Anita Aguilar is a mortgage professional with over 20 years of experience helping individuals and families achieve their homeownership goals. She entered the mortgage industry in 2005 after graduating Magna Cum Laude from Loyola Marymount University. As a lifelong San Diegan, Anita has a deep connection to the community she serves. She understands the unique neighborhoods, housing market trends, and opportunities that make San Diego such a special place to call home. Her passion for helping others, combined with her extensive industry knowledge, has earned her a reputation for integrity, professionalism, and exceptional client service.
Anita believes that a successful mortgage experience requires more than just expertise; it requires a dedicated team. As a branch leader, she has assembled a highly experienced group of professionals who share her commitment to personalized service, clear communication, and efficient execution. Together, Anita and her team bring more than 90 years of combined industry experience and have helped thousands of families navigate the home financing process with confidence.
Known for her responsiveness, attention to detail, and client-first approach, Anita strives to make every transaction as smooth and stress-free as possible. Whether you're purchasing your first home, expanding your investment portfolio, or refinancing an existing mortgage, Anita and her team are committed to helping you achieve your financial and homeownership goals.
Recent Accolades:
- Scotsman Guide Top U.S. Mortgage Loan Originator ‘26
- Scotsman Guide Top 250 U.S. Women's Loan Originator ‘26
- Nahrep’s Top 250 Latino Mortgage Loan Originators ‘26
- MAMMBA Top 100 Loan Originators ‘25
Equal Housing Opportunity | www.cardinalfinancial.com/nmls-licensing
For licensing information, go to www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/66247
About Me
Mortgage Advisor |NMLS #498749
Cardinal Financial | NMLS #66247
Fast, Efficient, and works with her clients needs first. Anita just helped me close on a deal for a buyer who needed efficiency and a quick timeline. Anita not only met but exceeded the timeline by 7 days… this took our 15 day close down to 8 days. Beyond grateful for how she handled the job and for working in a way I’ve seen very few other lenders work.
EG
Me and my wife are truly blessed to have had Anita and her team help us throughout the entire homebuying process. It's a daunting thing to buy for the first time, and they were incredibly helpful, patient, and supportive every step of the way.
Can't say enough good things about them, they get a glowing recommendation from us. 10/10
Can't say enough good things about them, they get a glowing recommendation from us. 10/10
AM
Anita, Edgar, and their entire team are truly the best! If you're looking for a lender who genuinely has your best interest at heart, takes the time to answer every question without ever making you feel like a burden, and has incredible knowledge and experience, you've found the right team. They were always available, kind, and transparent every step of the way.
I was also using a down payment assistance program with very demanding and rigorous requirements, and they handled every detail with ease. They stayed on top of every requirement and kept everything moving forward, giving me complete confidence throughout the entire journey.
Thanks to their guidance, expertise, and unwavering support, I was able to achieve something I once thought was out of reach: I became a homeowner! I truly owe it all to Anita, Edgar, and their amazing team. They went above and beyond to make this dream a reality, and I couldn't be more grateful.
I wholeheartedly recommend them to anyone looking to buy a home. You'll be in the best hands from start to finish!
I was also using a down payment assistance program with very demanding and rigorous requirements, and they handled every detail with ease. They stayed on top of every requirement and kept everything moving forward, giving me complete confidence throughout the entire journey.
Thanks to their guidance, expertise, and unwavering support, I was able to achieve something I once thought was out of reach: I became a homeowner! I truly owe it all to Anita, Edgar, and their amazing team. They went above and beyond to make this dream a reality, and I couldn't be more grateful.
I wholeheartedly recommend them to anyone looking to buy a home. You'll be in the best hands from start to finish!
BZ
Anita and her team were wonderful. They assisted from the beginning to the end. Answered all my questions in a timely manner. They were amazing to work with. I would highly recommend them!!! I would use them again and again!
JM
Anita and her team are amazing. I went into the office to start the process for a refinance. They helped me fill out all the paperwork and get all documentation needed for the loan. Now just a couple days later I have several options for a loan and I couldn’t be more happy. This team has gone above and beyond my expectations. This place is your go to for any of your real estate needs.
RM
Anita represented the buyer on my seller's listing and was a strong communicator, responsive and timely. I look forward to working with her in the future!
DM
Working with Anita and her team was an absolute pleasure. As a real estate attorney closing many transactions, I get to work with all kinds of people in this field. Anita is a true professional who works proactively and collaboratively from the start. It was an honor working with her helping first-time homebuyers achieve their dream, and I look forward to working with her again.
HD
Anita and her team were incredible to work with from beginning to end. As first-time buyers, my husband and I had plenty of questions and didn’t always know what to expect, but Anita and her team made everything feel manageable and straightforward. She was always quick to respond, clearly knowledgeable, and truly cared about helping us achieve our goal. Throughout the entire process, she and her team stayed on top of every detail, keeping us informed and moving forward without stress. We’re thankful to have had their support and would absolutely recommend them to anyone buying a home!
LR
The team is very professional and they care for customers.
From 1 to 10, I give them 10!
From 1 to 10, I give them 10!
