Cost Effective.
For over 35 years.

We Specialize In Serving San Diego


VA Loans

How does this whole VA loan thing work? What is a VA loan funding fee? Let us create a battle plan together and walk you through the process in a transparent and personable environment.  


Reverse Mortgages

How do reverse mortgages work? What are the pros and cons of reverse mortgages? Were not here to sell you into a loan. We are here to help you decide what is the best course of action, and do so in the most cost-effective way possible. 


First Time Mortgages

You may be wondering, just how much mortgage can I afford? At Cost Effective Loans we are the mortgage broker you need to close your first home. We walk you through the process and transparently give options. 

Our Services


No matter what loan you need, Cost Effective Loans can find you the loan that is right for your home. We go over your goals and plans to provide a hand-selected loan from one of our hundreds of loan partners.

& Multi-family

We get it. Commercial and multifamily properties are a handful. You deserve a lending partner that will earn your repeat business. With an over 35-year-old track record of closing, you can trust that we will get the loan you need to be successful.


In life, things happen. We won’t let unfortunate circumstances get in the way of funding your next deal. With our unique Rolodex of hundreds of loan partners, We will find you a lender prepared to do business.  

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