Joseph Uhm
Senior Loan Officer
Why Choose a Mortgage Broker?
Your Advocate. Your Options. Your Best Rate.
When you walk into a traditional bank, they can only offer you their own specific loan products—even if those rates aren't the best fit for your family.
As an independent mortgage broker, we work for you, not a single bank.
The Broker Advantage:
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We Shop for You
We have direct access to the nation’s top wholesale lenders. We do the heavy lifting to compare rates and terms, ensuring you get the absolute best pricing available.
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More Options
Because we aren't tied to one lender's strict guidelines, we can find flexible solutions for Conventional, FHA, and unique VA loan scenarios that retail banks often turn down.
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Wholesale Pricing
We secure wholesale interest rates that are typically lower than what standard retail banks offer the general public.
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Mission-Driven Service
From application to closing, you have a single, dedicated point of contact fighting for your best interests with absolute transparency and integrity.
Services
Maximize Your VA Benefits
You earned your benefits the hard way, and my mission is to make sure you use every single ounce of them. We know how to navigate the bureaucracy so you can secure a home with zero down and minimal out of pocket costs. No runaround, just straight talk and execution.
Tactical Refinancing and Cash Out
Whether we need to get you out of a risky adjustable rate, lower your monthly payment, or pull cash from your equity to eliminate debt, we will run the exact numbers. We will build a strategic plan that puts the advantage back in your hands and keeps more of your money where it belongs.
Building Wealth Through Real Estate
Buying a home is just the first step. As a fellow veteran who actively owns and manages a multi unit property and a vacation rental, we can teach you how to leverage your loans to build your own real estate portfolio. We will share the exact blueprint we use to navigate the market.
WHAT PEOPLE SAY
GARRETT J.
Great experience and the best people to work with.
C.C.
Outstanding customer service. Every question was answered clearly, and we felt supported throughout the entire process. A truly helpful and professional experience.
CHRIS C.
Joe has been a tremendous help with my refinance. He actively monitors rates and keeps my best interests front and center. It’s rare to find someone this proactive and trustworthy.
BOB B.
Efficiency beyond belief. Wonderful service from start to finish.
MICHAEL B.
I was introduced to Joe as he assisted me in reducing my interest rate on my mortgage. Joe walked me through the process and answered all my concerns and questions. He’s excellent in knowledge of the market and the VA housing rules. As I will be seeking to lower my interest rate again, my confidence in Joe are well established.
STEVEN S.
Joe has been great to work with. He always gets me the best rate when I need to refinance. Go see him for all your home loan needs!
Ready to talk about your mortgage?
Get in touch today
Joseph Uhm ​
NMLS #984157
CA DRE #02283271
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email: joseph@saxtonmortgage.com
call or text: 714-742-2516
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9191 TownCentre Drive Suite 400
San Diego, CA 92122
Corp. NMLS #1717191