Our Approach

Our mission is to advocate for our client's best interest delivered with honesty, integrity, fairness and  sense of humor.  Listening to and understanding what our client's needs, wants and goals are is imperative to developing a successful relationship.

Knowing that our clients experienced a sense of well-being throughout the process and were clear about having made the right decision is our ultimate definition of a successful transaction.

Our Story

Margaret and Sue have been originating loans together since 2000 in San Francisco. Together, the have assisted hundreds of home buyers and homeowners across the State of California with their home financing needs.

In 2015, Margaret and Sue relocated to San Diego. While still rooted in the Bay Area, they are loving the warm sunshine and casual attitude of San Diego, continuing to service their clients and real estate partners across California.

Meet the Team

Margaret Ashwell and Sue Florence have been working together since 2000 and have extensive experience originating loans across the State of California.


Margaret Ashwell

Senior Loan Officer

Margaret hass been originating loans since 1996. She works hard to get to know your situation to find you the perfect loan.


Stacey LeAlcala

Loan Processor

Stacey has been in the mortgage industry for nearly 20 years. She is responsible for giving all loans their final review and making sure that all loan submissions are complete to ensure they go through the underwriting process without a hitch.


Sue Florence

Senior Loan Officer

Sue works hard to find the best loan program and rate for you. In her spare time, she can be found spoiling her two dogs, Brie and Cami.


Michele Theel

Loan Processor

Michele has over 20 years of experience in the mortgage industry. She is responsible for collecting required information, following up for needed items. Michele reviews each loan application to ensure investor and lender guidelines are met. Once all criteria is met, she sends all loans to underwriting.

brie and cami

Brie & Cami

Chief Barking Officers

Brie and Cami, our Chief Barking Officers  are two lovely Bichon Frise dogs. They love long walks on the beach, sunsets and treats!


Derek Legg

Loan Officer Assistant

Derek will be your initial point of contact. His job is to take your application, schedule your appointment, help with your paperwork, and order the appraisal once you’re in contract. He provides weekly updates keeping each clients fully aware of the loan process.

Apply Today...

Learn what you are qualified for! Contact us to conduct in in-depth, no obligation analysis of your financial situation. We will work with you to find the best loan program that suits your needs.