Hyde Funding is a boutique San Diego mortgage advisory firm. One broker. Direct lender access. Personal service on every file from application to keys-in-hand. No call centers. No middlemen. No "loan officer of the week."
Hyde Funding specializes in the loans that matter most to San Diego buyers, but that most lenders fumble:
If a national lender's underwriter has ever told you "we can't do that," there's a strong chance Hyde Funding can. The boutique model means access to dozens of wholesale lenders, each with their own niche programs and overlay flexibility.
Hyde Funding is built around three communities that mainstream lenders consistently underserve:
Military families. San Diego is home to over 250,000 active-duty service members. From Camp Pendleton Marines to NAS North Island Navy aviators to NSW SEALs based at Coronado, Steven has structured VA loans across every price point in the county. VA San Diego, VA Oceanside, and VA Coronado resource pages are designed specifically for military buyers.
Real estate investors. Whether you're buying your first rental, scaling a portfolio with DSCR loans, or financing a flip with hard money, Steven works directly with investor-friendly lenders who understand cash flow underwriting and rapid timelines.
Self-employed buyers. If you're a business owner, freelancer, contractor, or commission earner, traditional W-2 underwriting often gives you a worse deal than you deserve. Bank statement loans, P&L-only loans, and asset-based qualification routes mean self-employed buyers can finance the homes their actual income supports.
NMLS #391380
Steven Hyde has spent over 15 years in mortgage lending after building his career at the intersection of technology, business, and finance. His professional background spans real estate, e-commerce, and lending technology — an unusual combination that translates into a uniquely analytical approach to structuring loans.
Steven is bilingual in English and Spanish and works with Hispanic borrowers across San Diego County. The Hyde Funding mortgage application is available in both languages.
His advising philosophy is simple: educate first, execute second. Most borrowers come to a lender knowing they need a loan but unsure which program fits their situation. Steven walks every client through the comparison — VA vs conventional, DSCR vs full-doc, fixed vs ARM — before recommending an approach. The result is borrowers who actually understand their loan, not just borrowers who signed paperwork.
Steven also operates with full fee transparency: no upfront costs, no hidden lender fees. Every cost is itemized on the Loan Estimate within 3 days of application, exactly as required by federal regulation but rarely delivered with this level of clarity.
University of Southern California
B.S. Urban Planning, 1997
Columbia University
B.A., Certificate of Programming, 2000
Most mortgage companies are built for volume. They process thousands of files per month using rotating loan officers, offshore processing teams, and rigid program guidelines that require borrowers to fit the underwriting box exactly.
Hyde Funding is built differently. The entire model centers on Steven personally handling each file from start to finish. That means:
This model isn't right for every borrower. If you want a 15-minute online application and a name you'll never speak to twice, larger national lenders will work fine. If you want someone who actually answers the phone, knows your file, and treats your transaction like it matters — Hyde Funding is built for that.
Hyde Funding is headquartered on Miramar Road in San Diego, minutes from MCAS Miramar:
8996 Miramar Rd. Suite 250
San Diego, CA 92126
(858) 775-1005
steven@hydefunding.com
Ready to start? Submit a free consultation request through the contact page, or begin a formal application at hyde.my1003app.com. Spanish application available here.
Hyde Funding is a private mortgage broker. Hyde Funding is not affiliated with the U.S. Department of Veterans Affairs. NMLS #391380. Equal Housing Opportunity.
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“Steve did it again as expected. He got me a loan quickly, easily and at a competitive rate. What more could you ask for? I am a real estate professional and work with Steve on all of my residential investments. I simply won’t work with any one else because I know Steve will get me the best deal with least amount of hassle.”
“Steve was wonderful from day 1. We bombarded him with questions/calls at all times and he was always very friendly, professional and patient. Most importantly, after our extensive shopping around, he was able to offer us the best deal.”
“Steven is a dream to work with. Fast, efficient, detail orientated, trustworthy, has wonderful support staff and is great with communication. We were first time home buyers and were clueless as to what was needed. He got us the best rate for our loan. He walked us through the entire process and was always available by phone or email when we had a question. He made us so comfortable with our purchase and is a person that genuinely cares. He was able to complete the process on a short deadline which we appreciated. We would definitely work with him again and would recommend him to anyone. Thank you for your hard work Steven!”
“In the world of real estate, emotions can flare. Steven was helpful and calm and handled the process well. I would recommend him highly. The only issues were the holidays and getting the loan done but it funally funded.”
“My husband and I worked with Steven to purchase our first home. We had a ton of questions and he had the patience to always answer everything in the clearest and friendliest of ways. We really did our homework and Steven was the best offer we could find. Hands down, He made our process smooth and we are now happy in our home.”