Aerial view over Solana Beach, looking west across Fletcher Cove and the bluff to the Pacific

Home Loans

By Craig Miller

Purchase and refinance lending for California — conventional, FHA, VA, construction and bridge loans.

Start the Conversation See Loan Programs

25+Years lending

1,000+Loans closed

StatewideCalifornia

Loan programs

Purchase and Refinance

Each program below is written for either a purchase or a refinance, anywhere in California.

Conventional

Fixed and adjustable rate loans for borrowers with established credit and documented income. Down payment as low as 5%.

FHA

3.5% down payment and more forgiving credit score requirements.

VA

100% financing for eligible veterans, active-duty service members, reservists and surviving spouses.

Construction Loan to Permanent Loan

One-time close financing to build your new home.

Bridge

Short-term financing so you can close on the next home before the current one has sold.

How Craig Helps

From Pre-Approval to Funding

Pre-Approval

Send your documentation through this secure site and I will review your income, assets and credit, and then provide you with a pre-approval letter you can present to the seller with your offer.

Underwriting to funding

With the many details involved in the process, I work closely with escrow, title, the appraiser and underwriter to ensure an efficient and successful outcome.

A contemporary coastal home in North County San Diego

Client tools

Send Documents and Run Your Credit

Credit report

A current report is required before I can issue a pre-approval letter.

$137.50

Secure document upload

Upload through Dropbox’s secure page — no account needed, just your name and email. Your files go straight to Craig.

Dropbox

Upload Documents Securely

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Files are encrypted in transit and at rest. Uploads are private — you cannot see other people’s files, and they cannot see yours. Please do not email tax documents.

What to send

01Federal tax returns, last two years
02W-2s or 1099s, last two years
03Pay stubs, last 30 days
04Bank statements, last two months
05Government-issued photo ID

About Craig Miller

Craig’s approach to lending is centered around personalized service, clear communication, and a genuine care for his clients’ well-being. He takes the time to understand each client’s unique needs and goals, providing tailored solutions that make the home financing process smooth and stress-free.

Craig stands out as a seasoned mortgage professional dedicated to helping individuals and families achieve their homeownership dreams. Craig’s deep-rooted expertise is matched by integrity and family values. He believes that every mortgage is more than just a financial transaction, it’s a step toward building a brighter future.

NMLS

#242241

CalBRE

#00915773

Licensed in

California

Office

Cabrillo Mortgage
3160 Camino Del Rio South Ste 206
San Diego, CA 92108

Get in touch

Let’s Talk About Your Loan.

A short conversation, no obligation. Tell me what you are buying or refinancing and I will tell you honestly what you can qualify for.

Call Craig Email Craig

Phone

(760) 519-2284

craigonyourside@gmail.com

Office

Cabrillo Mortgage
3160 Camino Del Rio South Ste 206
San Diego, CA 92108