Happy family in their dream home
    Cascada Mortgage Advisors, Inc.

    Get Into Your Dream HomeWith Rates You Can Afford

    San Diego's independent mortgage broker β€” we compare 100+ lenders so you don't have to. Expert guidance from pre-approval to closing.

    Download the 2025 Homebuyer Guide
    100+ Lender PartnersNo Bank PressureSan Diego Specialist

    Why Choose Us

    βœ“

    Expert Background

    Comprehensive background in investments, taxation & banking

    βœ“

    Competitive Rates

    Access to 100+ lender partners for competitive pricing

    βœ“

    Personalized Service

    Tailored solutions for your unique financial situation

    βœ“

    Network Access

    Connections to estate lawyers, tax accountants & agents

    βœ“

    Independent Broker

    No bank pressure, unbiased advice focused on YOU

    Quick Answer

    Who is Cascada Mortgage Advisors, Inc.?

    Cascada Mortgage Advisors, Inc. (NMLS #2470941, CA DRE #02206556) is a licensed independent mortgage brokerage β€” not a direct lender β€” headquartered at 4025 Camino del Rio S, Suite 300, San Diego, CA 92108. Founded by Omar Michel (NMLS #398944, CA DRE #02131389), the firm brokers FHA, VA, Jumbo, Conventional, DSCR, and bank-statement loans across all seven Southern California counties β€” San Diego, Los Angeles, Orange, Riverside, San Bernardino, Ventura, and Imperial β€” through a network of 100+ wholesale lenders. Its partner real estate division, White Water Real Estate Group, serves La Jolla, North Park, Bay Park, Chula Vista, and Tierrasanta.

    β€” Cascada Mortgage Advisors, Inc.

    What Our Clients Say

    5.0 from 32 Google reviews
    Kensuke Yamamoto

    Kensuke Yamamoto

    a month 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!

    Levi Renninger

    Levi Renninger

    a month 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

    Diane Flood

    a month 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.

    Lycia Rios

    Lycia Rios

    6 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 β€” 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!

    Patrick Yrigoyen

    Patrick Yrigoyen

    10 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 underinsuredβ€”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!

    Kensuke Yamamoto

    Kensuke Yamamoto

    a month 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!

    Levi Renninger

    Levi Renninger

    a month 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

    Diane Flood

    a month 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.

    Lycia Rios

    Lycia Rios

    6 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 β€” 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!

    Patrick Yrigoyen

    Patrick Yrigoyen

    10 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 underinsuredβ€”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!

    San Diego Mortgage Services

    First-Time Homebuyer Programs

    Discover how much home you can afford throughout San Diego with pre-approval in 24 hours. Access FHA loans, conventional financing, and down payment assistance programs for Southern California first-time buyers.

    California Refinance Solutions

    Lower your monthly mortgage payment, reduce your interest rate, or access cash from your home equity. Our San Diego refinance experts compare 100+ lenders to find you Competitive Rates and terms in Southern California.

    Current Mortgage Rates

    View today's competitive mortgage rates for San Diego County and Southern California home loans. Compare fixed-rate, adjustable-rate, FHA, VA, and jumbo loan rates updated daily for local homebuyers and refinancers.

    Free Mortgage Consultation

    Get personalized answers to your California home loan questions from experienced San Diego mortgage advisors. We specialize in complex scenarios, self-employed borrowers, and unique financing needs throughout Southern California.

    California Home Loan Programs in San Diego County

    Access 100+ lenders offering conventional mortgages, FHA loans, VA financing, jumbo loans, and specialized programs for Southern California homebuyers. Whether you're purchasing your first home throughout San Diego County, refinancing to lower your rate, accessing home equity, or consolidating debt, our local mortgage advisors will find the perfect loan solution tailored to your financial goals.

    Conventional Loans

    Traditional fixed-rate and adjustable-rate mortgage options for California homebuyers. Access competitive interest rates from top lenders with flexible down payment options starting at 3%. Perfect for buyers with strong credit (620+) seeking to purchase or refinance homes in San Diego and throughout California.

    View Conventional Loans details

    VA Loans

    Exclusive 0% down payment home financing for veterans, active-duty military, and eligible spouses. VA loans offer competitive rates with no private mortgage insurance (PMI) required. Honor your service with the best California VA loan benefits available in San Diego and statewide.

