1-619-339-7334

California Mortgage Broker for Home Buyers & Homeowners

30 Years of Mortgage Experience Serving San Diego and All of California

Direct Capital Mortgage helps California home buyers and homeowners with purchase loans, refinancing, jumbo mortgages, reverse mortgages, and other home financing needs. Based in San Diego and serving borrowers throughout California.

Choosing a mortgage is about more than finding an advertised rate. Loan programs, down payments, closing costs, monthly payments, property type, and your long-term plans can all affect which option makes sense.

With 30 years in the mortgage business, Alexander Pfleger helps California borrowers understand their options and what to expect before making a decision.

Alexander Pfleger | Mortgage Broker | NMLS #373603

Here for your lending needs

Which Home Loan Is Right for You?

The right mortgage depends on what you are trying to accomplish. Buying your first home, moving to a larger property, refinancing an existing mortgage, purchasing a higher-priced home, and accessing home equity later in life can require very different loan options.

We help California borrowers understand the differences so they can make a more informed decision.

Purchase

Purchase Home Loans

Buying a home in California? We can help you understand your financing options, estimated payment, down payment requirements, and what may be needed to get preapproved before you make an offer.

Refinance

Refinance Home Loans

Refinancing replaces your existing mortgage with a new loan. Homeowners may consider refinancing to change their loan terms, access equity, or for other financial goals when the numbers make sense.

Reverse

Reverse Mortgages

A reverse mortgage may allow eligible homeowners age 62 and older to access a portion of their home equity without making monthly mortgage payments, while continuing to meet loan obligations such as property taxes, homeowners' insurance, and maintaining the home.

Jumbo

Jumbo Mortgages

Buying a higher-priced California home? Jumbo mortgages can provide financing above conforming loan limits, with qualification requirements that can differ from conventional conforming loans.

Have a question? Call 619-339-7334

How We Help California Home Buyers

You do not need to understand every mortgage program before you call. We can help you work through the questions that matter for your home purchase.

Compare loan programs and financing options
Estimate your monthly mortgage payment
Understand down payment and closing costs
Prepare for mortgage preapproval
Review points, lender credits, and loan costs
Understand what happens from application through closing

Estimate Your Mortgage Payment

Wondering what a home could cost each month? Use our mortgage calculator to estimate principal and interest based on the loan amount, interest rate, and loan term you enter.

Mortgage Help Throughout California

Direct Capital Mortgage is based in San Diego and serves borrowers throughout California. Whether you are buying a home in San Diego County, Los Angeles, the Bay Area, or another California community, we can help you understand your mortgage options and what financing may look like for your purchase.

Mortgage Questions? Start Here

Mortgage rates and lending conditions change, but the questions buyers ask are often the same. What can I afford? Should I buy now or wait? Should I pay points? When should I get preapproved?

Our mortgage guides answer common questions using current information and 30 years of mortgage experience.

Mortgage Rates in 2026: Should You Buy Now or Wait?

Home Mortgage Consultant: What You Need to Know

FAQs

What does a mortgage broker do?

A mortgage broker helps borrowers explore home financing options and works with lenders to find loan programs that may fit the borrower's situation.

When should I get preapproved for a home loan?

It can be helpful to get preapproved before you seriously start shopping for homes. It can give you a clearer idea of your potential buying power and what financing may look like.

Do you offer mortgages throughout California?

Yes. Direct Capital Mortgage is based in San Diego and serves borrowers throughout California.

How do I get started?

You can call Direct Capital Mortgage at 619-339-7334 to discuss your questions or start your mortgage application online.

Serving all of California including:

San Diego County Los Angeles San Mateo County Hidden Hills Burbank Calabasas San Francisco Palo Alto Carlsbad
Atherton San Marcos Los Altos Malibu Portola Valley Marin County Woodside Marina Del Rey Beverly Hills La Jolla Ross
Santa Barbara County San Jose

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Direct Capital Mortgage
California Mortgage Broker
NMLS #373603
San Diego, California
1-619-339-7334
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