VA Rates As Low As:

30 Year Fixed - 2.99% (3.257% APR*)

Estimated Payment on $500,000- $2105.32

Get Started Today!


Need Assistance? Call Us Mon-Fri: 8:00am-7:00pm Sat: 9:00am-5:00pm (619) 504-9983 Direct

Welcome to the official site of
HTS Home Loans. We are a full-service mortgage company based in San Diego, California. We specialize in VA, FHA, Conventional and 1st Time Homebuyer loans in San Diego. We also serve the surrounding cities in San Diego County. Whether you are buying a home or refinancing in San Diego County; we can help you realize your dream of home ownership or save you money when getting your new lower monthly payment.

In terms of Purchase Loan programs, we offer: FHA | VA | USDA | HomePath | Jumbo | Conventional 

Refinancing? We can help you with that, too!

We offer a wide range of refinance options, designed to best meet the needs of local borrowers. If you're looking for cash out, or to just get a better rate and term, we can assist you. We offer the following Refinancing Programs:

FHA Streamline | FHA Cash Out | VA Streamline | VA Cash Out | USDA Streamline | Conventional | HELOC | HARP | Jumbo


What makes HTS Home Loans unique is that we offer the following niche programs as well: Bank Statement Programs, Self Employed Borrowers.

Contact HTS Home Loans today to discuss your mortgage loan options and find out which loan program will best suit your needs.

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VA Purchase Loans

Whether you are a first time home buyer or using your benefits to buy another home, we've got you covered. 100% financing available.

VA Streamline

Are you interested in lowering your interest rate and monthly payment or changing mortgage terms? With no appraisal needed, a VA streamline may be your best option.

VA Cashout Refinance

100% Cashout option available. This product is great for debt consolidation, or home remodels. Learn how to put your equity to work for you.

VA Purchase Loans

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