I’ve been helping homebuyers, homeowners, and real estate investors with mortgage financing since 1999. With more than 25 years of experience, my goal is simple: help clients understand their options and make smart, confident decisions about their mortgage.
I’m the owner of Shelter Island Capital, a boutique San Diego mortgage brokerage serving clients throughout California. As an independent mortgage broker, I have access to a wide range of lenders and loan programs, allowing me to compare options and find financing tailored to each client’s individual needs.
My approach is simple: listen first, understand the full picture, and build a mortgage strategy around your goals.
Whether you are a first-time homebuyer, purchasing your next home, refinancing, buying an investment property, or looking for a more specialized mortgage solution, I take the time to explain your options and help you understand the advantages and tradeoffs of each.
Sometimes getting the lowest mortgage rate is the priority. In other situations, preserving cash, reducing the monthly payment, maximizing purchasing power, improving cash flow, or planning for retirement may be more important. The right mortgage is about more than just the interest rate.
Shelter Island Capital offers access to a broad range of residential mortgage programs, including:
• Conventional home loans - Close Quickly and Smoothly
• Jumbo mortgages - High End Properties
• FHA loans - Low Down Payments
• VA home loans - Serving Our Veterans
• USDA loans - Zero Down
• First-time homebuyer program - Start Your Legacy
• Investment property financing - Grow Your Portfolio
• DSCR loans - Rental Property Financing
• Non-QM mortgages - Unique Income Solutions
• Bank statement loans - Self Employed Borrowers
• Asset-based mortgage programs - High Net Worth Borrowers
• Bridge loans - Buying Before You Sell
• HELOCs and home equity financing - Access Your Equity
• Reverse mortgages - Enhance Your Retirement
Having access to multiple lenders can be especially valuable for borrowers with complex income, significant assets, investment properties, self-employment income, or situations that may not fit traditional bank guidelines.
Most of my business comes from repeat clients and referrals from past clients, Realtors, financial advisors, attorneys, and other trusted professionals. I take that responsibility seriously.
Buying a home or refinancing a mortgage can feel complicated, but the process doesn’t have to be. My job is to guide you through each step, explain what matters, anticipate potential issues, and be available when you need me.
At Shelter Island Capital, the goal isn’t simply to close a loan. It’s to help you choose a mortgage strategy that makes sense for your home, your finances, and your long-term goals.
Your first step to homeownership starts with a clear mortgage plan
Ben Murphey (619) 454-0914