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.

VP of Mortgage Lending

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) 815-9196 for more information!

Brett Korf at Guaranteed Rate Affinity (NMLS #285829)

Lisa 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 complex jumbo -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, Reverse mortgage and alternative documentation programs. Lisa's approach is rooted in transparency, responsiveness, and education. She leverages her team, modern technology, 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 reviews. Lisa is more than a loan officer; she's a trusted Lending advisor who is committed to doing what's in the borrowers best interest.

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) 644-0279 for more information!

Lisa Giacomini at Guaranteed Rate Affinity (NMLS #290781)

As your trusted Guaranteed Rate Affinity Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.

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)

Carlsbad

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3 Loan Officers Carlsbad, CA