Whether you’re buying your first home or refinancing, I’ll help you compare loan options clearly and choose the best fit for your goals.
Adam Cato is a San Diego-based mortgage broker and Certified Veterans Loan Specialist (NAMB), operating under Anchor Funding, Inc. He works with first-time buyers, veterans, self-employed borrowers, and real estate agents throughout San Diego and beyond.
His approach is straightforward — every file gets fully underwritten before a client starts shopping for a home, not after an offer is already on the table. That means real communication from pre-approval through closing, and a pre-approval letter that actually holds up.
With over 12 years in real estate and a background as a licensed real estate broker, Adam works closely with referral agents to keep deals on track. Every file is personally managed from application through closing.
In-depth local knowledge to guide smart, confident home-buying decisions.
With over 12 years in San Diego real estate, I’ll guide you through buying or refinancing quickly, clearly, and with a plan that actually fits your situation.
Buying a home is a big decision, and I’ll help you compare your options — Conventional, FHA, VA, USDA, Jumbo, and non-QM financing — so you land on the loan that actually fits, not just the one that’s easiest to sell.
If your goals have changed or rates have moved, I’ll show you exactly where your break-even point is before you refinance, so you know it’s worth doing before you commit to anything.
You shouldn’t take the first offer without comparing it. I’ll walk you through the real numbers so you can pick the terms that actually work best for you.
In some cases I can get you pre-approved the same day. When timing is tight, that speed can be the difference between getting the house and losing it to another offer.
A current property evaluation gives you a clear picture of your equity, so we can figure out which loan terms make sense for your goals.
Your home’s equity can go to work for you, whether that’s paying off debt, funding a renovation, or covering a major expense. If your first mortgage already has a low rate, a second mortgage or HELOC might make more sense than refinancing it away — I’ll help you figure out which option actually fits your situation.
Get fast, custom loan quotes to compare. Fill out our streamlined, 100% online loan application. Move through the approval process quickly and seamlessly. When you work with Closing with Cato for your home loan or refinance, you can get your money and do what you want with it – usually in less than 30 days.
Becoming a homeowner all depends on finding the best possible loan scenario for your unique situation. We’re here to help you make that choice.
Want some financial wiggle room? Planning to upgrade your home? We’ll help you choose a refinance rate that saves you meaningful money. What you do with it is up to you.
As the potential homeowner, YOU hold all the power. Before signing your first loan offer, browse our rate comparisons to make sure you’re getting the best deal and the right-fit terms.
