Let me help you every step of the way. When purchasing a home, you are faced with a multitude of decisions! The primary one is whether you are actually prepared to purchase a home. Locating the perfect home is not always an easy task, and obtaining a mortgage loan can be a complex and tiring process. Although, once you have determined that you are ready to move forward with the required effort towards your home-purchasing goal, the rewards are unquestionable.

While at your side each step of the way, I will make the process of purchasing a home easier, more enjoyable, less time-consuming, and less expensive than if you undertook this challenge on your own. I will help you prepare so that sellers perceive you as a preferred buyer, help you locate and assess properties for sale that match your specifications, and help you through the myriad of details attending the actual purchase.

I am always familiar with the current homes on the market, and I know neighborhood values well, so I can help you determine which properties are fairly-priced and in good condition before you start your search.

Your First Step

Your first step to buying a home is to first ask yourself why you want to buy a home: to stop paying rent? To start building equity? To have a place of your own? To raise a family? To entertain business associates? To move up to a bigger house? Next, list what kind of home you'd like and where you would like to be. Be specific. Separate the "must haves" from the "want to haves."

Think of yourself as zeroing in on a target, going from the general to the specific. Consider area (city, suburban neighborhood, country); community (north, south, east, or west side); neighborhood (older and settled or sparkling new; a particular school zone; recreational facilities; and other community services such as transportation, day care, library, stores, entertainment). Ask yourself how many minutes you are willing to commute to work.

Think about home styles. How much space do you need? Does your situation require a one-level home, or are stairs acceptable? Consider size and kind of property. Do you want a newer home, or maybe an older one to fix up? Someday you or your heirs will want to sell. Consider how long you expect to live in this particular home.

Your Next Step: Loan Pre-Qualification

Once you have addressed the above needs, your next step in the purchasing process is to get pre-qualified with a mortgage company. This can be done over the phone or even online in a matter of minutes.

Call me and I will refer you to a mortgage professional that has an excellent reputation and track record for successfully acquiring loan approval for his/her clients.

I Will Find The Right Homes For You

Once you've been pre-qualified and know what price range you want to stay in, I can help you determine which properties fit your needs by using the (MLS) Multiple Listing Service system to locate them.

I have the best possible resources and communication systems available today to help you locate the homes on the market that match your specifications. You can even search our listings here at our website.

I Will Help You Every Step Of The Way

I will help you complete your financing and inspections, and close on the transaction. My top priority is to make sure that your home buying experience is pleasant, cost-efficient, and successful.

For more information on Mortgages and what you may qualify for contact one of the following recommended professionals!

San Diego Funding has been the trusted source of thousands of homebuyers, and their Realtors, since 1981. We are San Diego owned and operated and have helped thousands of homeowners finance their homes. Providing financing for residential properties throughout San Diego County – approved by FHA, VA, FNMA and FHLMC.

Rob Johnson, Senior Loan Officer

(619)260-1660 ext 247



Dan Keyes, Senior Loan Officer

(619)260-1660 ext 244



“Our mission is to provide a superior level of expertise, integrity, and service to our customers and partners. As a community mortgage banker, we offer our clients well-thought-out options and product diversity to meet their future goals." ​​​​​​​

Locally Owned and Operated Residential Wholesale Mortgage, Inc. (RWMI) is a local San Diego community mortgage bank that was founded in 1994 by experienced professionals who have been in the California real estate market and mortgage industry for more than two decades. Often referred to as San Diego's top mortgage company, customer service is the main focus.

Tom Reid

Manager, Government Loan Center

office (858)794-2155 ext 110

mobile (858)336-6020



Charman Stevens

Loan Officer

office (858)495-3100 ext 148

mobile (619-787-4008



Carol Stanford

Call or Text: 619.987.8766

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Contact Me

If you are struggling to find the right house not just for you but also for your family, contact Carol Stanford Today.