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North County San Diego

Encinitas mortgage lending.

Encinitas, Cardiff, and Leucadia buyers often need jumbo financing and a lender who understands coastal insurance and ADU income. Kevin underwrites the story, not just the 1003.

What Kevin focuses on here

JumboADU incomeSecond homes

Kevin Darmody (NMLS #1245250) works this market as part of his California practice with C2 Financial Corporation. Pre-approvals, jumbo structure, and refinance analysis are handled the same way as his Tahoe files: one contact, multiple investors, no call center.

All of North County San Diego

Get a Encinitas quote

No credit pull.

No credit pull. No obligation. Kevin follows up directly — usually the same day. Prefer to talk now? Call or text (415) 341-4472.

Call Kevin