San Diego mortgage broker

    About Omar Michel & Cascada Mortgage Advisors, Inc.

    Quick Answer

    Who is Omar Michel?

    Omar Michel (NMLS #398944, CA DRE #02131389) is a licensed California mortgage broker with 15+ years of experience serving San Diego homebuyers, veterans, self-employed borrowers, real estate investors, and high-net-worth individuals. He is the founder and principal broker of Cascada Mortgage Advisors, Inc. (NMLS #2470941, CA DRE #02206556), a licensed mortgage broker headquartered in San Diego's Mission Valley with access to 100+ wholesale lenders. He provides full bilingual English and Spanish mortgage service throughout San Diego County and Southern California.

    — Cascada Mortgage Advisors, Inc.

    A Personal Note

    Omar is a seasoned mortgage professional with over 15 years of experience helping families throughout San Diego County and Southern California navigate the home financing process. Fluent in both English and Spanish, he brings clarity, empathy, and cultural understanding to every client interaction. Born and raised in San Diego, Omar combines deep local knowledge of San Diego neighborhoods and the greater San Diego real estate market with a commitment to building long-term relationships rooted in trust and transparency.

    Omar is also a passionate advocate for the special needs community. His youngest daughter is on the autism spectrum, and this personal connection fuels his dedication to creating inclusive opportunities. Each year, his family participates in the Race for Autism 5K, walking and running together to support autism awareness and research.

    Outside the office, Omar is a proud father of three daughters—one attending UCSD, one in middle school, and one in elementary school. His family resides in Tierrasanta, The Island in the Hills and enjoy hiking San Diego's scenic trails exploring beautiful outdoor spaces, traveling to new destinations, and sharing movie nights with his family. His leadership style is grounded in recognition, motivation, and a genuine passion for helping others grow.

    Omar Michel - Independent Mortgage Broker

    Professional Background

    Omar Michel has 15+ years of experience in California mortgage origination, having worked with thousands of borrowers across San Diego County and Southern California. He began his career in mortgage banking before transitioning to the broker channel — where access to 100+ wholesale lenders allows him to find the most competitive rate and program for each borrower's specific situation rather than steering clients toward a single institution's products.

    Omar specializes in scenarios that major banks frequently decline: self-employed borrowers who qualify on bank deposits rather than tax returns, veterans using VA loan benefits at any price point, reverse mortgage candidates evaluating HECM and jumbo programs, real estate investors using DSCR qualification, and high-net-worth borrowers using asset depletion programs.

    He provides full bilingual English and Spanish mortgage service — from the initial consultation through closing — for San Diego's large bilingual community.

    Credentials & Licensing

    Individual License:

    Mortgage Broker — NMLS #398944

    CA DRE License #02131389

    Company License:

    Cascada Mortgage Advisors, Inc.

    NMLS #2470941

    CA DRE License #02206556

    Company Address:

    4025 Camino del Rio S, Suite 300

    San Diego, CA 92108

    Not a direct lender. Loans arranged through third-party wholesale lenders.

    Equal Housing Opportunity.

    Serving San Diego and Southern California

    Cascada Mortgage Advisors, Inc. is headquartered in San Diego's Mission Valley and serves homebuyers, homeowners, veterans, self-employed borrowers, real estate investors, and high-net-worth individuals throughout San Diego County, Los Angeles County, and all of California.

    As a licensed mortgage broker — not a bank, not a direct lender — Cascada submits each borrower's scenario to multiple wholesale lenders and returns the most competitive rate and program available in the current wholesale market.

    ¿Prefiere hablar en español? Ofrecemos servicio bilingüe completo en todos los programas de hipotecas.

    About Omar Michel and Cascada Mortgage Advisors, Inc.

    Omar Michel (NMLS #398944, CA DRE #02131389) is a licensed California mortgage broker with 15+ years of experience serving San Diego homebuyers, veterans, self-employed borrowers, real estate investors, and high-net-worth individuals. He is the founder and principal broker of Cascada Mortgage Advisors, Inc. (NMLS #2470941, CA DRE #02206556), a licensed mortgage broker headquartered in San Diego's Mission Valley with access to 100+ wholesale lenders. He provides full bilingual English and Spanish mortgage service throughout San Diego County and Southern California.

