The San Diego Mortgage and Real Estate blog is presented by Laura Borja, Home Loan Expert. NMLS#199107
(858) 3-LOANS-3


Latest News

Student loan guidelines

FHA Student Loan Guidelines Change

Are you are one of the approximately 44.7 million Americans* with student loan debt? Then the HUD announcement changing the FHA student loan guidelines on June 17,2021 is good news for you! The changes to how FHA treats student loans could open up expanded borrowing power for many of us in the U.S. Background Prior to […]

2021 Southern California Loan Limits

Now that we are well into January, I thought it would be a good idea to look at the 2021 Southern California loan limits. Oh, if you prefer to watch rather than read, then click on the video below.  You can also head over to my YouTube Channell to check out other videos in the […]

Mortgage refinance costs

Conventional mortgage refinances just got more expensive

That’s right, conventional mortgage refinances just got more expensive. Both Fannie Mae and Freddie Mac issued bulletins on August 12,2020 announcing the implementation of a new “Adverse Market Refinance Fee”  which will apply to all conventional refinance mortgages closed on or after September 1, 2020.  The bulletins state that the new fee of 0.5% of […]



Very helpful, got me my FIRST HOME!

Laura was instrumental in helping me and my family get our first home. Being a first time home buyer she made me feel at ease and was with us every step of the way. She is knowledgeable, very friendly and felt like she was going above and beyond to make sure I got the very best deal. I even went to a couple other lenders to see if can get a better offer but one couldn’t qualify me and the other couldn’t match Laura’s offer. Laura, thank you from me and my family.

Jovan A First Time Homebuyer- VA Loan

The best lender in San Diego!

Laura Borja exceeded our expectations as a real estate lender and her entire support team were wonderful.
Laura’s extensive home mortgage knowledge and skills, got us approved for our first VA home loan and ready to purchase!!!
We will always recommend Laura to all of our family and friends.
She is amazing!

Willie and April P First Time Homebuyers - VA Loan

She did this all while I was in another state!

I worked with Laura on my loan, she was very quick to help me out and guide me through the process as this was my first home.
She did this all while I was in another state!
Again she did a great job and got me an awesome rate, would recommend to anyone, especially military as she specializes in VA loans and knows the ins and outs of the process!

Greg R Active Duty Service Member - VA Loan

Made us feel like we were her only client!

Laura is awesome to work with. She made us feel as if we were her only client. She was available 24/7 to guide us through the process and answer any questions that we had as first time homebuyers. All of her projections came in UNDER BUDGET and she was working until the very end to get our interest rate and mortgage insurance as low as possible and ended up saving us about $150 a month in expected payments. Laura also did a wonderful job ….READ MORE

Dan And Stephanie K First Time Homebuyers - Conventional Loan

Laura knows her stuff!!

We were so fortunate to have been introduced to Laura when we were (almost) ready to buy our first home. Laura was so patient and worked with us for almost 1 year; from helping my husband get his credit scores up to be able to qualify, to educating us about lending and the housing market. She always had our best interests at heart, and she’s not afraid to tell us if we’re biting off more house than we can afford. She always made herself available …READ MORE

Richard and Nali M First Time Homebuyers - FHA Loan
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I have been helping San Diego Military and Civilian families realize the dream of homeownership since 1990. You can be confident that you will be working with an experienced mortgage professional who is focused on the timeline and the financial needs of the client and who is backed by a company founded it’s belief in integrity and above-and beyond customer service.
Learn More About Me


Purchase Loans

Mann Mortgage offers a variety of home loan programs. From First Time Homebuyer to seasoned investors, we have the home loan financing solutions to fit your needs.

Refinance Loans

Whether you want to reduce your interest rate, shorten the term of your home loan or access the equity in your home, I can help you achieve that goal.

Loan Consultation

Not sure if you  can qualify for a loan? Best way to find out is to schedule a free loan consultation. We will discuss your credit, income, assets and goals for your new home.  If needed, I will provide you with a game plan to get  you ready to buy your next home.


Start your home loan application with Laura Borja

There is no fee to apply

You are just a click away


Non “bank” hours

I know that weekends are when most buyers are out shopping for homes. That is why I am available to you on weekends to help with preapproval letters, payment breakdowns and anything else you need to move forward with your purchase

Mortgage Knowledge

Whether it’s videos, a newsletter, loan guides or blog posts, I have a variety of resources available to educate and empower you through the process.

For Realtors

Want access to a variety of programs and resources to grow your real estate business? Then let’s connect so I can fill you in on what we have to offer.


Laura Borja
Senior Mortgage Consultant
NMLS# 199107
(619) 992-4061
Hablo Español

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