As your trusted OriginPoint Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.

Sales Manager

Cheri Mosdell is your Solana Beach local lender. As a loan officer at OriginPoint, Cheri is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Cheri at (619) 535-3165 for more information!

Cheri Mosdell at OriginPoint (NMLS #1432172)

Griffin Tso is based in San Diego, California, specializing in mortgage lending and real estate finance for both first-time and experienced homebuyers. With a deep understanding of residential loan products, underwriting guidelines, and market dynamics, Griffin helps clients navigate complex financing decisions with clarity and confidence.


Known for his analytical approach and client-first mindset, Griffin works closely with first-time homebuyers to identify optimal loan structures, maximize available programs, and create sustainable paths to homeownership. His expertise spans conventional, jumbo, and specialized financing solutions, making him a trusted resource in the Southern California real estate market.


Griffin's leadership and industry impact have been recognized through his selection as a San Diego Real Producers 30 Under 30 honoree, and he currently serves as President of the Asian Real Estate Association of America, San Diego Chapter, where he advocates for homeownership access, professional education, and community engagement.

VP of Mortgage Lending

Griffin Tso is your Solana Beach local lender. As a loan officer at OriginPoint, Griffin is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Griffin at (858) 449-7933 for more information!

Griffin Tso at OriginPoint (NMLS #2133206)

Nicole Goodrich is your Solana Beach local lender. As a loan officer at OriginPoint, Nicole is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Nicole at (619) 504-1307 for more information!

Nicole Goodrich at OriginPoint (NMLS #2173313)

Dylan has served more than 2,000 clients over 24 years in the mortgage business. He's built his practice on relationships rather than transactions, and the agents and clients who work with him tend to send him the files that matter most.  
His specialties include physician loans, jumbo financing, VA loans, self-employed borrowers, complex income scenarios, and first-time buyers. But his real focus is education — making sure clients understand how their financing is structured and why, so they move forward with clarity and confidence instead of crossed fingers. That work doesn't end at closing. Dylan stays with his clients long after funding, helping them manage their home equity and build lasting wealth through homeownership.  
Philly raised. Carlsbad based. Eagles forever. He's married to Irina, a dad first, and can usually be found playing soccer or camping with his family.

Producing Branch Manager

Dylan Hoffman is your Solana Beach local lender. As a loan officer at OriginPoint, Dylan is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Dylan at (858) 925-5711 for more information!

Dylan Hoffman at Origin Point (NMLS #404652)

I'm Nick Boxberger, a VP of Mortgage Lending based in San Diego, California, with over 10 years of experience helping buyers make confident, informed decisions on their path to homeownership. I'm proud to be a top-producing loan officer in 2025, serving clients across California, Arizona, Texas, Nevada, and Florida.


I specialize in working with move-up buyers, while also guiding first-time homebuyers and self-employed professionals through more complex financial scenarios. I believe transparency and clear communication matter, especially in a market where those qualities can be hard to find. My focus is on building long-term relationships, not just closing loans, by educating clients and aligning financing strategies with their bigger financial goals.


If you're looking for a trusted lending partner who offers straight answers, strategic guidance, and a relationship-first approach, I'd love to help you take the next step toward homeownership. Reach out today to start the conversation.

Nick Boxberger is your Solana Beach local lender. As a loan officer at OriginPoint, Nick is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Nick at (619) 535-3175 for more information!

Nick Boxberger at OriginPoint (NMLS #1386823)

Brian is a fifth-generation San Diegan and a UCSD graduate with a degree in Economics. He began his mortgage lending career in 1999 and has been consistently ranked as a top producing loan originator. Known for his strong work ethic and genuine client relationships, Brian has earned a trusted reputation across the real estate industry. He specializes in purchase lending and has cultivated lasting partnerships with top real estate professionals. With trust as his guiding principle, Brian is dedicated to putting his clients' needs first—helping them achieve their goals with confidence and peace of mind.

Brian Shaw is your Solana Beach local lender. As a loan officer at OriginPoint, Brian is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Brian at (858) 350-7080 for more information!

Brian Shaw at OriginPoint (NMLS #348652)

About Stephanie Ojeda


Mortgage Loan Officer Serving Solana Beach and Clients Across California, Nevada, and Arizona


Stephanie Ojeda is a Loan Officer with OriginPoint who helps homebuyers, homeowners, sellers, and real estate professionals throughout California, Nevada, and Arizona. Based in Ventura County, Stephanie serves clients in Solana Beach and communities throughout the states where she lends.


How Does Stephanie Help Homebuyers and Homeowners?