    Cascada Mortgage Advisors, Inc. specializes in mortgage programs for borrowers whose situations require more than a conventional bank can offer — including VA loans for San Diego's military and veteran community, HECM and jumbo reverse mortgages for homeowners 62+, bank statement loans for self-employed borrowers and business owners, asset depletion loans for high-net-worth individuals, DSCR loans for real estate investors, and jumbo loans for high-value properties throughout San Diego and Los Angeles counties. Full bilingual English and Spanish service is available across all programs.

    Cascada Mortgage Advisors, Inc. (NMLS #2470941, CA DRE #02206556) is a licensed mortgage broker — not a bank, not a direct lender, and not affiliated with any single lending institution. Every loan is arranged through third-party wholesale lenders. As a broker, we submit each borrower's scenario to multiple lenders and return the most competitive rate and program available in the wholesale market — rather than offering only one institution's products.

    Cascada Mortgage Advisors, Inc. is headquartered at 4025 Camino del Rio S, Suite 300, San Diego, CA 92108 (Mission Valley). We serve homebuyers, homeowners, veterans, self-employed borrowers, real estate investors, and high-net-worth individuals throughout San Diego County, Los Angeles County, and all of California. Omar Michel (NMLS #398944, CA DRE #02131389) can be reached directly at 619-370-0889 or omar@cascadamortgageadvisors.com.

    What Our Clients Say

    5.0 ★ · 32 Google reviews

    Reviews are sourced from Google. Reviewers are not compensated. Individual results vary.

    Maria Pierotti

    2 months ago

    I had a GREAT experience with Omar. He was able to get the loan done quickly and efficiently. I would highly recommend him.

    Levi Renninger

    2 months ago

    Omar is the best and most dynamic mortgage broker in San Diego. He is highly knowledgeable, honest, and responsive. He truly always keeps his client's best interest in mind and continues to advocate for them throughout the process. After 18 months of looking for a refinance with > 4 different brokerage firms, Omar was the one to finally get the job done. He was able to use his network of banks to find the right match for me to refinance my mortgage despite the HOA having outstanding repairs necessary to balconies, which had been blocking me and anyone in my community from refinancing for the past 1.5 years. He is very personable and goes above and beyond, often answering outside of typical work hours which was never expected but appreciated. We secured a great loan for myself that almost sounded too good to be true, but with no catches. When interest rates drop 1% whether it is in 1 year or 10 years, Omar will be the first person I contact!

    Diane Flood

    2 months ago

    Omar is one of the nicest men I have ever encountered. He is very respectful and is always there for me, even on weekends he will return my calls. I know I should not call him during the weekends, but he always makes everything easier on me when I am in a panic for whatever situation I am in. He makes everything 100% better. When I first got my reverse mortgage, Omar was on top of each and every detail and solved all my requests and concerns. He definitely knows how to sooth one's mind while in a panic. He always does for me. I highly recommend Omar as an advisor. Thank you, Omar you are, the best indeed. Fondly, Diane F.

    Rachel Rosenthal

    2 months ago

    We had a great experience working with Omar to purchase our first home. As first-time homebuyers, we appreciated his knowledge of the market, current rates, and the entire mortgage process. He was always available to answer our many questions, explain each step clearly, and put us at ease throughout the experience. We would recommend Omar to anyone looking for a knowledgeable, responsive, and honest mortgage broker!

    Michael Herrera

    3 months ago

    (Translated by Google) It was a pleasure working with you and having you guide us through the entire process. Your manner is always very friendly. 100% recommended (Original) Fue un placer trabajar contigo y que nos giaras en todo el proceso y tu trato siempre es muy cordial. 100% recomendado

    Kensuke Yamamoto

    3 months ago

    This was my second time working with Omar, and once again, he exceeded my expectations. I chose to work with him again because of the excellent experience I had the first time, and he continued to deliver outstanding service. From start to finish, Omar was incredibly responsive, professional, and easy to work with. Whenever I had a question, he replied quickly and always took the time to make sure I fully understood the answer. What really sets Omar apart is how well he guides his clients through the mortgage process. He clearly explained each step, kept me informed about what to expect next, and made sure I always knew where we were in the process. Buying or refinancing a home can be overwhelming, but Omar made everything feel smooth, organized, and stress-free. He was also very efficient and kept everything moving forward without unnecessary delays. I truly appreciated his patience, attention to detail, and commitment to providing exceptional customer service. It’s rare to find someone who is not only knowledgeable and efficient but also genuinely cares about making the experience as easy as possible for their clients. That’s why I came back to Omar a second time, and I wouldn’t hesitate to recommend him to anyone looking for a trustworthy, responsive, and dedicated mortgage broker. Thank you again, Omar, for another outstanding experience!

