Hello from San Diego 🌴

Your next chapter
starts with a
conversation.

I'm Mariana Lopez, and I help people in San Diego navigate the mortgage process with clarity and confidence — from first-time buyers to seasoned refinancers.

Schedule a Call Explore Services
15+ Years in lending
500+ Families assisted
San Diego Local expertise
Mariana Lopez at her CrossCountry Mortgage desk in San Diego
CrossCountry Mortgage NMLS #130312
About Mariana

A local lender who
actually cares
whether you get the
right loan.

I've spent over a decade in the mortgage industry right here in San Diego, and what I've learned is this: every family's situation is different, and the "one-size-fits-all" approach to home loans simply doesn't work.

Whether you're a first-time buyer trying to figure out if you're ready, a veteran looking to refinance, or someone navigating a jumbo loan in one of San Diego's pricier neighborhoods — I'm here to walk alongside you.

At CrossCountry Mortgage, we have the resources and products to handle complex situations, but I believe the human element is what makes the difference. You'll always reach me directly — no call centers, no runaround.

San Diego neighborhood with palm trees and modern homes
San Diego — where I live, work, and help people buy homes.
What I Can Do For You

Mortgage solutions tailored
to your life

01

First-Time Home Buyers

The path to your first home can feel overwhelming. I'll help you understand your options — from FHA and conventional loans to down payment assistance programs unique to San Diego County.

  • Pre-approval guidance
  • Down payment program matching
  • San Diego neighborhood expertise
02

Refinancing

Whether you want to lower your rate, cash out equity, or shorten your term, I'll run the numbers honestly and tell you if refinancing makes sense for your situation.

  • Rate & term refinances
  • Cash-out options
  • Break-even analysis
03

Jumbo & Non-QM Loans

San Diego's luxury and high-cost market requires specialized lending. I work with jumbo programs and non-QM products for self-employed borrowers and unique financial situations.

  • Jumbo conforming & non-conforming
  • Self-employed income programs
  • Asset-based qualifying
04

Construction & Renovation

Building your dream home or renovating an existing one? I can guide you through construction-to-permanent loans and FHA 203(k) renovation financing.

  • Construction-to-permanent
  • FHA 203(k) renovation
  • Owner-builder programs
05

Military & VA Loans

As a San Diego community with a strong military presence, I understand the unique needs of service members. VA loans offer incredible benefits — let me help you use them.

  • VA purchase loans
  • VA IRRRL refinances
  • No down payment options
06

Consultation & Education

Not ready to apply yet? That's okay. I offer free, no-pressure consultations to help you understand your options and get financially prepared before you start looking.

  • Free initial consultation
  • Credit & budget review
  • Market insights for San Diego
How It Works

From first call to closing day

1

Let's Talk

We'll have a candid conversation about your goals, budget, and timeline. No pressure — just clarity on what's possible.

2

Get Pre-Approved

I'll pull your credit, review your finances, and get you a solid pre-approval so you know exactly what you can afford — and sellers know you're serious.

3

Find Your Home

While you're house hunting, I'm monitoring rate movements and keeping your rate locked. You'll have a direct line to me whenever questions come up.

4

Underwriting & Appraisal

Once you have a contract, I'll shepherd your file through underwriting, coordinate the appraisal, and handle every detail so nothing slips through the cracks.

5

Close & Celebrate 🎉

You'll review your closing disclosure, sign the paperwork, and get your keys. I'll be there every step of the way — and I'll still be here after closing if you ever need anything.

Client Voices

What people say about
working with me

"Mariana made what we thought would be a stressful process feel straightforward. She answered every question — even the ones we were too embarrassed to ask — and got us a rate we didn't think was possible."

First-Time Buyer Poway, CA

"I refinanced my home during a really busy time at work, and Mariana handled everything with such professionalism. She kept me informed at every stage and closed ahead of schedule."

Refinance Client Carlsbad, CA

"As a self-employed borrower, I thought getting a mortgage would be impossible. Mariana found a program that worked with my situation and got us into our dream home in Carmel Valley."

Self-Employed Buyer Carmel Valley, CA

Ready to talk about
your home loan?

Whether you have a specific question or just want to explore your options, I'm here. The first conversation is always free — and there's never any pressure.

Contact Mariana 858-257-2795
Get in Touch

Let's start
a conversation

Fill out the form and I'll get back to you within one business day. Or reach out directly — I prefer the personal touch.

Office 9255 Towne Centre Dr Ste 950
San Diego, CA 92121
Phone 858-257-2795
Email mariana.lopez@ccm.com
Office Hours Mon–Fri: 9:00 AM – 5:00 PM
Sat: By appointment

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Is this your business?This is my business