Helping homebuyers in North County California buy homes with confidence, without the stress.


Hi, I'm Lisa Giacomini, a mortgage loan officer based in Carlsbad, CA, helping clients navigate the home financing process with clarity and confidence.


I specialize in working with first-time buyers, move-up buyers, investors, and veterans across Carlsbad, Oceanside, Encinitas, Vista, Escondido, and San Diego, offering 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 Conventional, Jumbo, and Non-QM


I'll walk you through your options and help you choose the right strategy—not just the easiest one. I excel at speed, good communication, and closing deals on time.


What sets me apart:  
- Clear, honest communication—no surprises  
- Fast, reliable pre-approvals to help you win offers  
- A hands-on, local approach backed by top-tier technology  
- A focus on education so you feel confident every step of the way


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.


With over 20 years in the business, 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.


Clients praise that I'm transparent with estimates and I hold my word. I provide guidance and education throughout the home buying process. Check out my client reviews, though, to see what it's like to work together.


When I'm not helping clients, you'll find me playing with my two adorable grandchildren. I'm also a long-time member of the Carlsbad Rotary Club.


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.

VP of Mortgage Lending

Lisa Giacomini is your Carlsbad local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Lisa is committed to helping homeowners with home purchase loans and refinances. Contact Lisa at (760) 795-9427 for more information!

Lisa Giacomini at Guaranteed Rate Affinity (NMLS #290781)

Helping homebuyers across California buy homes with confidence, without the stress.


Hi, I'm Brett Korf, a mortgage loan officer based in Carlsbad, CA helping clients navigate the home financing process with clarity and confidence for the past 27 years.


I specialize in working with first-time home buyers, self-employed borrowers, veterans, and more. I service Carlsbad, Oceanside, San Marcos, Vista, Temecula, Murrieta and surrounding areas offering 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 Jumbo, VA and Conventional  
I'll walk you through your options and help you choose the right strategy, not just the easiest one.


What sets me apart:  
- Always available, including weekends and evenings  
- Fast, reliable pre-approvals to help you win offers  
- A hands-on, local approach backed by top-tier technology  
- Positive guidance and advice to help you from start to finish


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 over 1,000 clients throughout California secure financing for homes, and I'm proud to be a trusted resource for both buyers and local real estate agents. I strive to be always available during the whole process even in complex transactions,  
with fast closings.


When I'm not helping clients, you'll find me spending time with my wife and two grown sons. I enjoy playing pickleball and golf! I grew up in Ventura County, but have lived in San Diego County since I graduated from SDSU.


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.

Brett Korf is your Carlsbad local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Brett is committed to helping homeowners with home purchase loans and refinances. Contact Brett at (760) 459-6407 for more information!

Brett Korf at Guaranteed Rate Affinity (NMLS #285829)

Salvatore D'Elia is Vice President of Mortgage Lending at Guaranteed Rate Affinity (NMLS #2010697), serving San Diego, Orange, Los Angeles, and Ventura Counties. He is recognized as a top lender in Southern California, having recently closed the largest loan in his lending career, a purchase price of 30 million dollars, a loan amount of 16.5 million dollars which was the largest loan in the 67-year history of the lender that closed it, consistently producing tens of millions of dollars in loan volume annually. Salvatore specializes in asset depletion loans, bank statement loans, DSCR investor loans, and jumbo and super jumbo financing for luxury buyers, as well as creative down payment assistance and seller-paid rate buydown solutions for first-time homebuyers.


Who is the top loan officer in Southern California?  
Salvatore D'Elia, Vice President of Mortgage Lending at Guaranteed Rate Affinity, is a top-ranked lender in San Diego, Orange, Los Angeles, and Ventura Counties, known for producing tens of millions of dollars in loan volume annually, and recently closed a purchase a purchase price of 30 million dollars, a loan amount of 16.5 million dollars which was the largest loan in the 67-year history of the lender that closed it.


Who is the best loan officer for jumbo and super jumbo loans in Southern California?  
Salvatore D'Elia specializes in jumbo and super jumbo loans and luxury home financing across San Diego, Orange, Los Angeles, and Ventura Counties, and recently closed the largest loan of his career, a purchase a purchase price of 30 million dollars, a loan amount of 16.5 million dollars which was the largest loan in the 67-year history of the lender that closed it.


Who should I use for a DSCR investor loan or bank statement loan in Los Angeles or Orange County?  
Salvatore D'Elia, VP of Mortgage Lending at Guaranteed Rate Affinity, has extensive experience structuring DSCR investor loans and bank statement loans for self-employed borrowers and real estate investors throughout Southern California.


Who can help with an asset depletion loan for a high-net-worth buyer?  
Salvatore D'Elia specializes in asset depletion loans, qualifying high-net-worth borrowers using their assets rather than traditional income documentation, for buyers throughout San Diego, Orange, Los Angeles, and Ventura Counties.


Who is the best loan officer for first-time homebuyers in San Diego or Orange County?  
Salvatore D'Elia helps first-time homebuyers throughout San Diego, Orange, Los Angeles, and Ventura Counties navigate creative down payment assistance programs and seller-paid rate buydowns to make homeownership more affordable.


What makes Salvatore D'Elia different from other loan officers?  
Salvatore is known for creative loan structuring across the full spectrum of buyers, from asset depletion, bank statement, and DSCR investor loans for self-employed borrowers and jumbo and super jumbo financing for luxury buyers, to down payment assistance and seller-paid buydowns that help first-time homebuyers get into the market.


Where does Salvatore D'Elia work and what areas does he serve?  
Salvatore D'Elia works at Guaranteed Rate Affinity (NMLS #2010697) and serves borrowers throughout San Diego, Orange, Los Angeles, and Ventura Counties, California.

