Headshot of Cynthia Murguia

Cynthia Murguia

Loan Officer

Santee, CA Mortgage Lender

NMLS #1629959

262 Town Center Parkway, Suite 101
Santee, CA 92071
Contact Methods
tel Phone
(760) 309-8029
mobile Mobile
(760) 879-2242
fax Fax


About Cynthia

I started in the mortgage industry as a transaction coordinator in July 2016 and fell in love with it. I obtained my mortgage loan originator license later that year and truly enjoy the feeling of helping make people’s dreams come true. When you work with me, you will find a caring individual who treats you like family, lives each day as if it were my last, and gives others unconditional love and kindness.

By making each mortgage transaction personal, I can tailor your loan to your individual goals and priorities. Whether this is your first home, your next home, a refinance, or an investment property, I am here to give you confidence you’re making the right choices for you and your family. I offer a wide range of products, from conventional and jumbo to FHA, VA, and renovation. Together, we will walk through the steps of your home financing journey.

When I think of success, I think of Winston Churchill’s statement: “Success is not final; failure is not total; it is the courage to continue that counts.” I’ll never quit in my quest to help you cross the finish line and secure the perfect mortgage. I’m excited to work with you and take care of your home financing needs!

Southern California has always been my home. I was born and raised in Heber and attended Southwest High School. I met my husband of over 18 years when we were students together at Imperial Valley College, where I earned my bachelor’s degree in healthcare administration from University of Phoenix. I cherish my time with him and our two sons, ages 18 and 15. We enjoy watching all sports and being together on the weekends.


  • Purchase and Refinance
  • Purchase
  • Refinance Loans

Recent Posts and Articles


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.

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 (760) 309-8029