    Lycia Rios

    7 months ago

    We had an excellent experience working with Omar for our HELOAN to secure the down payment on our second home. From start to finish, he demonstrated incredible knowledge and experience in navigating the lending process. He took the time to explain every detail clearly, answered all of our questions, and made sure we fully understood our options. What truly stood out was how committed he was to acting in our best interest as borrowers. He carefully evaluated different scenarios to ensure we were making the smartest financial decision for our family. We never felt rushed or pressured — just genuinely supported. On top of his professionalism, he is friendly, approachable, and easy to communicate with, which made what could have been a stressful process feel smooth and manageable. We are so grateful for his guidance and highly recommend him to anyone looking for a knowledgeable and trustworthy mortgage professional!

    Antonio

    10 months ago

    It’s hard to describe the experience my wife and I just had with Omar. In contrast to previous accounts with “professionals“ he shined bright. The communication, consistency and patience he had for us in our situation, was an absolute breath of fresh air in a cut throat and unforgiving industry. If I could give him 10 stars I would.

    Crrz99 C.J

    11 months ago

    Awesome person to work with I’m grateful for helping me purchasing our first home :) Hope I can work again with you soon.

    Iris Urvina

    11 months ago

    Omar is an exceptional broker who truly goes above and beyond. My sister and I were previously stuck in an unfair loan and felt discouraged, thinking we wouldn’t qualify for anything better given our financial situation. Omar took the time to carefully research our options and quickly found a solution that put us in a much better position. He made the entire process clear and stress-free, walking us through every question and detail. Even after closing, he continues to check in and guide us toward our future goals. We’re extremely grateful for his support and expertise!

    Patrick Yrigoyen

    11 months ago

    Working with Omar to purchase my first investment property was an absolute pleasure. The entire process was quick and painless, thanks to his professionalism and proactive approach. Omar asked for everything he needed upfront, which eliminated the usual back-and-forth and made the experience incredibly smooth. He kept us informed with timely updates and was always available to answer questions. One standout moment was when Omar flagged a property that was underinsured—his advice helped us avoid potential issues that could have surfaced down the line. That level of diligence and care truly sets him apart. If you're looking for a mortgage broker who is thorough, communicative, and genuinely invested in your success, Omar is the one. Highly recommended!

    Juan Dario

    11 months ago

    Omar helped us with the purchase of our first home. He was very helpful every step of the way. Every question we had, he made sure to answer. Very professional, I would totally recommend. Very satisfied. Thank you Omar

    Jorge Zambada

    11 months ago

    Great experience with Omar, very clear, always available for any questions, transparency of all payments, proactive when it comes to anticipating next steps. I strongly recommend Omar for your next home loan.

    Amy Genao

    1 year ago

    Omar was referred to me from multiple friends as a top mortgage broker, and from our first conversation, I could see why. He listened to me patiently, asked insightful questions, and took the time to explain every detail in plain language. What really impressed me was how knowledgeable he is—not just about mortgages, but the broader financial landscape. Omar’s approach is proactive, thorough, and refreshingly human as he’s genuinely invested in helping his clients succeed. I’m grateful for his guidance and would wholeheartedly recommend Omar!

    Lucia Alvarado

    1 year ago

    Omar Michel is an amazing mortgage loan officer. When I purchased my townhome as a first time buyer, the process was smooth from start to finish, and he was always available to answer all of my many questions without hesitation. Omar took the time to walk me through my options, offering great flexibility that made the experience stress-free. He worked hard to help me secure low rates, and I genuinely felt like I was in good hands the entire time. We still keep in contact, and I’d recommend him to anyone looking for a knowledgeable and dependable mortgage professional.

    Lizz Coble

    1 year ago

    I’ve worked with Omar multiple times, and he always goes above and beyond for my clients. He works hard to present them with different loan options so they can make the best decision for their situation. What really sets Omar apart is his availability and responsiveness. No matter the time or question, he’s always there to provide clarity—for both my clients and me as their agent. His dedication, knowledge, and commitment to great service make every transaction so much smoother!

    Monica Medina

    1 year ago

    Amazing! Omar Michel was extremely professional and helpful. He was very flexible and knowledgeable. He answered all my questions and took the time to research to provide the best outcome .I highly recommend Omar for all your important decisions.

    Allan Balestrini

    1 year ago

    Omar is the best financial advisor, I highly recommend him! I got the house of my dream with the best interes rate because of his advices!

