Bernardo mortgage broker ready to bring you home! Whatever your goals and needs, we deliver a stress-free and personal mortgage experience.
Rancho Bernardo Home Loan Programs
Conventional home loans are the most popular mortgages that aren’t backed by a government agency.
Are you a first-time home buyer? FHA loans allow for small down payments and low credit scores.
If you’re an eligible veteran, VA loans don’t require a down payment or mortgage insurance.
Eyeing a fixer-upper? Rehab loans include funds to renovate or repair the property in question.
Are you over 62? Have equity and need liquidity? Reverse mortgages pay out money against real estate.
The self-employed, real estate investors, and others with unique qualifying circumstances can use non-QM loans.
Common in San Diego, Jumbo loans finance properties that are too expensive for conventional loans.
Want to compare home loans? Our Compare Mortgages guide will help you navigate your options.
Your Guide Through the Mortgage Maze
First-Time Home Buyers
Buying your first home? We offer the guidance you need to get started.
Get educated! Learn about mortgage basics and what your loan options are.
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?
Get concierge-level service from pre-approval to closing while saving money. Stress-free is our specialty.
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.
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.
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.
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++
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.
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.
Meet John Giannattasio
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.
Find your next home among the canyons and rolling hills of Rancho Bernardo! This master-planned community has much to offer. Job opportunities abound in Rancho Bernardo, where several large companies, such as Sony Electronics, are headquartered. Rancho Bernardo is also home to highly rated public schools. And outdoor lovers will enjoy its central location to the hiking and biking trails of Black Mountain Open Space Park, Elfin Forest Recreational Reserve, and Blue Sky Ecological Reserve.
Do you need help with home loans or refinancing? Or perhaps you have other questions. Get in touch today and we’ll get back to you shortly!