First Lending Solutions is a mortgage broker and mortgage lender that helps home buyers and homeowners across San Diego County, from Oceanside and Carlsbad to Chula Vista and El Cajon, with purchase, refinance and VA home loans. The company was founded in 2005 by CEO Alan Vogan, a U.S. Marine Corps veteran, and is based in Riverside, California.
San Diego County is home to a large military community, and we know that a move here often comes with orders, a report date and not much time. We also help civilian buyers and homeowners in every part of the county, from downtown condos to North County and East County single-family homes.
Why San Diego County borrowers choose First Lending Solutions
- Led by a Marine. Our CEO served in the U.S. Marine Corps. We’re glad to help Marines, sailors, veterans and their families use the VA home loan benefit they earned.
- Broker and lender. As both a mortgage broker and a mortgage lender, we can compare more than one path for your loan.
- Built for distance. Much of the process can be handled by phone and online, which helps when you’re moving from another duty station or juggling a deployment schedule.
- In the business since 2001. Alan has worked in mortgage and real estate for more than two decades, and First Lending Solutions has served Southern California since 2005.
- What clients say: Rated 5.0 stars from 308 Google reviews (as of October 2026).
VA home loans near Camp Pendleton, Miramar and the Navy bases
Whether you’re stationed at Marine Corps Base Camp Pendleton, MCAS Miramar, Naval Base San Diego, Naval Air Station North Island or Naval Base Point Loma, or you’ve already transitioned out, a VA loan may be worth a close look. VA loans are made by private lenders and partially guaranteed by the U.S. Department of Veterans Affairs, and eligibility depends on your service history. We can help you request your Certificate of Eligibility, explain the VA funding fee and property requirements, and talk through whether your entitlement can be used again if you’ve had a VA loan before.
Many Camp Pendleton families also look at homes just over the county line in Temecula and Murrieta. If that’s you, see our Inland Empire mortgage page.
Home loan options in San Diego County
- VA loans for eligible veterans, active-duty service members, Reserve and Guard members, and eligible surviving spouses.
- Purchase loans for single-family homes, condos and townhomes.
- Refinance loans, including VA refinance options for eligible homeowners, to change your loan type or term or to use your equity.
- FHA loans, insured by the Federal Housing Administration. Eligibility, loan limits and property requirements apply.
- Conventional loans for borrowers who meet conventional guidelines.
- Jumbo loans or a HELOC? Ask us.
San Diego County communities we serve
North County: Oceanside, Carlsbad, Encinitas, Solana Beach, Del Mar, Vista, San Marcos, Escondido, Fallbrook, Bonsall, Poway, Ramona and Rancho Bernardo.
City of San Diego: Downtown, Point Loma, Clairemont, Mira Mesa, Scripps Ranch, Kearny Mesa, North Park and surrounding neighborhoods.
South Bay and East County: Chula Vista, National City, Imperial Beach, Coronado, El Cajon, La Mesa, Santee, Lakeside, Spring Valley and Lemon Grove.
Condos are a common choice in parts of the county, especially downtown and near the coast. Lenders review HOA dues, and VA and FHA loans may require the condo project to meet program requirements, so we’ll check those details early.
How it works
- Reach out from anywhere. Apply online or call (951) 684-3307. If you have orders, tell us your report date and where you’ll be stationed.
- Review your options. We look at your income, credit, savings and VA eligibility, compare loan options with you, and send a clear document list.
- Close and settle in. We coordinate the appraisal, underwriting and escrow with you and your agent, and keep you updated, even if you’re still in transit.
San Diego County mortgage FAQs
Does First Lending Solutions help active-duty Marines and sailors in San Diego County with VA loans?
Yes. First Lending Solutions helps eligible active-duty service members, veterans, Reserve and Guard members, and eligible surviving spouses with VA purchase and refinance loans across San Diego County, including families at Camp Pendleton, MCAS Miramar and the Navy bases. Our CEO, Alan Vogan, is a U.S. Marine Corps veteran. VA loans require eligibility.
Can I start my home loan before my PCS move to San Diego?
Often, yes. Much of the process can begin by phone and online before you arrive. What you’ll need and the timing depend on the loan type, your orders and the property, so call us early and we’ll explain what to expect.
Can I use my VA home loan benefit more than once?
In many cases, yes. Whether you can use your VA benefit again, and how much entitlement is available, depends on your prior VA loans and VA rules. We can help you request your Certificate of Eligibility and review your situation.
Do you serve North County, South Bay and East County?
Yes. We help borrowers throughout San Diego County, including Oceanside, Carlsbad, Escondido and Fallbrook in North County, Chula Vista and Imperial Beach in the South Bay, and El Cajon, La Mesa and Santee in East County.
Your office is in Riverside. How do we work together if I live in San Diego County?
Most of the process can be handled by phone, email and our secure online application, so distance usually isn’t a problem. You’re also welcome to visit our office at 3610 Central Ave, Suite 400, Riverside, CA 92506, Monday through Friday, 8:30 a.m. to 5:00 p.m. PT.
More questions? See our full mortgage FAQ.
Ready to buy or refinance in San Diego County?
Apply online from anywhere, or call us to talk through VA eligibility and your options.
Office hours: Monday–Friday, 8:30 a.m.–5:00 p.m. PT · 3610 Central Ave Suite 400, Riverside, CA 92506
Disclosures
1st Lending Solutions, Inc. DBA First Lending Solutions, 3610 Central Ave Suite 400, Riverside, CA 92506. (951) 684-3307. Company NMLS #135932 (NMLS Consumer Access). Alan Vogan, NMLS #236124. CA DRE Corporation License #01482431. CA DRE Broker License #01373250. CA DFPI California Financing Law License #60DBO96452. AL Consumer Credit License #23244. AL Mortgage Brokers License #23245. FL Mortgage Broker Business License #MBR7449. KY Mortgage Company License #MC796021. TN Mortgage Lender License #174096. TX SML Mortgage Company License (NMLS #135932). Equal Housing Opportunity. This is not a commitment to lend or extend credit. All loans are subject to credit approval, underwriting, program guidelines and property eligibility. Programs and terms are subject to change without notice and may not be available in all areas. VA loans require eligibility. First Lending Solutions is not affiliated with or acting on behalf of the U.S. Department of Veterans Affairs, FHA/HUD or any government agency.