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Conventional, VA, and Commercial Loans in all of California
Welcome to the official site of Home Financing Specialists. We are a full-service mortgage company based in Escondido, CA. We specialize in Conventional, VA, FHA, Jumbo, and Commercial Loans in Escondido. We also serve the surrounding cities in San Diego County and Riverside. Whether you are buying a home or refinancing in the zip code: 92025, 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 the following:
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:
What makes Home Financing Specialists unique is that we offer the following niche programs as well: Reverse Mortgage, Self Employed, No Doc, Non QM, First Time Home Buyer, Private Lending, Fix and Flip .
Contact Home Financing Specialists today to discuss your mortgage loan options, and find out which loan program will best suit your needs.
What Our Customers Are Saying
Pilar Montoya
Oceanside Ca
"We were looking for a lender to refinance our loan, and all the lenders we spoke to or dealt with either turned us down or tried to give us something we did not need or want. Rick Yells was recommended by our neighbor, when speaking with Rick he knew what we wanted and needed out of our loan. He was very patient and understanding of our needs. Rick gave us options and solutions which no one else would, he made the impossible very POSSIBLE! We were lied to and misled by others. Rick made us feel comfortable and at ease through the loan process. I always have recommended him to friends and family. When all hope was lost Rick came to the rescue."
Jermey Walden
San Diego
"Rick and his team were able to find a great mortgage with the lowest market interest rate at the time. He was readily available and communicative at every step, and he walked us through all questions we had throughout the process. There were no hiccups along the way, and we closed on a purchase property earlier than initially promised. Highly recommend!"
Shelly Susanka
Oceanside Ca
"Working work Rick was great. The whole process was smooth from start to finish. And Rick was always available whenever I had any questions. I would highly recommend him!"
Karla Williams
Poway Ca
"This is the second time I have worked with Rick. He is very patient and answers all your questions...even the dumb ones! I highly recommend him! Thanks Rick!"
Jade Skeens
Vista Ca
"Rick was our loan consultant when purchasing our home. He came and sat with us and educated us on the process and was right by our side every step of the way. Even at times when it got over whelming he was honest and helpful and truly took great care of us. His knowledge in the field exceeds all others. We never could have gotten through it all without his guidance. We landed our dream home. Rick just assisted with our refinance as well..and we are stoked on lower interest rates and a lower mortgage payment . You want him on your team ... he’s the best!!!!"
Alissa Perez
"I was referred to Rick from my Mom who also did business with him for her own home years ago. He went above and beyond & highly recommend!"
Diana Gasmi
"Rick is very knowledgeable and helpful with the loan process. He communicated with us throughout the loan application process. I would highly recommend him to anyone wanting to a new mortgage loan."
Kim Mead
Palomar Mtn, California
"Nice having Peace of Mind that my mortgage payment is so low. I will never have to worry. Thanks to Rick Yells for getting our original financing and recently refinancing our property. All the transactions have been low-stress because Rick is very knowledgeable and has everything planned in advance. Our recent refinance has our mortgage at an incredibly low interest rate now. Grateful I found Rick Yells to help us and very grateful for my amazing property here in San Diego."
Paul Garcia
San Diego, CA
"Outstanding service!! I would definitely recommend Richard Yells for anyone needing home financing services. I recently refinanced my home and it closed on time without any issues. Richard guided me through the process and was always available to answer questions and explain the process anytime I reached out to him. This is the second time in 5 years that I’ve used Richard for my home financing needs and I wouldn’t hesitate to use him again."
Jacob Gomez
San Jose, California
"Rick was the consummate professional throughout my entire loan experience. Not only was he fully knowledgable throughout the process, but he always worked to make sure I understood all aspects of the loan and gave me every option possible. He was communicative, courteous and very easy to work with. There are no hidden aspects of his process and I truly appreciated his honesty and I look forward to working with him again."
Susan Petrosian
Escondido, California
"I liked Rick from the first time I talked to him. That time we haven't even started to work together, because he is such an honest person, that he admitted that it is not much benefit for me to refinance at that particular time point. And he told me "I wouldn't start the process of refinancing if I would not be sure that it's absolutely beneficial for my client and I cannot offer the best deal for him" I was surprised. And I remembered him. The year later, I called him when the rates were very low and he locked me in the best rate in the market, as promised. I would highly recommend Rick to my friend because he is man of his word. He is really trying to make you happy, and not only thinking about earning his money. He is very professional, reliable person. It is very easy to work and communicate with him."
Daryl Lundberg
Riverbank Ca
"Rick did what other lenders promised, but never could deliver, forever grateful. I would definitely recommend to anyone needing this service. Thank you Rick"
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