
Buy or Sell in San Diego —
Backed by an In-House Mortgage Broker.
White Water Real Estate Group is a San Diego brokerage built alongside Cascada Mortgage Advisors, Inc. — a licensed mortgage broker with access to 100+ wholesale lenders. One team coordinates both sides of the deal, so you get faster pre-approvals, loan options matched to your needs, and closings that hit the date on the contract.
Cascada Mortgage Advisors, Inc. is a licensed mortgage broker, NMLS #398944. Not a direct lender. Loan approval subject to credit and underwriting review.
Tell us what you're looking for
A local agent will reach out within one business day.
One team. One process. Real estate and financing under the same roof.
Most San Diego deals fall apart for the same reason: the listing agent, the buyer's agent, and the mortgage broker are three separate teams playing telephone. We removed that gap. When you work with White Water, your agent and your mortgage broker are already in the same room — and that broker shops your loan across 100+ wholesale lenders to find the right fit.
From VA loan specialists and FHA loans for first-time buyers to jumbo financing for coastal properties and DSCR loans for investors, we match the mortgage program to the property — not the other way around.
Faster Pre-Approvals
Broker-issued, underwriter-reviewed pre-approvals in 24 hours so your offers stand up in multiple-offer scenarios.
One Point of Contact
No handoffs between the real estate agent and the mortgage broker. Same team, same calendar, same texts.
Local San Diego Expertise
Coastal, mesa, urban, and South Bay — we work every submarket, not just one zip.
Choose your path
Buying a Home
From your first pre-approval to keys in hand. Coastal, mesa, urban, military relocations — we've closed it.
Start a Buyer SearchSelling a Home
Concierge prep, strategic pricing, and a buyer pool that's often already pre-approved through Cascada's broker team.
Get a Home ValuationRelocating to San Diego
PCS moves, out-of-state job transfers, bilingual support. We'll land you in the right neighborhood, on schedule.
Plan Your RelocationSearch Available Homes
Browse current listings across San Diego, La Jolla, North Park, Bay Park, Chula Vista, and Tierrasanta — updated daily from the MLS.
Search ListingsMeet your San Diego real estate and mortgage expert — with more agents joining the White Water team soon.
Omar Michel
With 15+ years of experience in San Diego real estate and mortgage financing, Omar brings a rare combination of real estate and lending expertise under one roof. Whether you're buying, selling, or financing, Omar and the White Water team are here to guide you every step of the way.
What Our Clients Say
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
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
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
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 — 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
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 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!
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
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
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
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 — 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
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 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!
Where we work in San Diego
In-depth guides coming soon for each community we cover. Tap any neighborhood to register interest and we'll send the guide first.
Tierrasanta
Family-friendly, master-planned community ringed by canyons and Mission Trails open space. Strong schools, mid-century single-family stock, and a tight-knit feel just minutes from MCAS Miramar.
La Jolla
Bluff-top estates, walkable village, and some of San Diego's most coveted ocean-view real estate.
North Park
Historic bungalows, walkable cafés, and a creative-class urban energy in the heart of the city.
Bay Park
Hillside ranchers with Mission Bay views, quietly one of the city's most underrated mid-priced enclaves.
Chula Vista
Newer master-planned communities, strong rental fundamentals, and meaningfully more square footage per dollar.
Search San Diego Homes
Browse active listings across San Diego County powered by CRMLS
Listing data provided by CRMLS. All listings are subject to prior sale, change, or withdrawal.
Ready to make your move?
Send us a note or book a 15-minute intro call. We'll talk through your timeline, your goals, and what San Diego looks like for your budget today.
Ask your agent about seller-paid buydowns — calculate the cost →
Quick Answer
What is White Water Real Estate Group?
White Water Real Estate Group is the San Diego real estate division and DBA of Cascada Mortgage Advisors, Inc. (NMLS #2470941, CA DRE #02206556), founded by Omar Michel (NMLS #398944, CA DRE #02131389), who serves as responsible broker for both the real estate and mortgage sides. The team represents buyers and sellers in San Diego neighborhoods including La Jolla, North Park, Bay Park, Chula Vista, and Tierrasanta, with live CRMLS listing search on this page. Financing is brokered in-house through Cascada Mortgage Advisors, Inc., which is a licensed mortgage broker and not a direct lender, arranging loans through a network of 100+ wholesale lenders. Buying, selling, and loan brokering are handled by one team under one license, and service is available in English and Spanish.
— Cascada Mortgage Advisors, Inc.