Your LocalMortgage Expert
I'm here to help you find the right mortgage options for you and your family.

What People Are Saying
Real stories from real clients who trusted me with one of the biggest financial decisions of their lives.
Zhang B
TestimonialShe is excellent. She helped me finance my first house, and I had a lot of questions and many problems. She helped me figure it out with her experience and patience.
Lia M
TestimonialLori is wonderful! She helped me refinance when my original lender said I could not do it. She got my rate lowered and the service was fantastic. Would highly recommend Lori for all your financing home purchase/refinance needs!
Maria S
TestimonialWe recently completed our 3rd refi with Lori and will never work with anyone else! Lori goes above and beyond, EVERY time. She is extremely responsive, highly professional and has become a trusted advisor. We have referred family and friends to her that in turn, have referred their inner circle to her as well. If you want a mortgage broker that is engaged, knowledgeable and works for your best interest, contact Lori.
Maryanna A
TestimonialMy husband and I were referred to Lori Ackerman by our brother and sister-in-law, and it may be the best gift they have given us yet. We were first time homebuyers that were hoping to work with someone that was not only experienced and professional, but also patient and welcoming. Lori checked all these boxes. We asked every question you can imagine when it comes to searching for and purchasing a home. Lori was always there to help us get our answers and help us understand the granular details. Lori felt like a family member to us that was guiding us along the way and we could not be more grateful. Thank you so much for making our dreams come true! Our family now has a place we call home thanks to your effort and care!
Niki B
TestimonialWe've just completed our third refi with Lori. Her determination to advocate on our behalf the first time earned our continued trust and loyalty. Each experience has been the same. She finds the best product for our current situation, communicates clearly, keeps us well-informed, and answers all our questions. She always sees to it that we understand every step of the process. Each time, she has been able to substantially lower our interest rate and monthly payment.
Joseph R
TestimonialMy name is Joseph and I just recently bought a house with my wife. Lori was very professional, and had no qualms about explaining how the home buying process works multiple times. She helped me stay calm during the interest rate changing, and she was very involved in the process. She also helped get us the lowest interest rate possible.
Get Your Personalized Rate
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Rate based on 30-year fixed conventional loan with 45-day lock period. Estimates are subject to final approval and may vary based on additional factors.
About Me
With over 30 years experience in the Mortgage Industry, I am dedicated to providing exceptional Customer Service and helping my clients find the right product that fits their needs and financial goals.
My background in loan origination and operations has me work tirelessly to create extremely detailed files that tell my Customers' story, resulting in fast approvals, smooth closings and no surprises at closing.
Working with a wide variety of borrowers, for both purchase and refinance transactions, I specialize in conventional, jumbo and government loans.
30+ Years Experience
Three decades of expertise in loan origination and operations across all loan types.
Exceptional Service
Dedicated to providing personalized customer service and detailed attention to every file.
Fast Approvals
Detailed files result in fast approvals, smooth closings and no surprises at closing.
Loan Products & Services
There are a lot of financing options — let's find the right one for you. Whether you are looking to buy, refinance, or grow your real estate portfolio, we've got you covered with the right loan products to fit your needs.
Key Benefits
- ✓Lower interest rates for borrowers with good credit
- ✓No upfront mortgage insurance with 20% down
- ✓Loan amounts up to $806,500 (conforming limits)
- ✓Flexible property types and uses
Ideal For
Borrowers with good credit (620+), stable income, and at least 3-5% down payment. Perfect for primary residences, second homes, and investment properties.
Ready to Take the Next Step?
Whether you're buying your dream home or looking to save thousands through refinancing, I'll help you get the best rate and terms.
Buying a Home
Get pre-approved fast and compete with confidence
Fast Approval
Why Work With Me?
- ✓Access to C2 Financial's wide network of lenders
- ✓FHA, VA, Conventional, Jumbo & USDA loans
- ✓First-time buyer programs available
- ✓Direct access - call or text anytime
Refinancing
Lower your payment and save thousands
Should You Refinance?
- ✓Lower your interest rate and monthly payment
- ✓Eliminate PMI if you have 20% equity
- ✓Cash-out options for home improvements or debt consolidation
- ✓Switch from ARM to fixed rate for stability
Mortgage Calculators
Make informed decisions with our powerful calculators. Estimate your monthly payments or discover how much home you can afford.
Calculate Your Payment
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Additional Monthly Costs
Not required when down payment is 20% or more
Payment Breakdown
PMI is automatically included in monthly payment when down payment is less than 20%. This is an estimate only. Actual rates and terms may vary.
Disclaimer: This calculator is for informational purposes only and does not constitute financial advice. PMI (Private Mortgage Insurance) is automatically included in calculations when the down payment is less than 20%. The estimates provided are based on the information you enter and may not reflect actual rates, terms, or costs. Consult with a licensed mortgage professional before making any financial decisions.
Let's Connect
Ready to start your mortgage journey? Contact me today for a free consultation and let's discuss your home financing options.
Send Me a Message
Contact Information
San Diego, CA 92130