Rates As Low As 2.74% Fixed Rate Mortgage CONFORMING LOAN AMOUNTS Learn More APR Personalized One On One Service Learn More Serving The San Diego Community Since 1998 Learn More
  • What I value most about Express Funding is the customer service. Since my first positive experience with them, I've used them for all of our future real estate purchases.

    Jason B. - Encinitas, CA
  • Brad Shoemaker and his staff are the types of professionals you want in your corner when making your important decisions on your home loan.

    Steve P. - San Marcos, CA
  • Brad at Express Funding is an exceptional mortgage broker. He is top shelf both in professionalism and getting the job done with the best possible mortgage rate.  His expertise surpasses any conventional bank employee.

    Kim T. - San Diego
  • Brad treated us with personal interest and made sure we got the absolute best loan at the best time with the maximum incentives.

    Alex H. - La Mesa, CA
  • A trustworthy mortgage broker with great rates. I have used Brad Shoemaker at Express Funding Mortgage Co. for my last 3 refinances. He offered better pricing than my credit union and the big banks.

    Michael - Ocean Beach, CA

Home Purchases

If you’re buying a home, call now to get a quote on some of the lowest interest rates for conforming loans up to $424,100, and high balance conforming up to $612,950. Call now!

Mortgage Refinances

Ready to save money by refinancing to a lower rate? Or want extra cash to remodel your kitchen or take a vacation? Call now to get a quote on the lowest conforming loan rates available!

Reverse Mortgages

If you or a loved one is age 62 or older and would like to tap into your home’s equity to pay for retirement, medical bills or to get access to extra cash – call us today for a free consultation.

Brad Shoemaker Express Funding


If this is your first time being introduced to Express Funding Mortgage Company then let me share with you some of our core beliefs when it comes to the mortgage business, and you can see if they match yours.

First, I believe that the main purpose of any business is to serve the customer, not in making profits. This is why at Express Funding Mortgage Company we pride ourselves on delivering the highest degree of customer service with each client we work with. We will call, text, and email you to keep you informed and involved throughout the entire loan process.

Second, I believe that the loan application process should be made as simple, easy, and transparent as possible. That’s why as a small local San Diego mortgage broker we believe that that our pricing and customer service are among the very best you’ll find in California.

Third, I believe in always doing business with integrity. Buying a home can be a stressful, and often complicated process and we’re here to help you get through it as painlessly as possible. We are always available to answer your questions and give you updates on the progress of your loan.

Fourth, we believe that doing business with small, local business is better for the economy and strengthens our community. By choosing to support a local business like ours when you spend your money, you ensure our local economy remains prosperous.

My team and I will work diligently to earn your business loyalty. We are committed to delivering you personal, one on one service that not only meets your expectations but far exceeds them.

I’m available to you if you have any questions that need to be answered. Should you ever find the need, please give me a call. We offer a free one-on-one consultation where you can request any information that you may require. I hope you’ll invite me to assist you with all of your mortgage loan needs.


Brad Shoemaker Signature

Brad Shoemaker
President, Express Funding Mortgage Company
(858) 259-3980
CA DRE Lic# 01206209
NMLS# 325048

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