Place Your Trust In Us
Choose Peter For Your Home Loan Financing
Experience
Brining over 24 years of experience to every mortgage project, Peter knows the ins and outs of the industry. He is here to guide you every step of the way. Let Peter's experience work for you!
Expertise
Peter's expertise in all things mortgage allows him to navigate the complexities of the industry with ease. He'll provide you with knowledgeable guidance and top-quality service. Trust us to help bring your dream home into reality!
5 Star Service
Peter and Lend18 offer personalized service tailored to your unique goals. Whether you're buying your first home or refinancing your castle, he's here to guide you every step of the way. Honesty, transparency, and a wealth of knowledge are the pillars of his service.
"I had the pleasure of working with Peter"
It was quite a hard transaction because the seller had lost two previous buyers and was not really willing to budge on price. Peter offered the advice to me to submit a 21 day escrow for our client. It worked so well that the seller was willing to take a little less than asking! Because of this, the client got the home! Stellar work from his team! Highly recommend.
"Peter was so friendly and helpful"
He was very knowledgeable and we always felt he had our best interests at heart. He went out of his way to explain things to us and made sure we had a comfortable understanding of the terms before signing any papers. He and his team did a phenomenal job to process our loan in record time. We would definitely recommend him to family and friends!
"Peter was great to work with!"
Peter did a lot of 'hand holding' during my refinancing process; he was kind, very patient and took the time to explain the various steps to me. So appreciative of his efforts!
Peter Lama
With over 24 years of unwavering dedication as a Mortgage Loan Officer, Peter brings a wealth of experience and a commitment to excellence that sets him apart in the industry.
As the visionary leader of Lend18, Peter is not just a Mortgage Loan Officer, he's a family man who values the importance of community and connection. Beyond the world of mortgages, you'll find him coaching his kids and cherishing moments with his beloved wife, Erica, and family. Peter understands that a home is not just a place; it's the heart of a family, and he approaches every transaction with that sentiment in mind.
Away from the office, you might find Peter on the golf course, a place where precision, strategy, and focus align seamlessly – qualities that also define his approach to mortgage lending. Just as in golf, where each swing counts, Peter recognizes that every mortgage decision matters.
At Lend18, we believe in providing more than just loans; we offer a partnership rooted in trust and expertise. Peter Lama's leadership ensures that your mortgage experience is not just seamless but also personalized to your unique needs. Join us in making your homeownership dreams a reality, guided by a Mortgage Loan Officer who values family, community, and your financial well-being.
Thank you Peter for doing your best on my loan. Peter is very responsive and gives high-quality service. He goes the extra mile to get it done for his clients trying to find a home. He came highly recommended to us from my realtor.
- Jonathan G
Here Are A Few Of The Mortgage Options We Offer
Peter's Premier Mortgage Solutions
First Time Home Buyer
Embarking on your inaugural home purchase is a blend of enthusiasm and complexity. A multitude of factors demands your attention: selecting the right loan, determining the ideal down payment, and accounting for closing expenses.
Jumbo Home
Elevate your lifestyle with our Jumbo Home Loan—an exclusive financing solution crafted for those pursuing grand residences and upscale properties, unlocking the doors to extraordinary living.
FHA
Whether you're stepping into homeownership for the first time or navigating financing concerns, an FHA loan provides uncomplicated and flexible solutions.
Hard Money Loans
A hard money loan is a short-term financial arrangement that typically requires the borrower to use an asset, such as a home, as security to obtain the loan.
Self Employed Borrowers
We specialize in helping those who are self employed get a home loan. If you own 25% or more of your own business, you will be categorized as self employed.
Manufactured/Mobile Housing
Manufactured housing loans are designed to facilitate the purchase or refinancing of homes built off-site. These loans are specifically tailored for manufactured and mobile homes.
Renovation Home Loan Options
Explore our diverse range of renovation financing options, which can encompass everything from kitchen and bathroom upgrades to structural repairs and energy-efficient enhancements.
VA Home Loan
If you're an eligible active-duty military member or veteran, a VA loan is an excellent choice for you. These loans generally feature more lenient financial criteria compared to conventional loans.
Bank Statement Loans
Bank statement loans, categorized as non-qualified mortgages, enable qualification through bank statements rather than tax returns.
Peter made a commitment to retain us as a client and went above and beyond to match the most competitive offers on refinancing at the lowest possible interest rate with the best possible deal on closing costs as well. We could not be happier and would recommend Peter highly for anyone exploring a home loan for a new purchase, refinance, or home renovation.
- Merrick M
Interested In Learning More? Check Out Peter's Blog!
One of the most important factors lenders consider is your debt-to-income ratio (DTI). This article will explain what DTI is, how to calculate it, and why it matters for securing your dream home.
We all know the housing market has shifted. Rising interest rates and inflation can feel like a hurdle for your homeownership dreams. But here at Lend18, we want to assure you: there's still a path to homeownership, and it can be an exciting one!
A New Market: How Mortgages and Real Estate Have Changed Since 2008 
Discover the advantages of opting for mortgage brokers over retail banks, including greater flexibility with DTI ratios and credit scores, for your home buying journey with Lend18.
Unlock the potential of your home equity with reverse mortgages. Explore how they work, who qualifies, and the benefits and considerations for homeowners.
Uncover the reasons behind San Diego's soaring home prices with Lend18. Learn why these figures are likely to stay elevated for the foreseeable future.
Dive into the intricacies of Adjustable Rate Mortgages (ARM) in 2024. Explore the latest trends, how rates are determined, and what potential borrowers should consider.
Explore the differences between a HELOC and a HELOAN in San Diego's dynamic market. Understand the benefits and considerations of adjustable versus fixed rates to make an informed decision for your home equity financing needs.
Choose Peter Lama for Your Home Loan Financing Needs: A Lend18 Guide
Unlocking the Benefits of 3-2-1 Buydowns: A Guide for Homebuyers
Have A Question? Contact Us!
Phone: (949) 254 - 9356
Email: plama@lend18.com
Address: 275 E Douglas St. Suite 114, El Cajon, CA 92019
NMLS #995301
Lend18 NMLS #1702439
Equal Housing Opportunity Lender. Figures deemed reliable, but errors may occur. Rates and terms subject to change without notice. This is not an offer to make a loan or to make a loan on any particular terms. All loan applicants must qualify under the underwriting requirements and satisfy all contingencies of loan approval.
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