Headshot of Curt Conkling

Curt Conkling

Branch Manager

NMLS #237743

171 Saxony Road, Suite 102 Room D
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

  • A mailbox filled with junk mail

    An increase in snail mail is part of life after your loan closes. Learn what mail is important and how to reduce the volume of junk mail.

  • An entrepreneur researching proprietary loan products for the self-employed

    Buying a Home Without W-2s or Paystubs.

    You can still get a home loan if you don’t have W-2s or paystubs! Our Signature Series of proprietary loan products offers mortgages for people with less-traditional employment and sources of income.

  • A homeowner looking into how refinancing mortgages and current mortgage refinance rates

    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!
  • Couple researching which mortgage will provide more benefits for them when they buy a home
    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.


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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Send me a message below or give me a call at (760) 316-1560