Encinitas Mortgage Expert

Your Encinitas home loan deserves more than a rate sheet.

I'm Jeff Touchstone, and I've spent over two decades helping North County families navigate the coastal California mortgage landscape. When you work with me, you get a lender who actually knows Encinitas — from Solana Beach to Carlsbad — and the unique financing challenges coastal living presents.

Get Your Free Consultation (858) 210-5547

20+ Years

Mortgage Experience

Serving Encinitas and North County San Diego since 2003. I've closed thousands of loans and know what it takes to get to the closing table.

NMLS #254426

Licensed in all 50 states. Guaranteed Rate's national strength, my local expertise.

500+ Families Served

Client satisfaction rate

Quick Response

Within 2 hours

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Loan Programs

Mortgage solutions tailored to your situation

Whether you're a first-time buyer in Cardiff or refinancing a coastal property in Leucadia, I offer the full spectrum of loan programs through Guaranteed Rate.

Purchase Loans

From your first home in Encinitas to your next investment property, I'll find the right program — whether it's FHA, Conventional, VA, or jumbo financing for coastal properties.

Refinance

Lower your rate, shorten your term, or tap into your equity. I analyze your current loan and market conditions to determine if refinancing makes financial sense for you.

Jumbo Loans

Coastal Encinitas properties often exceed conforming loan limits. I specialize in jumbo financing with competitive rates and flexible terms for premium coastal homes.

VA Loans

As a military lending specialist, I help veterans and active-duty service members access their VA benefit with zero down payment and competitive rates in North County.

FHA Loans

Lower down payments, flexible credit requirements. I guide first-time buyers through the FHA process with clear explanations and honest advice about what's right for them.

Rate Locks & Lock Extensions

Market volatility can be stressful. I monitor rates daily and advise on the optimal time to lock — and when extending a lock makes sense for your timeline.

Jeff Touchstone mortgage professional in Encinitas office

Guaranteed Rate

A Berkshire Hathaway Company

About Me

A local lender who actually shows up

I grew up in North County and chose to build my mortgage practice here because I believe coastal San Diego deserves better than big-box lending. When you call me, you reach a real person — not a call center in another state.

Over 20 years in this business has taught me that the best mortgage decisions aren't about the lowest rate alone. They're about timing, structure, and finding the right program for your specific situation. I've seen too many borrowers overpay because they never had someone explain their options clearly.

20+

Years in mortgage lending

500+

Families helped home

50

States — full licensing

2hr

Average response time

NMLS #254426 | Guaranteed Rate | 617 Saxony Pl Ste 101, Encinitas, CA 92024

How It Works

From pre-approval to closing day

I've streamlined the mortgage process over two decades. Here's what working with me actually looks like.

1

Consultation

We discuss your goals, timeline, and financial situation. I'll explain your options clearly — no pressure, no jargon.

2

Pre-Approval

I pull your numbers, run scenarios, and get you a solid pre-approval letter — so your offer stands out in any market.

3

Underwriting

I manage the paperwork, coordinate with your agent, and proactively solve problems before they slow things down.

4

Closing

You review your Closing Disclosure, sign the documents, and get your keys. I'm available until the very end — no ghosting.

Client Stories

What Encinitas homeowners say about working with me

"Jeff made what we thought would be a stressful process feel completely manageable. He walked us through every step as first-time buyers and found a program we didn't even know existed. We closed in 30 days."

MK

Michael & Karen

First-time buyers, Cardiff

"I refinanced my home in Encinitas with Jeff and saved over $400 a month. He was honest about whether it made sense — he could have just pushed for the refi, but he ran the numbers and told me the truth."

DR

David R.

Refinance, Encinitas

"As a veteran, I needed someone who understood VA loans inside and out. Jeff not only secured me a great rate but also made sure I understood every benefit I was eligible for. Outstanding experience."

JT

James T.

VA loan, Solana Beach

Get In Touch

Let's talk about your next move

Whether you're thinking about buying, refinancing, or just want to understand your options — I'm here. No obligation, no pressure. Just honest advice from someone who lives and works in Encinitas.

Call or text

(858) 210-5547

Office

617 Saxony Pl Ste 101, Encinitas 92024

Office Hours

Mon–Fri 9am–6pm | Sat by appointment

Request a free consultation

I'll get back to you within 2 hours during business hours.

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