Roger Tso

Roger Tso

Loan Officer

NMLS# 284411 | DRE# 01024734

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858.442.6366
[email protected]
11234 El Camino Real, San Diego, CA 92130

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I’m a thoughtful mortgage lender whom people trust to research and secure their most favorable home financing options. I’ve worked with first-time homeowners who needed assistance navigating the complexities of securing a mortgage. Nothing is more satisfying than helping that new home buyer receive the keys to their first home. With many satisfied clients, I have helped them move-up to a larger home as their family grew as well as find the perfect empty nester house as their children move out. And after raising a family, I love to see that job well-done look on my clients’ faces when they buy a vacation home. For any mortgage need you do have, I can help research, recommend options and provide you with the best financial options to get that mortgage.

Serving: AZ, CA, CO, NV, TX & WA

Resource & Guides

Get Pre-Approved

Wondering how much home you can afford? Getting pre-approved for your next home loan gives you a clear picture of your buying power before you start shopping. It helps you set realistic expectations, target the right price range, and make stronger offers when you find the home you love. Pre-approval also gives you an advantage in competitive markets, showing sellers that you’re a serious and prepared buyer.

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Refinance Your Home

Refinancing your home can be a smart way to reach new financial goals, whether you’re looking to lower your monthly payment, shorten your loan term, or access your home’s equity for cash. Life changes, and your mortgage should be able to change with it. By reviewing your current rate and exploring today’s programs, you could save money, build equity faster, or create extra flexibility in your budget. Let’s explore your refinancing options and find the best fit for your needs and long-term plans.

Simplify My Finances

Down Payment Assistance

Buying a home can feel overwhelming, especially when it comes to the upfront costs. The good news is that there may be down payment assistance programs designed to help, and many people do not even realize they qualify. Taking a moment to explore your options could make a big difference in how soon you are able to buy. See what help is available and take a simple step toward homeownership.

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Hero Promotion

We’re proud to offer $650 in closing cost savings to honor the service and dedication of our community heroes. Whether you serve in education, healthcare, public safety, or the military, this exclusive offer helps make homeownership more affordable.

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Start Smart

Share a quick snapshot of your budget and goals, and your loan advisor will set clear process expectations.

Get Pre-Approved

Apply online, upload documents, and after review and verification, receive a pre-approval letter to strengthen offers.

Finish Strong

Once your offer is accepted, we streamline underwriting to closing, then you sign and get your keys.

Meet My Team

We make it happen by combining our expertise, dedication, and personalized approach to ensure your dream home becomes a reality.

Jennifer Ludwig

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I am authorized to do business in the states of Arizona, California, Colorado, Nevada, Texas, and Washington. AZ Mortgage Banker Lic# 284411; AZ Branch Lic. #0947596; RWM Home Loans AZ Lic. #0947596; Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act 

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