    Tori Peck

    1 year ago

    Omar made everything so seamless and easy for me! There are many options when considering a Mortgage Advisor but choosing Omar is a no brainer. He is customer service at it's finest! He was able to find me low rates with lots of flexibility and his availability was endless! I highly recommend Omar Michel!

    Yvonne Ramge

    1 year ago

    As a Realtor it is important to work with competent and trustworthy Mortgage Loan Advisors. I have worked with Omar Michel since 2012. Not only is he knowledgeable with every mortgage product/program he is always responsive and professional. I reccomend Omar to anyone looking to purchase or refinance their property!

    Araceli Lopez

    1 year ago

    Omar was an absolute pleasure to work with for my mortgage loan. He was patient, courteous & very knowledgeable. He explained my options to acquire the best low rates. He was flexible with my capabilities & always available for my questions. I highly recommend him & have already put him in contact with some of my friends.

    Sven M

    1 year ago

    I have been working with Omar since I bought my first home in 2009. He helped answer all my new homeowner questions. He was patient and responsive throughout the whole process. The reason I keep going through Omar for refinancing and new mortgages are his low rate options. He always has great advice and locks in the rate when you are comfortable. Thank you for helping me through all the years and transactions.

    Diego Luna

    1 year ago

    Omar has shown me He is an incredible person to work with. He is able to provide me with many options of low rates for mortgages. I appreciate that when I have a question he is quick to respond back with the answer that I am looking for. I highly recommend Omar, for anyone looking for a reliable loan.

    TeslaFanatic1614

    1 year ago

    Omar is super flexible, he met us on our terms, helped us get the lowest rate and close the deal in record time, his flexibility helped close a complicated deal in a timely manner

    Jennifer Delacruz

    1 year ago

    I have worked with Omar a few times on refinancing my home. He has been constantly available and I’m made to felt like I’m his only client. I trust his knowledgeable expertise, and I will always have the lowest rates and the best personalized service. I recommend Omar hands down to my friends and family.

    Jonathan Zavala

    1 year ago

    Cascada Mortgage Advisors provided an exceptional experience from start to finish! They offered a wide range of options, ensuring I found the perfect mortgage to meet my needs. Their team demonstrated incredible flexibility, tailoring solutions that worked with my financial situation and timeline. I was particularly impressed by their availability—they were always ready to answer my questions and guide me through the process. Plus, they secured incredibly low rates, saving me money in the long run. I highly recommend Cascada Mortgage Advisors to anyone looking for professional and reliable mortgage services!

    Daniel Laguna

    1 year ago

    Working with Omar was an incredible experience. As a first-time homebuyer, I was both nervous and admittedly a bit needy throughout the process. Omar and his team were patient, understanding, and incredibly supportive every step of the way. He provided me with plenty of options tailored to my needs, offering the flexibility to choose what worked best for me. His availability to answer all my questions (and there were a lot!) and his ability to find me low rates made the entire journey much less stressful. I couldn’t have asked for a better guide through the mortgage process. I’m so happy to see him running his own brokerage now, and I wouldn’t hesitate to work with him again. Five stars all the way! This version highlights your personal experience and makes the review feel more genuine. What do you think?

    Sara I. Sandoval

    1 year ago

    I have had the pleasure of working with Cascada Mortgage, specifically with Omar Michel, the owner, on three separate loans so far. The reason I keep going back to Omar is his ability to find the best interest rates and loans for my needs. Omar and his staff are very knowlegeable when it comes to the current mortgage market and are always readily available to ensure every step of the loan process is correct and secure. I appreciate their flexitility and availibility while processing my loan requests. I highly recommend Cascada Mortgage Advisors, Inc, for all of your mortgage needs.

    David B

    1 year ago

    Omar is amazing!!! He is so responsive and attentive! Very knowledgeable and gives weekly updates. He's so patient and explains the entire process step by step . He is my go to guy with any loans. I highly recommend him ! ⭐⭐ ⭐ ⭐ ⭐.

    Alex Z

    1 year ago

    I highly recommend Omar Michel. He’s helped me on numerous mortgage loans and all my clients love him. He’s always available to take my calls and breakdown the process in simple terms. My clients choose to work with Omar, because he always has options for them and give them low rates, which most others cannot compete with.

    Talk With Omar About Your Mortgage Goals

    Get a direct, bilingual consultation tailored to your financial situation.

    Call OmarGet Pre-Approved