Frederick Blum • Blum Realty Group • Mortgage Loan Originator

Your Broker & Your Lender.
One Call Does It All.

Most agents send you to a separate lender. I’m both your real estate broker and your mortgage loan originator — giving you a seamless, faster path from pre-approval to keys in hand.

🛡 NMLS #1914546 🌎 DRE #02040760 🏠 Home Loan Advantage, Inc.
Get Pre-Approved Or Call (619) 366-2000 →

Why Work With Me

One Professional. Two Licenses. Zero Runaround.

Working with separate agents and lenders means delays, miscommunication, and finger-pointing. I hold both a real estate broker license and a mortgage loan originator license, so your entire transaction stays under one roof.

Competitive Rates

As a mortgage broker, I shop dozens of wholesale lenders to find the best rate and terms for your situation.

Faster Closings

No waiting for your agent to relay information to a separate lender. I coordinate both sides, cutting days off the typical timeline.

Simplified Process

One point of contact from your first showing through your final walkthrough and closing. No miscommunication, no surprises.

Loan Programs

Financing Tailored to Your Goals

Most Popular

Conventional Loans

The standard for qualified buyers with good credit and stable income.

  • • As low as 3% down for first-time buyers
  • • Fixed-rate and adjustable-rate options
  • • No upfront mortgage insurance with 20% down
Low Down Payment

FHA Loans

Government-backed financing designed for accessibility and flexibility.

  • • Down payments as low as 3.5%
  • • More lenient credit requirements
  • • Gift funds accepted for down payment
Zero Down

VA Loans

Exclusive benefits for veterans, active-duty service members, and eligible spouses.

  • • No down payment required
  • • No private mortgage insurance
  • • Competitive, below-market rates
High Value

Jumbo Loans

Financing for San Diego’s premium properties that exceed conforming loan limits.

  • • Loan amounts above $766,550
  • • Flexible terms for high-net-worth borrowers
  • • Interest-only options available
Build Wealth

Investment Property Loans

Grow your portfolio with financing built for real estate investors.

  • • Rental income can help you qualify
  • • Single-family, multi-unit, and condo eligible
  • • DSCR and bank-statement programs

Ready to Get Started?

Find out how much home you can afford. Get a personalized pre-approval with no obligation.

[fub_lead_capture source=”Lending Page” tags=”Mortgage Lead” title=”Get Pre-Approved Today” button=”Start My Application”] Try the Mortgage Calculator

Prefer to talk? Call (619) 366-2000 or email Frederick@BlumRG.com

Frederick Blum | NMLS #1914546 | Home Loan Advantage, Inc. | NMLS #2468904 | Equal Housing Lender

DRE #02040760 | Brokerage DRE #02325109
Loans are subject to credit approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms, and conditions are subject to change without notice. Equal Housing Opportunity.