Headshot of Curt Conkling

Curt Conkling

Branch Manager

NMLS #237743

171 Saxony Road, Suite 206 Room A
Encinitas, CA 92024
(760) 316-1560 (760) 316-1560
Cell phone
(858) 354-7024 (858) 354-7024
[email protected]
Specializes in
Purchase and Refinance
Purchase and Refinance
Refinance Loans
Refinance Loans



About Curt

Since entering the mortgage industry in 1991, I've developed strong sales and marketing skills that have enabled me to help the dream of homeownership come true for thousands of clients. My extensive knowledge of loan products allows me to confidently and efficiently help homebuyers determine the best loan options for their needs. Expertly guiding my clients through the loan application process, understanding their financial profile and supporting documentation, and identifying loan products and quoting rates and terms for my customers are all responsibilities I take seriously.

Over my 30 year career, I have taken a special interest in serving the mortgage needs of our first responders and union workers in California and the Southwestern US. As a leading affinity lender, meaning I create relationships with our area police, first responder, labor, and other unions to offer them the most competitive mortgage pricing available, I am in tune with the unique needs of my clients. These relationships have brought me to become the lender of choice for countless; providing homeownership education and offering specific benefits to all members and participating in various events to support our Law Enforcement Professionals and their charity foundations is a true passion of mine.

Don't hesitate to reach out to me and my team for all of your home financing needs and to see what programs you may qualify for!

A homeowner with a child on his lap calculating whether to buy a new home or refinance his home loan

Specializing in working with Law Enforcement and all First Responder Professionals throughout California and the US.

We're proud to be an preferred lender for PORAC, LAPPL, and CA FOP. Get started by contacting us directly at us at 855.847.0975 or [email protected].

PORAC logo
Peace Officers Research Association of California (PORAC)
Los Angeles Police Protective League (LAPPL)
Fraternal Order of Police California State (CA FOP)
A homeowner with a child on his lap calculating whether to buy a new home or refinance his home loan

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.


Recent Posts and Articles

  • Is a VA Loan Right for You?

    If you need a mortgage and are a current member of the U.S. Military, a Veteran, or a Surviving Spouse, a VA loan is an option for you.

  • tan house summer weather

    Navigating a Hot Homebuying Market Amid Rising Rates

    Spring and summer are typically strong periods for home sales, and this season may be more competitive than ever. When navigating today’s complex mortgage environment, here are some things to consider based on recent trends.

  • A home prepared for colder weather after following tips to winterize your home

    Frosty Fixups: 10 Ways to Winterize Your Home

    Whether you’re facing snow showers or sunny days, now is the time to follow our home winterization checklist to stay warm all season long.

  • Fall Check Up: Protect Your Home in 10 Steps

    Preparing for a new season may spotlight home repairs. Maybe it’s something simple, or perhaps your roof is caving in! Read more about fall home maintenance and how we can help.


Helping your home financing process go smoothly.

  • 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.

  • 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.

  • 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.

  • 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.

What Our Clients Say

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