Business Details
46 Years
experience
Your Trusted San Diego Mortgage & Real Estate Experts
Park Place Realty & Mortgage has been a trusted name in residential real estate and mortgage services since 1980. Our team of licensed professionals, including Earl Lewis III and Patrick Russell, combines decades of industry experience with cutting-edge technology to deliver personalized solutions for home buyers, sellers, and refinancing clients. We specialize in a full range of mortgage products, from conventional and FHA loans to jumbo and VA programs, while maintaining a strong focus on ethical practices and client education.Our unique one-stop-shop model bridges real estate agency and mortgage lending expertise, ensuring seamless transactions and competitive rates. With over 70 years of combined experience among our leadership team, we prioritize transparency, flexibility, and 24/7 client support to make complex real estate and financing processes straightforward and stress-free.
Services
Conventional Loans
FHA Loans
VA Loans
Refinancing
Home Sales
Jumbo Mortgages
Reverse Mortgages
Renovation Loans
Details
- Year established: 1980
Highlights and features
- We offer 40+ years of combined mortgage and real estate expertise
- Our one-stop-shop model streamlines home buying and financing processes
- We provide access to multiple wholesale lenders for competitive rates
- Our team includes dual-licensed real estate agents and mortgage professionals
- We guarantee personalized service with 24/7 client communication channels
What people say
Seamless process
Quick loan closing
Knowledgeable team
Stress-free experience
Excellent communication
Services
Conventional Loans
We offer conventional mortgage solutions for primary residences, second homes, and investment properties. Our fixed-rate and adjustable-rate options provide flexible down payment requirements (5-20%) and competitive rates based on credit scores. With loan amounts up to $424,100, we help clients achieve homeownership through Fannie Mae and Freddie Mac compliant programs while accommodating unique financial situations including post-bankruptcy scenarios.
FHA Loans
Our FHA loan programs provide accessible homeownership opportunities with low down payments and lenient credit requirements. These government-insured mortgages feature competitive interest rates and flexible qualifying criteria, making them ideal for first-time homebuyers or those with limited credit history. We guide clients through the complete FHA loan process from pre-approval to closing with personalized support.
Refinancing
We specialize in rate-and-term refinancing and cash-out options to help homeowners reduce monthly payments or access equity. Our process includes comprehensive loan analysis, credit optimization strategies, and access to wholesale lender rates. Clients benefit from streamlined refinancing solutions that typically close within 30 days, with expertise in handling complex scenarios including mortgage payoff calculations and title transfers.
Home Sales
Our real estate services combine advanced digital marketing with traditional networking to maximize property exposure. We offer customized listing strategies, professional photography, and comparative market analyses to ensure optimal pricing. The team's dual mortgage expertise provides unique advantages in navigating financing contingencies and closing timelines, resulting in faster sales at desired price points.
Jumbo Mortgages
We provide non-conforming jumbo mortgage solutions for high-value properties exceeding conventional loan limits. Our portfolio includes specialized underwriting criteria, competitive rate structures, and flexible terms tailored to luxury home buyers. With access to multiple wholesale lenders, we offer customized jumbo loan programs that accommodate unique income verification needs and investment property requirements.
People
Earl Lewis III
Loan Officer / Realtor
With over 20 years' experience, Earl specializes in residential mortgages and real estate transactions. His dual licensing enables comprehensive guidance through complex home purchases and financing arrangements.
Patrick Russell
Broker / Senior Loan Officer
Patrick combines broker-level real estate expertise with mortgage lending specialization. His 25+ year career focuses on innovative loan solutions and seamless property transactions.
Questions
What mortgage options do you offer for first-time homebuyers?
We provide FHA loans with low down payments, conventional programs with flexible requirements, and specialized guidance to help first-time buyers navigate the process confidently.
How does your one-stop-shop model benefit clients?
Our integrated real estate and mortgage services eliminate communication gaps, accelerate transaction timelines, and provide coordinated expertise for both property purchases and financing.
Can you help with refinancing existing mortgages?
Yes, we offer rate-and-term refinancing and cash-out options with streamlined processes that typically close within 30 days while optimizing interest rates and loan terms.
What sets you apart from online lenders?
We combine technology-driven efficiency with personalized service, including in-person consultations and access to multiple wholesale lenders' products and rates.
How do you handle complex real estate transactions?
Our team's dual expertise in real estate and mortgage lending allows us to anticipate and resolve issues related to financing contingencies, title transfers, and closing timelines.
What areas do you serve?
We specialize in San Diego County real estate markets while providing mortgage services to clients across California and selected national markets.
