Justin Kollman

SVP of Mortgage Lending

NMLS #307403

169 Saxony Road Suite 104
Encinitas, CA 92024
(858) 731-6118 (858) 731-6118
[email protected]
Specializes in
Purchase and Refinance
Refinance Loans



About Justin

Justin Kollman's involvement in the mortgage industry, specifically the builder division, is more than just giving out loans to him' it's a chance to make someone's life better. As an active member in his community, Justin quickly realized how helping build homes for others created a positive impact within his own life and the area he lives in. Justin discovered his love for helping others, adding value into their lives and creating a positive community environment. Justin immediately dived into the mortgage industry after graduating college in 2002 but once he dipped his toes in, he knew this is what he wanted to do for life. By never cutting corners and building relationships that truly have depth, Justin has earned his title as "expert." Justin is a 2018 Board of Director at the Building Industry Association of San Diego (BIA) and 2018 Chair of Council Forum and has received awards for a previous employers' president's circle 3 years in a row. In addition, he's been recognized as a certified premier lender, high performing metrics, and 98% customer satisfaction.

Justin earned his Bachelor of Arts in Political Science and Economics at Western Michigan University. In his free time, Justin enjoys playing hockey and surrounding himself with other like-minded positive people, including his wife, Chaz.


Recent Posts and Articles

  • 4 Reasons Why You Should Compare Mortgages

    Are you ready to buy a house? Browse our broad selection of mortgage products and loan officers to find the best fit for your home financing situation.

  • The Power of Choice When Buying a Home or Refinancing a Mortgage

    There is no right or wrong answer when it comes to selecting a mortgage. Whether you’re buying a home or refinancing your current mortgage, there are several programs to choose from to help you reach your financial and personal goals.

  • Expand Your Horizons By Refinancing Your Mortgage

    Refinancing a mortgage does more than lower mortgage interest rates. Discover how you can get closer to achieving your life goals after refinancing your loan!

  • Is This a Good Time to Refinance? 

    Trying to decide if you should refinance your mortgage? We’ve crafted a list of reasons why refinancing your mortgage could be the right fit for you!

Owning a home is fun and fulfilling!

What’s not to love about having a space that is entirely yours? You can paint your bathroom fuchsia, have hardwood in the master, put up a wild Mosaic in the kitchen, install a smart thermostat, you name it. After all, it’s your home!

Equally enjoyable are the other personal and financial advantages of being a homeowner: security and stability, equity and wealth building, and more! I’m here to help you get the most from your home financing — whether you’re buying your first home, moving up or downsizing to match your lifestyle, or refinancing your current mortgage.


Helping your home financing process go smoothly.

  • The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

Quick Contact Form

Send me a message below or give me a call at (858) 731-6118

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