    View VA Loans details

    Reverse Mortgage

    Convert your California home equity into tax-free retirement income with no monthly mortgage payments required. Available for homeowners age 62+ in San Diego and across California. Remain in your home while accessing cash for retirement, healthcare, or daily living expenses.

    View Reverse Mortgage details

    FHA Loans

    Government-backed mortgages designed for first-time homebuyers in California with low down payments as low as 3.5%. FHA loans accept credit scores starting at 580, making homeownership accessible for San Diego buyers with limited credit history or smaller down payment savings.

    View FHA Loans details

    Jumbo Loans

    High-value financing above San Diego County's $1,104,000 high-balance ceiling for the region's premium real estate market. Competitive rates and flexible terms for La Jolla, Del Mar, Coronado, Rancho Santa Fe, and other luxury California neighborhoods.

    View Jumbo Loans details

    Interactive Tools

    Mortgage Calculators

    Run the numbers instantly β€” adjust the sliders and see results update in real time.

    Payment Calculator

    $500,000
    20%
    5.94%

    Estimated Monthly Payment

    $2,382

    Refinance Savings

    $400,000
    7.00%
    5.94%

    Monthly Savings

    +$279

    $100,507 over 30 years

    Affordability Calculator

    $120,000
    $500
    $50,000
    5.94%

    You Could Afford Up To

    $788,867

    Max payment: $4,400/mo Β· DTI: 49%

    HELOAN vs HELOC

    $80,000
    7.50%
    8.75%

    HELOAN saves you more

    $106,183

    less total interest

    Need more advanced tools? Try our full Blended Rate and VA IRRRL calculators.

    Broker Advantage

    Why Mortgage Brokers Beat Big Banks

    An independent broker shops dozens of lenders on your behalf β€” so you get better rates, faster closings, and a true advocate.

    Interest Rates
    Broker: Access to 100+ lenders for the lowest rate
    Bank: Limited to their own products
    Turn Times
    Broker: Close in as little as 17 days
    Bank: 45–60 days is typical
    Flexibility
    Broker: Custom loan structures & creative solutions
    Bank: Rigid, one-size-fits-all programs
    Self-Employed
    Broker: Bank statement & asset-based options
    Bank: Strict W-2 / tax return requirements
    Service
    Broker: Personal advisor from start to close
    Bank: Handed off between departments

    About Omar Michel

    Serving his hometown of Tierrasanta, San Diego County, and throughout Southern California, Omar provides a holistic and comprehensive approach to help homebuyers and homeowners make better decisions, saving them both time and money. Mortgage planning is not just quoting rates. There is an art to engineering a loan structure that's designed specifically for each client's goals and objectives.

    With access to over 100 lenders serving the San Diego area and Southern California, and the collaboration with your sphere of influence, you and your clients will receive the best service, rates, and strategies tailored to the local real estate market.

    Omar Michel

    Independent Mortgage Broker

    NMLS ID# 398944

    CA DRE # 02131389

    www.nmlsconsumeraccess.org

    Licensed in CA and FL

    Equal Housing Opportunity
    Omar Michel - Independent Mortgage Broker

    Free Mortgage Resources

    Download expert guides to help you make smarter decisions β€” whether you're buying, refinancing, or self-employed.

    2025 First-Time Homebuyer Guide

    A step-by-step playbook covering pre-approval, loan options, and closing β€” tailored for the San Diego market.

    • βœ“Down payment options (0–3.5%)
    • βœ“Credit score requirements explained
    • βœ“San Diego neighborhood insights

    Refinance Savings Report

    See how much you could save by refinancing at today's rates with our easy-to-read comparison report.

    • βœ“Break-even analysis included
    • βœ“Cash-out vs. rate-and-term comparison
    • βœ“Current rate benchmarks

    Self-Employed Borrower Approval Checklist

    The exact documents and steps self-employed borrowers need to get approved β€” no guesswork.

    • βœ“Required tax documents list
    • βœ“Income calculation methods
    • βœ“Tips to strengthen your application

    Rate Drop Alerts

    Get notified when rates go down

    We'll only email you when rates drop. Unsubscribe anytime.

    Ready to Get Started?

    Contact us today for a free consultation. We're here to answer your questions and help you find the perfect mortgage solution.

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