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.
Steven Hyde has over a decade of experience and is one of the most dedicated lenders in the country. He brings to lending a critical understanding of the cutting edge technology needed to help harness real estate transactions. He has a sharp intuition which is needed for anticipating clients’ needs and delivering on them effectively.
Steven's energy and enthusiasm, along with his strong business acuity, guarantees client satisfaction at every stage. Steven is equipped to advise on everything from technology, to lending, to sales. Steven's approach to business is always one of strict professional discretion and loyalty, ensuring that neither the identity nor vision of his clients will ever be compromised.
Steven’s strengths as an asset to lending comes from his professional and academic background. After graduating from USC, Steven created, developed, and sold a successful e-commerce business, which stood out in the over-saturated field of business technology. Prior to joining lending, Steven generated and built a lead delivery system for a mortgage company.
NMLS# 391380
Choosing a lender can be a difficult process and I am here to make it easy. My goal is to educate you on the process, assist in choosing the best financing options and come up with a plan that make sense for you and your specific situation.
I am not only a loan officer, but an adviser and advocate for you. Lots of institutions can lend you money, but to be on your side and help you get the best rate and terms is another story.
I have NO upfront costs, NO hidden fees and I look forward to being your lender for life.
University of Southern California
B.S. Urban Planning, 1997
Columbia University
B.A., Certificate of Programming, 2000
June has over 20 years of experience in the financial services industry that gives him the ability to assist clients in all aspects of their mortgage needs. He is also a Jiu Jitsu Black Belt Instructor, which has helped him understand how to help the clients understand difficult concepts that they might encounter during the loan process. June strives to build long term relationships by getting to know his clients and partners. Whether a client is looking to finance a new home or refinance a loan, he takes the time to listen and learn what best fits the client. There are many factors to consider when getting a home loan; interest rates are only one element of the complete package. June will help you consider all your options so you can concentrate on making the best decision for your needs.
I have been in the Mortgage Industry for 25 years. My processing experience spans over 23 years with
the past two years as Steven Hyde’s assistant. Steven holds a special place in my heart. He truly is one of
the kindest & trustworthy people I know! We are not only a Team we are a Family!
What’s Important to me: I care a great deal about our clients and pride myself on the level of customer
service I provide them. I believe my communication skills and empathy play a big role in helping our
clients throughout their loan transactions.
On a personal note: I feel I have been fortunate in my life & look forward to ways I can “give back”. I
love to volunteer@animal sanctuaries & help victims of Domestic violence.