Hi! I'm Zach. I moved to San Diego in 2014 to chase a dream. I didn't know a single person in real estate and had to build my brand from scratch. I didn't know much but I knew one thing, I wanted to be the best. I have been blessed with some amazing mentors along the way who have helped me get to where I am today. As one of San Diego's premier residential mortgage financiers with over 10 years of experience, I have seen and more importantly, learned a lot. Whether it was different real estate market cycles, regulatory changes, refinance booms, interest rate fluctuations and most recently even a global pandemic, I always strive to put my clients first. As we find ourselves in the most competitive home buying market we have ever seen, buyers need a lender they can trust, who has the market knowledge and ability to deliver on time results while keeping the process simple. I have access to nearly every loan program a buyer may need while remaining nimble enough to adapt to shortened time frames in order to make their home ownership dreams a reality. I am all about transparency and effective communication. I will always answer your call! When I am not originating loans and working with my wonderful real estate partners. I like to spend time with my wife and our growing family and our friends. I am also an assistant lacrosse coach for California State University at San Marcos and an avid fly fisherman. I'd love the opportunity to help you or your colleagues, family or friends with their home financing needs. Don't be shy, give me a call today!

VP of Mortgage Lending

Zach Walker is your La Jolla local lender. As a loan officer, Zach 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 Zach at (904) 686-4308 for more information!

Zach Walker at OriginPoint (NMLS #896041)

Scott Swartz and his team at OriginPoint in San Diego, CA knows what it takes to make your homeownership dreams come to life. For more than 20 years, Scott has been helping clients just like you get the right home financing solutions for their unique needs. Whether you're a first\-time buyer, are looking to build your portfolio through real estate, or are seeking financing for a luxury property, Scott Swartz and his team of licensed lending professionals will guide you through the financing process from start to finish — all while keeping you and your realtor informed at each step of the way.  
More Solutions Mean More Success  
Unlike banks and other lenders, OriginPoint offers numerous home financing products for a variety of needs and circumstances. We'll work closely with you to understand your situation and match you with the best financing solution. Here's just some of what we have to offer:


* Jumbo financing up to $10 million s/b $9.5 million for luxury and high cost homes Cross\-Collateralization
* 12 Month 24 Month Bank Statement Products
* FHA home loans with a down payment requirement as low as 3.5%
* FHA 203(k) rehabilitation loans for financing a home and qualifying repairs
* Construction\-to\-permanent loans for building new homes
* VA home loans with up to 100% financing for those who've served
* Reverse mortgages for homeowners 62 years or older
* Home equity lines of credit (HELOCs) for special purchases, repairs, and more
* Investment property programs for those building their portfolio with real estate
* USDA rural home loans for financing a home in a qualifying USDA rural area
* Refinance programs for those with FHA, VA, conventional loans


More Than a Decade of Proven Results.  
When you work with Scott Swartz, you're working with one of the top originators in the United States. Scott has helped thousands of clients buy homes as well as helping current homeowners refinance to take advantage of the best financial solution for their situation. Scott takes a personal approach to ensure that his clients are well informed throughout the process of buying or refinancing. His goal is to get rid of the negative stigma that surrounds purchasing or refinancing a home as being a stressful process. Bottom line: Scott and his team understand mortgages.

Scott Swartz is your La Jolla local lender. As a loan officer, Scott 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 Scott at (858) 342-8898 for more information!

Scott Swartz at OriginPoint (NMLS #220956)

A San Diego native, Josh is dedicated to proving his clients with unparalleled service and a nearly seamless home loan experience. With a background in business and marketing, Josh is passionate about educating first\-time homebuyers through the loan process and proving the best mortgage options available to his clients. He cares about his clients as if they are part of his family and is always accessible, no matter the time or day. Whether you are buying a home, investing in a new real estate opportunity, or refinance your existing mortgage, Josh is happy to work with you to find the perfect loan to meet your needs.

AVP of Mortgage Lending

Joshua Papazis is your La Jolla local lender. As a loan officer, Joshua 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 Joshua at (760) 552-2464 for more information!

Joshua Papazis at OriginPoint (NMLS #2168744)

I am born and raised here in San Diego. Since 1980 I have worked in various mortgage positions to include both Sales and Operations. My passion is to work with real estate agents and their homebuyers, to educate, provide sound options, and guide them through the loan process. My background has allowed me to successfully help hundreds of families over the years to obtain the dream of homeownership.

Paula Pozzi is your La Jolla local lender. As a loan officer, Paula 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 Paula at (619) 987-8700 for more information!

