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Who is Cascada Mortgage Advisors, Inc.?
Cascada Mortgage Advisors, Inc. is a licensed independent mortgage brokerage — not a direct lender — 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 San Diego County and California 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.
— Cascada Mortgage Advisors, Inc.
What Our Clients Say
Lycia Cardoso
4 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!
Patrick Yrigoyen
8 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!
Iris Urvina
8 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!
Amy Genao
10 months 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!
Jorge Zambada
8 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.
Lycia Cardoso
4 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!
Patrick Yrigoyen
8 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!
Iris Urvina
8 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!
Amy Genao
10 months 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!
Jorge Zambada
8 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.
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
Non-QM Loans
Alternative home financing for self-employed borrowers, business owners, and unique income situations in California. Non-QM mortgages offer flexible documentation using bank statements, DSCR, or asset verification instead of traditional tax returns.
View Non-QM Loans details
Jumbo Loans
High-value financing above the $1,209,750 high-balance ceiling for San Diego'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
Mortgage Calculators
Run the numbers instantly — adjust the sliders and see results update in real time.
Payment Calculator
Estimated Monthly Payment
$2,382
Refinance Savings
Monthly Savings
+$279
$100,507 over 30 years
Affordability Calculator
You Could Afford Up To
$788,867
Max payment: $4,400/mo · DTI: 49%
HELOAN vs HELOC
HELOAN saves you more
$106,183
less total interest
Need more advanced tools? Try our full Blended Rate and VA IRRRL calculators.
Why Mortgage Brokers Beat Big Banks
An independent broker shops dozens of lenders on your behalf — so you get better rates, faster closings, and a true advocate.
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.orgLicensed in CA and FL


Free Mortgage Resources
Download expert guides to help you make smarter decisions — 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 — tailored for the San Diego market.
- ✓Down payment options (0–3.5%)
- ✓Credit score requirements explained
- ✓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.
- ✓Break-even analysis included
- ✓Cash-out vs. rate-and-term comparison
- ✓Current rate benchmarks
Self-Employed Borrower Approval Checklist
The exact documents and steps self-employed borrowers need to get approved — no guesswork.
- ✓Required tax documents list
- ✓Income calculation methods
- ✓Tips to strengthen your application
Rate Drop Alerts
Get notified when rates go down
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.