Loan Officer

NMLS# 282686

Licensed In California

(619) 726-6827

(619) 726-6827

(619) 342-9710


9095 Rio San Diego Drive Suite 150, San Diego, CA 92108

Oscar is your mortgage loan originator, who works side by side with a strong team that shares the same devotion to excellence.

Experienced, knowledgeable, and always up to date on the industry's latest products, Oscar strives to exceed the customers' expectations in each and every transaction.

Whether it's time for you to:

  • Purchase your first home
  • Purchase your next home or a second home
  • Purchase and investment property
  • Refinance an existing mortgage

Oscar has the know-how to find the perfect product for you!

Call today or click on the link below to get started!

Application Documentation Checklist


Judy B.

September 10, 2018
Our clients realized their previous lender could not deliver what was promised and made the wise choice to have Oscar take over. Oscar always kept us informed and made sure to over explain. We had some unforeseen hiccups (at no fault on Oscar's side) and it seemed impossible to get this transaction done. Fortunately Oscar has the expertise needed to look outside the box and he found a solution! He educated our clients on what to do and made sure it got done. We still cannot believe it!
Jeff S.

August 30, 2018
I was extremely please with how polite, friendly and professional Oscar was to work with. He made the whole process of refinancing easy. He kept us updated throughout the process and was very accessible if we had any questions. I would highly recommend him. Thank you Oscar!
denise a.

August 17, 2018
I believe that South Pacific has well experience employees that know their stuff. They do there best to get things done at a fast pace. Great referrals as well
Maria F.

July 31, 2018
It was amazing working with Oscar and his team. There were a few obstacIes along the way. Oscar was always positive and ready to find solutions. Oscar, I appreciate your positive outlook. You gave me a brand new perspective on how to view problems. They’re truly blessings in disguise. Other lenders would have given up on my client, yet you gave my client grace and guidance. I’m grateful for your support. It was tough, but well worth it. My client is now a first time home buyer!!
Linda H.

July 27, 2018
My expierience with Oscar and his team was fabulous! Oscar explained what steps had to be done to get to my goal which was to purchase my own home. Starting with repairing my credit, paying off debt to searching for my perfect home Oscar and his team were there every step of the way. If I had a question a doubt he was there to answer. Eventhough, we had hicups along the way with Oscar's patience and hard work we got through it. I'm thrilled to say I have purchased my FIRST home. Thank you!!
Katie R.

July 19, 2018
He was able to take over from another lender and fix the issues that other lender had caused and still kept our closing on time, even early
Laura M.

July 16, 2018
Oscar is the most professional and kind-hearted person! I instantly felt at ease in a very nerve-wracking process. He calmed my nerves by breaking everything down...he is very detail-oriented and was always available to quickly answer my questions. This was such a smooth and easy process and it was because of Oscar and his team. I highly recommend them! :)
Leslie D.

July 10, 2018
Great transaction with Oscar, extremely responsive, we were able to get the buyer pre approved quick after a thorough in person consultation with my self (the agent), Oscar and the Buyer. The Buyer was thrilled when we could even close early because Oscar’s Team processed the loan so well! Excellent job!
Fabiola P.

July 10, 2018
Not only a very professional and ethical Person , but a great human being . he will take care of you and guide you all the way, always with a beautiful smile and a great sense of humor . Someone that knows how to create and maintain a great relationship . making the process easy , faster and going beyond your expectations . Thank you for your time and care . Very happy with your service and definitely will refer you !!!!!!
Cory P.

June 27, 2018
Oscar is very professional in all aspects of my dealings with him . He was on top of things , goes way beyond his scope of responsibility to help me get my loan ! He was very positive in every aspect and always reassuring ! there was a time that I would already had already given up and stopped the process but he was there reassuring me in every way that everything will work out for me ! Thank you Oscar for making it all work out in the end !!!

June 25, 2018
Oscar’s demeanor is welcoming and professional and he makes sure to back that up with his actions. Oscar is very informative and very accessible to any questions we had. I wouldn’t do business with anyone else when it came to our loan, simply because I trusted his expertise and work ethic. I knew Oscar would be the guy that could get the job done and he did! I highly recommend putting your trust in Oscar’s hands. Thank you, Oscar! It was a pleasure doing business with you!
Muna K.

June 25, 2018
Working with Oscar truly is a blessing as he is always on top of everything! He over communicates so that I always know where we are in the transaction. He is always easy to get ahold of and makes himself readily available to tackle anything I need. Thank you for giving me and my clients quality service!
Patricia R.