Stephanie helps clients understand their mortgage options and confidently navigate the financing process. She works with first-time homebuyers, experienced buyers, current homeowners, and real estate professionals who need a knowledgeable and responsive lending partner.  
She believes financing a home should not feel like a mystery. Her straightforward, personal approach turns complicated mortgage terms, loan options, and financing requirements into clear information her clients can actually understand and use.  
Whether Stephanie is helping a first-time homebuyer prepare for their first purchase, assisting an experienced buyer with their next property, helping a homeowner explore financing options, or partnering with a real estate agent to keep a transaction moving, her focus remains the same: clear communication and a smooth experience from pre-approval through closing.


What Can Clients Expect When Working With Stephanie?


Clients can expect Stephanie to be responsive, accessible, honest, and involved throughout the entire mortgage process. She believes borrowers should never have to chase their lender for answers or wonder what is happening with their loan.  
Stephanie explains the numbers, answers questions, provides regular updates, and makes sure her clients understand what comes next. If a client or real estate partner has a question, she picks up the phone.


Why Work With Stephanie Ojeda?


For Stephanie, great lending is about more than finding a loan. It is about understanding each client's goals, building lasting relationships, and making one of life's biggest financial decisions easier to navigate.  
Her clients and real estate partners know they can call her when they need straightforward guidance, honest answers, and someone who genuinely cares about helping them move forward.


A Little More About Stephanie


Outside of work, Stephanie is busy raising six kids. Yes, SIX! Managing a household with six children has given her plenty of experience staying organized, communicating clearly, and keeping track of many moving pieces at once.  
She brings that same energy, organization, personal attention, and sense of humor to her work every day.

Stephanie Ojeda is your Solana Beach local lender. As a loan officer at OriginPoint, Stephanie is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Stephanie at (805) 329-4094 for more information!

Stephanie Ojeda at Origin Point (NMLS #1339965)

With over **20 years of mortgage experience**, Michael "Mortgage Mike" Francisco has helped hundreds of San Diegans navigate the path to homeownership with confidence and clarity. Known for his education-first approach, Mike takes the time to help clients understand their monthly budget, explore loan option from **FHA and Conventional to VA loans,**and fully leverage available benefits, including **VA entitlement for active-duty service members and retired Veterans**.


By listening closely to each client's short and long-term goals, Mike creates a **strategic, personalized roadmap** designed to take them from pre-approval to the finish line with less stress and more certainty.


If you're ready to learn what's possible and want a trusted guide in your corner, Mike would be honored to be part of your homebuying journey.


***OriginPoint has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture or any other government agen*

Mike Francisco is your Solana Beach local lender. As a loan officer at OriginPoint, Mike is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Mike at (619) 486-1568 for more information!

Mike Francisco at OriginPoint (NMLS #159895)

After eight years as a teacher and vice principal, Albert Tsang learned that success is defined differently for every student. During the decade that followed in mortgage lending, he discovered that creditworthiness, like success, can take many forms.


Some borrowers fit a traditional financial profile. Others have built businesses, pursued entrepreneurship, invested in real estate, or taken a less conventional route. Mortgage solutions should reflect that reality.


Today, Albert serves homebuyers, homeowners, and real estate investors throughout the San Francisco Bay Area and California. With more than a decade of mortgage experience, he helps clients identify financing strategies aligned with their goals, circumstances, and long-term plans.


**Service Areas:** San Francisco Bay Area, Silicon Valley, East Bay, Peninsula, Marin County, and California statewide.

Albert Tsang is your Solana Beach local lender. As a loan officer at OriginPoint, Albert is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Albert at (858) 888-4351 for more information!

Albert Tsang at Origin Point (NMLS #1457435)

Mortgage Advisor with over 20 years industry experience with a strong underwriting background. Being in the business for over 20 years I have seen it all. I love to help educate buyers on the entire process from beginning to end. I have a true passion for empowering people with knowledge. If you have any questions about the process feel free to reach out, I would love to help!

Joanne Short is your Solana Beach local lender. As a loan officer at OriginPoint, Joanne is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Joanne at (619) 359-8466 for more information!

Joanne Short at OriginPoint (NMLS #2396442)

Tiffany Poirier is your Solana Beach local lender. As a loan officer at OriginPoint, Tiffany is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Tiffany at (805) 917-6998 for more information!

Tiffany Poirier at Origin Point (NMLS #1116309)

Jay Lomahan is your Solana Beach local lender. As a loan officer at OriginPoint, Jay is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Jay at (619) 486-1556 for more information!

Jay Lomahan at OriginPoint (NMLS #2579595)

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