San Diego, CA NMLS #2808588

Find the Right Mortgage. Not Just a Loan.

Whether you're buying your first home, upgrading to your next, refinancing, or investing in real estate, the right mortgage should support your financial goals—not limit them.

ConventionalFHAVAJumboUSDANon-QMDSCRBank StatementAsset DepletionHELOCSecond Mortgages
Flagstick Financial — San Diego, CA

At Flagstick Financial, we take a strategy-first approach to lending.

With nearly 20 years of mortgage experience and access to a network of trusted wholesale lending partners, we help you compare financing options and build a loan strategy that's tailored to your situation—not a one-size-fits-all solution.

From straightforward purchases to complex income scenarios, we're here to simplify the process, explain every option, and guide you with confidence from application to closing.

  • Nearly 20 Years Mortgage Experience
  • Multiple Wholesale Lending Partners
  • Personalized Mortgage Strategies
  • First-Time Buyers to Seasoned Investors
  • Clear Communication From Start to Finish
  • Local Expertise. Statewide Service.

From the Blog

Plain-language guidance on financing in San Diego and across California.

The Flagstick Approach

01

Read the Course

We take the time to understand your financial goals before recommending a mortgage strategy.

02

Choose the Right Club

With access to multiple lenders and a wide range of loan programs, we help you find the financing solution that best fits your situation.

03

Aim for the Pin

From application to closing, you'll receive proactive communication, honest guidance, and expert support every step of the way.

04

Play the Long Game

We're not here for one transaction. We're here to become your trusted mortgage advisor for years to come.

What Clients Are Saying

We had a great experience with Ted Bracker and will definitely be using his services again. We highly recommend him and have passed along his name and number to our friends and family. He was extremely prompt with everything and very thorough! Thank you for helping us find the best rate and a very honest price. We had a loan officer friend (out of state who doesn't do loans in the state I live in) look through our paper work and she told us we were getting an awesome deal, which we already knew. It's nice to have someone we trust in the loan industry, Ted Bracker is our new loan officer...for life.

Shannon Moore Phoenix, AZ Zillow

Going through the mortgage process as a first time home buyer is a daunting task, there are so many ins and outs. It was such a relief to work with Ted, he explained the timeline and was always willing to answer my many, many questions. I was confident in the numbers he provided and there were never any hidden fees or surprise costs. Ted is honest, reliable and kind. I have and will always go to him first for my home financing needs.

ladalby13 Tahoe City, CA Zillow

Ted is wonderful to work with! I had a few road blocks that came up on my end for the re-fi, so the process took longer than anticipated, however, Ted remained positive and stuck with me the whole way through. He was very responsive to all of my questions and needs and kept me informed every step of the way. I would highly recommend him!

amybb3 Phoenix, AZ Zillow

Ted was amazing in helping me on the financial side as I purchased my first house. He called me regularly throughout the process to let me know all of my options and what price range would best fit me. When we were coming down to the final days before I closed, Ted worked tirelessly to make sure everything went final right before the Thanksgiving weekend so I had plenty of time to move in. I am very appreciative of Ted's efforts and highly recommend him.

peterberinghaus Tempe, AZ Zillow

My husband and I had the pleasure of working with Ted Bracker on the refinance of our mortgage loan. I initially contacted him to get information on terms and rates, and after having a conversation with him he was able to provide great advice. He took our information over the phone, ran some numbers and got back to us right away. We submitted all needed documents and waited for the final approval. The whole refinance process was smooth and fast. Also, Ted was very prompt to answer any questions we had. We are very grateful that we got to work with him. We would highly recommend him to anyone that wants to refinance their home and definitely call him when it is time for us to purchase a new home.

blancaelena Phoenix, AZ Zillow

We have worked with Ted on 5 separate occasions and have found him to be very knowledgeable and courteous. He has explained each transaction thoroughly and has showed a great deal of patience. Although this is a business transaction, he seems to have our best interest in mind also. I would highly recommend!

gareywhite Sacramento, CA Zillow

Ted was able to make my refinance an awesome experience eventhough we had a few glitches he managed to save us money and get us a combined loan at a lower rate and a lower monthly payment. I am so happy to recommend him and his team....they will take great care of you....and I even got a very nice surprise thank you gift after I signed...super sweet.

sukuzote Kings Beach, CA Zillow

My wife and I were introduced to Ted via a family friend recommendation (I believe Ted handled his mortgage), and we were incredibly impressed right out the gate. He was extremely knowledgeable, friendly, and attentive to everything we were looking for--and on top of a reliably quick turnaround time every step of the way, he also gave us the "rate to beat" out of almost a dozen different lender options. He was up front and honest with what he could do, and will absolutely be the lender we go to in the future.

Adam G. Tucson, AZ Yelp

Ted is our go-to for anything lending! Been using him for years and his rates and fees, along with professionalism can't be beat. I've shopped and used other lenders in the past, but I've landed on the real deal --Now I send all of our friends and family to Ted because I know he's incredibly honest and has our best interest when looking at loans...when other lenders are struggling to close in time, he gets them CLOSED!

Shannon S. Ahwatukee, Phoenix, AZ Yelp

Get Pre-Approved

Phone
619.343.2101
Broker / Owner
Ted Bracker
Licensing
NMLS #860427
Serving
San Diego, California

All loans subject to credit approval. Not all applicants will qualify. Rates, terms, and programs subject to change without notice.

Call Get Pre-Approved