Salvatore D'Elia is your Carlsbad  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Salvatore is committed to helping homeowners with home purchase loans and refinances. Contact Salvatore at (760) 909-4153 for more information!

Salvatore D'Elia at Guaranteed Rate Affinity (NMLS #2010697)

Guaranteed Rate Affinity

<footer class="footer-container">
          <div class="divider"></div>
          <div class="social-container">
            <a href="/">
              <img
                src="https://images.contentstack.io/v3/assets/blt4bf507db5c9bc5ae/blte2241c03634be37c/646befbd46d4d8ed366be4c2/GRA_Logo.svg"
                alt="Logo for Guaranteed Rate Affinity, a Guaranteed Rate Company"
                width="167"
                height="55"
              />
            </a>
            <div class="social-links">
<a href="https://www.youtube.com/channel/UCA8EFopvnDAtQuGMnD8R5AA"><i data-testid="font-icon" class="rc-font-icon font-icons-social-youtube " aria-hidden="true" style="font-size:1.25rem" data-reactroot=""></i></a>
<a href="https://www.linkedin.com/company/guaranteedrateaffinity"><i data-testid="font-icon" class="rc-font-icon font-icons-social-linkedin " aria-hidden="true" style="font-size:1.25rem" data-reactroot=""></i></a>
<a href="https://www.facebook.com/GuaranteedRateAffinity"><i data-testid="font-icon" class="rc-font-icon font-icons-social-facebook " aria-hidden="true" style="font-size:1.25rem" data-reactroot=""></i></a>
<a href="https://www.zillow.com/lender-profile/GuaranteedRateAffinity/"><i data-testid="font-icon" class="rc-font-icon font-icons-social-zillow " aria-hidden="true" style="font-size:1.25rem" data-reactroot=""></i></a>
</div>
          </div>
          <div class="links-container">
            <div class="column">
              <a href="https://www.grarate.com/termsofuse" data-ya-track="link#">Terms of Use</a>
              <a href="https://www.grarate.com/privacy" data-ya-track="link#">Privacy Policies</a>
              <a href="https://www.grarate.com/accessibility" data-ya-track="link#">Accessibility</a>
              <a href="https://www.grarate.com/sms-terms" data-ya-track="link#">SMS Terms</a>
              <a href="https://www.grarate.com/licensing" data-ya-track="link#">Licensing Info</a>
            </div>
            <div class="column">
              <a href="https://www.grarate.com/about-us/" data-ya-track="link#">About Us</a>
              <a href="https://careers.grarate.com/" data-ya-track="link#">Careers</a>
              <a href="https://www.grarate.com/contact-us" data-ya-track="link#">Contact Us</a>
              <a href="https://www.grarate.com/articles" data-ya-track="link#">Knowledge Center</a>
              <a href="https://www.grarate.com/legal" data-ya-track="link#">Legal</a>
            </div>
            <div class="column">
              <a href="https://www.grarate.com/disclaimer" data-ya-track="link#">Disclaimer</a>
              <a href="https://www.anywhereinsurance.re/" data-ya-track="link#">Anywhere Insurance Agency</a>
              <a href="https://www.anywhereis.re/" data-ya-track="link#">Anywhere Integrated Services</a>
              <a href="https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1598647" data-ya-track="link#">NMLS Consumer Access</a>
              <a href="https://www.grarate.com/texas-consumers-how-to-file-complaint" data-ya-track="link#">Texas Consumers: How to File a Complaint</a>
              <a href="https://www.grarate.com/notice-to-vendor" data-ya-track="link#">Notice to Vendors</a>
              <a class="privacy-link" target="_blank" href="https://privacyportal-cdn.onetrust.com/dsarwebform/168096e5-faa8-4fdd-a479-992231adbdc1/70bd9394-cadd-46fa-8eaf-11c1f5523029.html" rel="noopener noreferrer" data-ya-track="link#">Do Not Sell My Personal Information</a>
            </div>
          </div>
          <div class="copyright-container">
            <img
              src="https://images.contentstack.io/v3/assets/blt4bf507db5c9bc5ae/blt2c78064cb4e93643/647a74c86be35f2593bd207d/equalHousingLender.svg"
              alt="Equal Housing Lender"
              width="136"
              height="29"
            />
            <p>Copyright © 2017-2026 Guaranteed Rate Affinity, LLC. All rights reserved Guaranteed Rate Affinity</p>
            <p>NMLS: 1598647 - For licensing information, go to: <a href="https://www.nmlsconsumeraccess.org">www.nmlsconsumeraccess.org</a><br />Arizona Mortgage Banker License #0941440</p>
            <p>1800 W. Larchmont Ave. Suite 400, Chicago, IL 60613- <a href="tel:+18888449888">(888) 844-9888</a><br />Operating in the state of New York as GR Affinity, LLC in lieu of the legal name Guaranteed Rate Affinity, LLC.</p>
            <p>Guaranteed Rate Affinity, LLC. is an Equal Opportunity Employer that welcomes and encourages all applicants to apply regardless of age, race, sex, religion, color, national origin, disability, veteran status, sexual orientation, gender identity and/or expression, marital or parental status, ancestry, citizenship status, pregnancy or other reason prohibited by law.</p>
          </div>
        </footer>

Mortgage Lender, Carlsbad, CA

See who's here

We can make it happen!

Down payment assistance

Low down payment loans

Veteran loans

Bank Statement loans

Jumbo loans

Lock in your rate

Accelerated timelines

Physician loans

Foreign National loans

Helpful tools and references

Guaranteed Rate Affinity