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.

VP of Mortgage Lending

Rob Coury is your Encinitas local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Rob is committed to helping homeowners with home purchase loans and refinances. Contact Rob at (760) 685-3608 for more information!

Rob Coury at Guaranteed Rate Affinity (NMLS #242966)

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


Hi, I'm Julie Myers, a mortgage loan officer based in Encinitas, California helping clients navigate the home financing process with clarity and confidence for over 25 years.


I specialize in working with first-time buyers, move-up buyers, investors, veterans, and more. I service San Diego, Licensed in California, Oregon, Washington, Colorado, Texas, Florida, Georgia. 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


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  
Always available, including weekends and evenings  
Solution based- can help in any situation to get the deal closed  
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.


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.  
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 family and enjoying the California lifestyle with so much to do!


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.

Julie Myers is your Encinitas local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Julie is committed to helping homeowners with home purchase loans and refinances. Contact Julie at (619) 977-2888 for more information!

Julie Myers at Guaranteed Rate Affinity (NMLS #277030)

Encinitas

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2 Loan Officers Encinitas, CA