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Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

Thomas F Weikel

Thomas F Weikel

Branch Manager

5050 Avenida Encinas, Suite 120, Carlsbad, CA 92008
Own what matters
Own what matters

About Me

I have 30 years of mortgage banking experience. Over the years I have helped many homebuyers get into their first home, move up to their dream home and others build their investment property portfolios.

In the process I have earned the trust of buyers, realtors and industry professionals. I have a reputation for personally staying on top of transactions and closing loans on time.

I am a native San Diegan and my parents were small business owners here. I believe in giving back to my community and am an active member of the Mortgage Bankers Association, San Diego Board of Realtors and Le Tip of El Cajon.

In my career I have navigated many cycles in the real estate industry. Guild Mortgage is a fifty year old San Diego based corporation with a broad array of loan programs and staff expertise unmatched in the mortgage banking industry. The combination of my experience and Guild's strength allow me to put together the loan package that best meets my clients' needs.

I am committed to helping you understand your financing options, closing your loan efficiently and my goal is to be your "lender for life". I look forward to the opportunity to work for you.

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Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Conventional

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
FHA

FHA

If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

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Testimonials

Testimonials
4.99 out of 5.0 stars
5.0
4.97
5.0
Desi
May 28, 2024
Verified

Tom made it simple
Molly
May 28, 2024
Verified

It was nice to work with a lender was always a step ahead!
Jo
May 13, 2024
Verified

I have been a realtor for many years, and Tom is THE BEST loan officer I have ever worked with. I have recommended him to countless buyers, and he never disappoints. Don't ever go anywhere without contacting Tom for your property loan or refi.
Robert
Apr 22, 2024
Verified

Tom is the best!
Alton
Apr 22, 2024
Verified

Mr. Weikel kept the process flowing smoothly and explained as we went along.
Barbara
Apr 22, 2024
Verified

Mr. Weikel answered all of my questions and was very prompt with sending forms to be signed.

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Awards

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Causes I'm
passionate about

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NMLS ID #243656
I am authorized to do business in the state of California. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act;