About Lisa Giacomini
**Lisa Giacomini | Carlsbad Mortgage Loan Officer** Serving North County San Diego 30+ Years Experience | 5 Star Reviews Purchase • Refinance • VA • Jumbo • No-Doc Lisa Giacomini is a trusted mortgage professional with more than 30 years of experience helping families, investors, and high-net-worth clients navigate the home financing process with confidence. Serving Carlsbad and the greater North County San Diego area, Lisa is known for her deep market knowledge, strategic insight, and unwavering commitment to client success. Whether you're a first-time homebuyer, a seasoned investor, or a jumbo or complex-loan client, Lisa delivers clear guidance and tailored mortgage solutions designed to meet your specific financial goals. She specializes in purchase and refinance transactions, VA loans, jumbo financing, and alternative documentation programs, bringing clarity to even the most nuanced scenarios. Lisa's approach is rooted in transparency, responsiveness, and education. She leverages modern technology, real-time market data, and decades of experience to ensure her clients feel informed, empowered, and supported from application through closing. As a refinance specialist, she takes the time to understand each client's full financial picture, helping them secure loans that strengthen long-term financial well-being, not just today's transaction. Recognized for her integrity, attention to detail, and consistent five-star service, Lisa is more than a loan officer, she's a trusted advisor and advocate for her clients' financial futures.
We can make it happen!
Down payment assistance
Overcoming the obstacle of a down payment is possible with grants and programs available from federal and local governments for homeownership.
Low down payment loans
As the initial home investment, we offer VA loans, FHA loans, and USDA loans which have 0-10% down payment requirements.
Veteran loans
Military service members and their families are in the unique position to build equity through real estate at a lower cost than typical homebuyers.
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Jumbo loans
You may consider this type if you plan to purchase a larger property or luxury home in high-end real estate markets.
Lock in your rate
Lock ‘N’ Roll: Lock in a mortgage rate for 60, 75, or 90 days without a signed contract. Secure a lower rate while house shopping with this program.
Accelerated timelines
Our Same-Day program facilitates you to get your loan approved in one day with options as little as 3% down.
Physician loans
Physician homes loan, can be an affordable option for medical professionals. Our program includes paid mortgage insurance and as little as 5% down.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
Mortgage Calculator
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*This is not a commitment to lend. Consumers are advised to obtain a Loan Estimate. Rates are subject to change and are dependent on credit and underwriting criteria.
Your actual rate, payment and costs could be higher. Guaranteed Rate Affinity cannot predict where rates will be in the future. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Guaranteed Rate Affinity for current rates and for more information. All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment,or legal advice or instruction. Guaranteed Rate Affinity does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Guaranteed Rate Affinity. Guaranteed Rate Affinity its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard.
Located at 505 Oak Ave., Suite A Carlsbad CA, 92008
