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Matthew Barnes

Matthew Barnes

Loan Officer

3655 Nobel Drive, Suite 250, San Diego, CA 92122
Own what matters
Own what matters

About Me

Get To Know Your Loan Officer, Matthew Barnes

Matthew Barnes has worked as a mortgage loan originator for seven years after graduating from the University of Arizona in 2015. Matthew’s favorite part of his job is educating clients about products that best suit their needs, while building professional, friendly relationships with them. As a result, his goal is to offer the best loan products and to make sure his clients are left feeling comfortable and satisfied with their experience. In his spare time, Matthew enjoys going to the beach, surfing, and playing music.

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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.



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.


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.


5.0 out of 5.0 stars
Byron F
Dec 13, 2022

Matt was great through the entire process. He is courteous and professional.
Matthew B
Oct 21, 2022

I am a real estate broker and wanted to refinance my house. I talked to four different agents from Los Angeles, none of them provided me satisfactory information for loan rate, MIP, commission, closing costs, etc. I searched internet and I found the best mortgage loan originator in San Diego, CA. His name is Mr. Matthew Barnes who offered me the best financing deal, with lo lowest rate, lowest fees, lowest expenses. Above all he closed the financing in three weeks. Mr. Matthew Barnes is a trusted mortgage loan originator, professional, honest, very pleasant to answer all questions, available 24/7, very punctual to his words and promises. I strongly recommend Mr. Matthew Barnes for all real estate financing. Fred Shahbaz.
Kathy K
Oct 04, 2022

Not only is Matthew very knowledgeable, but he is courteous, responsive, timely and helpful. I couldn't have asked for a nicer or more competent or responsive loan officer. I really can't say enough positive things about Matthew. If you have the opportunity to work with him, your are very fortunate.

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NMLS ID #1516019
I am authorized to do business in the states of Arizona, California, Florida, Georgia, Hawaii, Illinois, Kentucky, Mississippi, North Carolina, Oklahoma, Texas and Utah. AZ BK#0018883; AZ BKBR# 1045273; AZ LO Lic.# 937696; Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act; (; Licensed by the Mississippi Department of Banking and Consumer Finance;