Paula Pozzi at OriginPoint (NMLS #632954)

After graduating from UCLA, Tracy started working on the wholesale side of the mortgage industry, learning how the industry operates behind the scenes, from underwriting to pricing. His exposure to all aspects of the industry helped to fine\-tune his skills in analyzing and structuring complex financing for individuals and business entities. He obtained his broker's license in 1997, and has been working with clients and his own real estate investments ever since.  
Tracy learned from a young age how investing in real estate, and homeownership can create generational wealth. Tracy's family owned, managed, and developed residential rentals, and Tracy has followed in those footsteps. As a mortgage lender, Tracy combines his finance and real estate passions. His specialty is working with self\-employed borrowers to help them achieve their real estate objectives through his understanding of the challenges and opportunities that being self\-employed can bring. He works with people from all walks of life to help them achieve their goal of homeownership, having funded over $1B in mortgages for his clients in his career. When Tracy is not working, he loves to surf and tinker with his 1951 Ford woody wagon. He and his wife Celeste have recently "launched" their youngest of three children to college, and enjoy traveling the west coast to visit them.

Tracy Trudeau at Origin Point (NMLS #277768)

Rob Valencia is a lending officer with 24 years experience in San Diego. He provides a wide range of home loan products for all levels of residential property ownership. Conventional Jumbo, Conforming, FHA and VA loans are popular among Clients who earn annual salaries or hourly wages. Self\-Employed Clients often chose Non\-Traditional mortgage products which allow them to qualify using 12\-24 Months of Business Bank Statements without providing Business Tax Returns. High Net Worth and Ultra High Net Worth Clients access loans up to $30 Million\* using traditional income sources as well as unique income sources generated by Asset Depletion, Restricted Stock Units, Trust, etc.. Increased leverage, beyond traditional underwriting guidelines, is available with his Pledged Asset program\*. Rob Valencia has earned a reputation for exceptional Client care, attention to detail and, ability to manage complex financial structures. To ensure the quickest and most efficient loan process for his Clients, he utilizes advanced mortgage technologies to his advantage. When loans are ready to Close, Rob provides Loan Documents 24\-Hours prior to each signing appointment so his Clients can review the documents with their Financial Advisors, CPAs and/or Attorneys prior to signing. Most pages of the Loan Documents can be eSigned.  
*\*This is a brokered product and is not offered by OriginPoint.*


*OriginPoint is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the Nevada Department of Veterans Services, the US Department of Agriculture, or any other government agency. No compensation can be received for advising or assisting another person with a matter relating to veterans' benefits except as authorized under Title 38 of the United States Code.*

Rob Valencia is your La Jolla local lender. As a loan officer at OriginPoint, Rob 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 Rob at (760) 826-9512 for more information!

Rob Valencia at Origin Point (NMLS #455305)

I am a Marine Corps Veteran and have been in the mortgage industry for 10 years. During my mortgage career, I also managed a large real estate brokerage, so I know the in's and out's of both the mortgage and real estate sides of the transaction. My passion is working with first time home buyers, and the excitement on their faces when I am able to congratulate them on their first home purchase. In my spare time, I enjoy golfing, staying fit, good wine, and spending as much time as possible with my 20 year daughter who is currently attending Pepperdine University. I look forward to working with you, and you will always have my utmost attention and detail to exceptional service. Thank you!!

Rick Civello is your La Jolla local lender. As a loan officer at OriginPoint, Rick 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 Rick at (619) 486-1553 for more information!

Rick Civello at Origin Point (NMLS #1385127)

Over the course of my 20+ year career as a mortgage lender, I have helped thousands of people finance nearly half a billion dollars in home loans. I have a passion for helping people achieve the dream of homeownership, and my expertise has positively impacted countless homeowners.  
My mission is to simplify home financing, delivering a seamless and satisfying client experience and make the process as simple and transparent as possible. My commitment to exceptional service means that I'm always accessible to answer questions, provide updates, and instill confidence every step of the way.  
Originally hailing from Boston, I eventually made my way to the sunny shores of California where I have resided for the past 2 decades. When not assisting clients you can find me spending time with family, golfing, and enjoying the beautiful San Diego outdoors.

VP of Business Development

Diane Campochiaro is your La Jolla local lender. As a loan officer at OriginPoint, Diane 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 Diane at (619) 219-2267 for more information!

Diane Campochiaro at Origin Point (NMLS #455464)

La Jolla

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8 Loan Officers in La Jolla, CA