June 20, 2018
Hi is on top of all details to make the transaction successful, Oscar has an excellent team and I am so happy to work with him again. and besides he speaks excellent English very convenient for Spanish speaking clients so they can understand the process that they are going through better Thanks Oscar.

June 05, 2018
I would like to say just one line is that he is the best
John L.

May 04, 2018
Great communication and prompt service
Jamal H.

May 04, 2018
The amount of work and dedication to his clients is unmatched by any other mortgage broker. He goes above and beyond to connect with his clients. He is meticulous and takes the time to explain the process so you feel comfortable with your decision. You would want him by your side on your next purchase. That I can guarantee!
Fabian B.

May 04, 2018
Amazing communication and great service
Christine M.

May 04, 2018
Oscar is always available for all support during a transaction or supporting before a transaction. His advice is honest and trustworthy. This is a lender you want to be working with !!

March 17, 2018
It was a difficult transaction, and Oscar not only was able to accomplish it, but he was able to close in 22 days.
Derek L.

March 14, 2018
Very responsive, always in communication making sure we were on the same page, and very professional! He is an asset to any transaction he is working.
Adam B.

February 03, 2018
Oscar is one hell of a guy! The first time I met him I knew right from that moment he was passionate about what he does. As a new agent Iâ??m very fortunate to have met him. Oscar stays in touch with me and is always available when I need him. I canâ??t wait to do more business with him in the near future. Thanks Oscar!
Isela B.

January 17, 2018
I have worked in the real estate business for several years, Oscar is always my go-to lender. He is very professional, detail oriented, funny, and I never have to worry about my clients and they love him so they end up up building friendships. He always takes care of them. Always going beyond the moon for my clients! I am very grateful to have a lender at reach I can trust.
Muna K.

August 07, 2017
Oscar works extremely hard to communicate effectively and thoroughly. He has made himself available to me and my buyers at all times. He also ass a tremendous amount of value to the agents he works with. I can't say thank you enough to all of Oscar's hard work! He truly is a wonderful professional in this business.
Hazel R.

July 13, 2017
Oscar is great! I love how he knows the importance of communication in this business and he responds to all my emails and text pretty quick! He is also great when working with my clients and is very professional and knows his stuff!
Ivan N.

May 16, 2017
What made it Great is that the minute you step into their office you know you are in the right hands being guided by a seasoned, experience, and up to date loan originator. In addition Oscar has such a great work ethic and respect for the Industry and etiquette that is very challenging to find nowadays in the lending industry. Would definitely recommend Oscar and his team for your next Purchase, refinance and lending advice.
Patricia V.

May 11, 2017
Oscar works extremely fast at contacting my clients and following through. He has a great understanding of the loan programs, and that is what I look for in a loan officer. Also his team in the office is so important, and Oscar has a great team.
Heather B.

May 10, 2017
I have been working with Oscar for many years and have assisted his clients with their homeowners insurance needs. Oscar is very easy to communicate with and is an expert at his craft of over 20 years. He is always very responsive and professional. Our team really pleased with Oscar and the service he provides our TEAM!
Felipe V.

May 10, 2017
Oscar is a consummate professional in all ways. He made the process very easy for me, and he made sure I was comfortable every step of the way. Overall, great service experience!
Gretza R.

May 08, 2017
True professional. from the beginning, he informed both me and my clients what we could expect from him and what he expected from us. Communicated with us often and followed up as expected. Oscar and his team were ready to close in time and we'll in advance of expected close of escrow. Oscar makes himself available at all times not only while working on a transaction but also prospecting and marketing. Thank you Oscar
Lita L.

May 08, 2017
Oscar and his team are amazing at communication and being professionals. I really appreciate Oscar's proactive nature and positive attitude. He's always a great support even through the tougher challenges. Thank you Oscar!!!
Elizabeth L.

May 08, 2017
Oscar and his team did an amazing job getting my clients to the finish line! They always respond quickly to phone calls, text and emails. They thoroughly qualify their borrowers, they work very hard to make sure that their Clients are well taken care of and receive the best customers service! The communication was excellent! I would highly recommend Oscar and his team!
Serri R.

May 08, 2017
As a Real Estate agent, I have all good things to say about Oscar and his team. They have a wonderful system in place to update all parties involved and they work quickly to make for a smooth transaction for all!
Matt T.

May 08, 2017
Oscar Gastelum is the most professional and kind person I have ever encountered!! All it takes is a minute of his time to know that he is the real deal!! Thank you Oscar for you have done to make my life so much better!!!!
Wisam M.

May 08, 2017
Oscar is very professional and is always prompt about getting back to me. The entire experience was made much easier because of his knowledge.
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