Norman Padula

San Marcos

100 East San Marcos Blvd San Marcos, CA 92069

Senior Loan Officer NMLS #1483386 Apply Now

Purchase Quote

Get a free quote to purchase a home in as little as 10 minutes

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Refinance Quote

Get a free quote to refinance your home in as little as 10 minutes

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Free Consultation

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About Me

Working under the rule that, “Every Client deserves the VERY BEST SERVICE”, Norm excels in explaining each step of the home loan process to avoid confusion and costly mistakes.

Remembering his first home buying experience, Norm personally knows that while many consumers know a great deal about the lending process. However, with all the changing government regulations and resulting requirements from lenders, the unexpected surprises that are most often costly, can better be avoided when a transparent communication level is used.

Knowing his clients’ goals is the first step of the process. What stage of life, price point, location, preferred loan term are just a few of the pieces to the puzzle. Tailoring your loan to meet those needs is where Norm outshines his competitors and he will be the first loan officer to identify programs not suited to your needs.

You see; Norm’s clients are the key to his success by generating a strong referral of family, friends and others from former clients.

Don’t allow yourself to be just a number on a loan file in a bank.

Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act.

Realize Your Homeownership Dreams

Purchase A New Home

The housing market is hot right now. That makes choosing the right mortgage company more important than ever. Gain an advantage on the competition by working with us.

Amazing Loan Options

Free Loan Evaluation

Obtain a Guaranteed Approval

Get Purchase Quote

Refinance Your Home

What does it mean to refinance your mortgage ? Refinancing your Mortgage is essentially replacing your current mortgage with a new one at different terms. Whether its to lower your rate, take out cash or consolidate bills, refinancing your mortgage can help improve your overall financial status.

Calculate Your Savings

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Get Pre-Qualified Home Refinance

Get Refinance Quote

Improve Your Financial Position


Home Loan Programs

(Conventional, FHA, VA, USDA, Reverse, Jumbo)

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Find Out What You Qualify For



Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly Insurance $1421

Monthly HOA $1421

* The information provided by these calculators is for illustrative purposes only. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results. The calculated results are intended for illustrative purposes only and accuracy is not guaranteed.


OUTSTANDING experience. Norman Padula made the process of refinancing our home effortless. She explained each step and gave us continuous updates. Definitely recommend!!!

Veronica J

Norm and his team are simply the best. Better than all the rest.

Peter C

It’s rare to have a professional have such a relational approach. This is one of the reasons that Norman stands out. He didn’t miss anything, too. You need to add him to your team. You won’t be disappointed.

David R

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