About Rob Coury
Helping homebuyers in California buy homes with confidence, without the stress. Hi, I'm Rob Coury, a mortgage loan officer based in Encinitas, California helping clients navigate the home financing process with clarity and confidence for over 40 years. I specialize in working with all borrowers: First-time buyers, VA, self-employed, investor, VA, investors, and more. I offer tailored loan solutions and a smooth, transparent experience from start to finish. Whether you're: -Buying your first home -Exploring refinancing options -Looking into programs like FHA, VA, Conventional, Jumbo, Down Payment Assistance, Non-QM, and more I'll walk you through your options and help you choose the right strategy—not just the easiest one. What sets me apart: -Clear, honest communication—no surprises -Fast, reliable pre-approvals to help you win offers and close fast -Using our products to think outside the box -A top producer most of my career, along with customer service satisfaction awards to make sure you are getting the "best of the best" in your process Do you need 20% down to buy a home? -No—many buyers qualify with as little as 3–5% down depending on the loan program. What credit score do you need? -It varies, but there are options available even if your credit isn't perfect. How much home can you afford? -That depends on your income, debt, and goals—I'll help you break it down clearly. I've helped thousands of clients throughout California secure financing for homes, and I'm proud to be a trusted resource for both buyers and local real estate agents. Check out my client reviews to see what it's like to work together. When I'm not helping clients, you'll find me spending time with my family! My wife and I live in Carlsbad, CA. I have three adult children and love spending time with them. I am involved in my community and the local Rotary club working on different fundraisers. I also enjoy the beach, surfing, sports, and getting together with friends to enjoy beautiful California. I believe this business is about relationships—and being someone people can rely on long after closing. If you're thinking about buying, refinancing, or just want to explore your options, let's connect.
