peter lama headshot

Peter Lama:

President, MLO, Real Estate Broker

NMLS# 995301

Navigating Homeownership. San Diego's Local Mortgage Expert, Peter Lama

Welcome to Lend18 with President, Peter Lama. Rely on our expertise to deliver personalized financing solutions, enabling you to transform your visions of homeownership into tangible reality.

Quick Qualification

Place Your Trust In Us

A linkedin logo with a shadow on a white background
The word redfin is on a white background.
A black and white logo for zillow on a white background.
A close up of a google logo on a white background.

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.

Quick Qualification
A family is sitting on a rock on the beach.
A row of gold stars on a white background.

"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.

A row of gold stars on a white background.

"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!

A row of gold stars on a white background.

"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!

Check Out What Peter Has To Offer

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.

quotesArtboard 1 copy 2

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

A house and a dollar sign with arrows pointing in opposite directions.

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.

A black and white icon of a house with a birdhouse on the roof.

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.

A black and white icon of a house with a graph inside of it.

FHA

Whether you're stepping into homeownership for the first time or navigating financing concerns, an FHA loan provides uncomplicated and flexible solutions.

A black and white icon of a bag of money with a dollar sign on it.

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.

A house and a dollar sign with arrows pointing in opposite directions.

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.

A hand is holding a house free icon

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.

A black and white silhouette of a wheelbarrow filled with bricks.

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.

A house with two dog tags hanging from the roof.

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.

A hand is holding a house with a dollar sign on it.

Bank Statement Loans

Bank statement loans, categorized as non-qualified mortgages, enable qualification through bank statements rather than tax returns.

quotesArtboard 1 copy 2

 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

MORTGAGE CALCULATOR

$
$
%
%
See Today's Rates

MONTHLY PAYMENT BREAKDOWN

$
+
$
+
$
+
$
Calculate

Interested In Learning More? Check Out Peter's Blog!

Peter Lama from Lend18 is holding a stopwatch in front of a credit card and money.
By Peter Lama 22 Apr, 2024
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.
peter lama from lend18 is sitting on the beach with his hands on his head.
By Peter Lama 15 Apr, 2024
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!
Peter Lama from Lend18 based in San Diego, CA is carrying a box on his back label
By Peter Lama 08 Apr, 2024
A New Market: How Mortgages and Real Estate Have Changed Since 2008 
Peter Lama from Lend18 is drawing a graph on a glass wall with a marker.
By Peter Lama 01 Apr, 2024
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.
A man is handing a woman a set of keys. lend18 peter lama reverse mortgages
By Peter Lama 25 Mar, 2024
Unlock the potential of your home equity with reverse mortgages. Explore how they work, who qualifies, and the benefits and considerations for homeowners.
a large white house with a wooden roof is surrounded by trees and bushes. peter lama lend18 mortgage
By Peter Lama 18 Mar, 2024
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.
a row of houses with trees in front of them adjustable-rate-mortgages-2024 peter lama lend18
By Peter Lama 11 Mar, 2024
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.
a man and a woman are painting a wall together .heloc-vs-heloan-san-diego
By Peter Lama 04 Mar, 2024
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.
a man in a suit is standing in front of a city skyline peter lama lend18 mortgage broker real estate
By Peter Lama 26 Feb, 2024
Choose Peter Lama for Your Home Loan Financing Needs: A Lend18 Guide
a calculator is sitting on top of a pile of money . peter lama lend18 mortgage buydown real estate
By Bill Brush 20 Feb, 2024
Unlocking the Benefits of 3-2-1 Buydowns: A Guide for Homebuyers

Have A Question? Contact Us!

See our privacy policy here.

Phone: (949) 254 - 9356

Email: plama@lend18.com

Address: 275 E Douglas St. Suite 114, El Cajon, CA 92019

Share by: