Your Trusted Mortgage Expert in San Diego County
With over 20 years of experience and a passion for helping families across California, Celina guides you through every step of your home financing journey — with expertise, integrity, and heart. Bilingual: English & Spanish.
About Celina
With more than two decades in the mortgage industry, Celina Tominna has built a career on a simple but powerful foundation: treating every client like family. She serves borrowers throughout California with the dedication and care that only comes from truly loving what you do.
Celina is fully bilingual in English and Spanish, allowing her to bridge communication gaps and ensure every client — regardless of background — feels heard, understood, and empowered throughout the home financing process.
"I believe success comes from doing what you love and offering it to others. I'm fortunate to do exactly that — helping families achieve the dream of homeownership every single day."
Whether you're a first-time homebuyer navigating the process for the first time, a seasoned investor exploring DSCR financing, or a foreign national looking for options in the U.S. market, Celina has the knowledge and experience to find the right solution for you.
Every loan is personal. Celina takes time to understand your unique financial picture and goals before recommending a path forward — no cookie-cutter solutions here.
Experience matters in mortgage. Celina has navigated every market cycle, ensuring she's prepared for whatever challenges arise in your transaction.
No surprises, no hidden fees — just clear, honest communication from application to closing. You'll always know where you stand.
Serving the diverse communities of San Diego County in both English and Spanish, ensuring the home financing process is accessible to everyone.
Loan Programs
From first-time buyers to experienced investors, Celina offers a wide range of financing programs tailored to your unique situation.
Ideal for first-time buyers or those with less-than-perfect credit. Low down payment options backed by the Federal Housing Administration.
Low Down PaymentExclusive benefits for eligible veterans, active-duty service members, and surviving spouses — including zero down payment options.
For VeteransFlexible terms and competitive rates for borrowers with solid credit and stable income. Available for primary homes, second homes, and investment properties.
Most FlexibleDebt Service Coverage Ratio loans for real estate investors — qualify based on rental income potential rather than personal income.
For InvestorsSpecialized financing solutions for non-U.S. citizens looking to purchase property in California. Celina navigates the complexities with ease.
International BuyersBank Statement, 1099, Profit & Loss, and ITIN programs for self-employed borrowers, contractors, and ITIN holders who don't fit traditional lending boxes.
Alternative IncomeFinancing for high-value properties above conventional loan limits. Competitive rates and terms for luxury and premium San Diego properties.
High-Value HomesClient Stories
Real experiences from real families Celina has helped achieve their homeownership goals.
"Celina made buying our first home feel less overwhelming than we ever imagined. She explained everything in Spanish and made sure we understood every step. We couldn't have done it without her!"
"As a veteran, I wasn't sure what my VA benefits covered. Celina walked me through everything, got us into our dream home with zero down, and closed in under 30 days. Absolutely incredible."
"I was a foreign national trying to invest in San Diego real estate — a complicated situation. Celina knew exactly what to do and made it happen smoothly. She's the best in the business."
Mortgage Tips
Quick insights to help you make confident decisions on your home financing journey.
Interest rates can shift daily. Once you're under contract, talk to Celina about locking your rate so you're protected from market swings before closing. Even a small rate move can add hundreds to your monthly payment.
San Diego has many condo and planned communities with HOA fees ranging from $200 to $800+ per month. Lenders count these toward your debt-to-income ratio, so include them early when calculating what you can afford.
Lenders typically require two years of personal tax returns to verify income — especially for self-employed borrowers. Having them organized and ready upfront speeds up processing and reduces stress during escrow.
Tips updated monthly · Last updated September 2026