MS
Anita and her team made our home refinancing process such a smooth and stress-free experience! From start to finish, they were professional, knowledgeable, and always available to answer any questions we had.
They took the time to explain every step clearly and made sure we felt confident in our decisions. We truly appreciated their patience, transparency, and dedication to getting us the best outcome possible.
Thanks to Anita and her team, we were able to refinance our home with ease. We highly recommend them to anyone looking for a reliable and supportive team!
They took the time to explain every step clearly and made sure we felt confident in our decisions. We truly appreciated their patience, transparency, and dedication to getting us the best outcome possible.
Thanks to Anita and her team, we were able to refinance our home with ease. We highly recommend them to anyone looking for a reliable and supportive team!
RS
Anita and her team were amazing throughout our homebuying process. We were going through a program, and honestly, the process itself was a bit of a roller coaster. Not because of them, but because these programs come with a lot of steps and requirements, so it’s not always the easiest experience.
That said, I’m really glad we chose Anita and her team to help us purchase our first home. They were patient, kind, and very understanding from start to finish. There were multiple times when they truly listened to our concerns and requests, and that made a big difference for us.
Overall, the entire team made a complicated process feel as smooth as possible, and we always felt supported along the way. We’re grateful for their help and couldn’t have asked for a better team to guide us through buying our first home.
That said, I’m really glad we chose Anita and her team to help us purchase our first home. They were patient, kind, and very understanding from start to finish. There were multiple times when they truly listened to our concerns and requests, and that made a big difference for us.
Overall, the entire team made a complicated process feel as smooth as possible, and we always felt supported along the way. We’re grateful for their help and couldn’t have asked for a better team to guide us through buying our first home.
PW
Anita and her team did a great job! Very happy with mortgage estimations and customer service. I think everything was spot on! Thank you Anita!
KP
I have been a part of a LOT of loans in my life, and Anita is, by far, the best advisor I've ever worked with. She knows her business inside and out, and is also a pleasure to work with.
CZ
Anita and her team helped us throughout the homebuying process. From the moment we decided to start looking, during escrow, and after closing. Anita is extremely knowledgeable and answered all our questions and concerns. She had our best interest in mind. Her and her team helped the process run smoothly and we closed escrow in 17 days!
Additionally, I have used her in the past to re-finance and that process went smoothly as well.
Additionally, I have used her in the past to re-finance and that process went smoothly as well.
PM
Anita and her team are absolutely fantastic. They helped my family and me achieve something very important—buying our first home. The process was not easy, but Anita and her team supported us every step of the way.
They guided us through the RecoverCA and GSFA programs and made sure we understood everything throughout the process. Their patience, dedication, and constant support made a huge difference for us.
We are incredibly grateful for all their help. This team is truly the best, and I highly recommend them to anyone looking to buy a home.
They guided us through the RecoverCA and GSFA programs and made sure we understood everything throughout the process. Their patience, dedication, and constant support made a huge difference for us.
We are incredibly grateful for all their help. This team is truly the best, and I highly recommend them to anyone looking to buy a home.
RG
Anita has been helping me secure loans for many years. She's always there when I need to quickly purchase properties, and she consistently provides good loan options. She makes the process truly smooth and is always available by phone. Her knowledge about loans is impressive. I would definitely recommend her to anyone looking to get a loan.
BE
Anita and her team helped my mother and me accomplish something we once believed might never be possible. They guided us through every step of the ReCoverCA and GSFA programs and supported us throughout the entire home-buying process. Without their knowledge, dedication, and guidance, we do not believe we would have been able to qualify for or be approved for these programs.
Anita and her team were exceptional, and we are truly grateful for their support, professionalism, and commitment. Thanks to them, we were able to achieve our dream of purchasing our first home.
Anita and her team were exceptional, and we are truly grateful for their support, professionalism, and commitment. Thanks to them, we were able to achieve our dream of purchasing our first home.
CD
Anita and her team were absolutely wonderful throughout our entire home-buying journey. As first-time homebuyers, my wife and I had a lot of questions and uncertainties, but Anita made the process smooth and stress-free. She was responsive, knowledgeable, and genuinely invested in helping us reach our goal. Anita and her team followed through every step of the way, keeping us informed and on track from start to finish. We couldn’t have asked for a better team to guide us through purchasing our first home. Highly recommend!
LH
We wanted to take a moment to sincerely thank of you for all your guidance, patience, and support throughout the purchase of our first home.
This milestone means so much to us, and we truly could not have done it without your expertise and dedication. From navigating the lending process to guiding us through every real estate step, you both made what could have been overwhelming feel manageable and reassuring.
We are especially grateful not only for your professionalism, but for the care and commitment you showed us as family. You went above and beyond to make sure everything moved smoothly, and that gave us so much peace of mind.
Thank you for helping turn this dream into reality. We appreciate you more than words can express.
This milestone means so much to us, and we truly could not have done it without your expertise and dedication. From navigating the lending process to guiding us through every real estate step, you both made what could have been overwhelming feel manageable and reassuring.
We are especially grateful not only for your professionalism, but for the care and commitment you showed us as family. You went above and beyond to make sure everything moved smoothly, and that gave us so much peace of mind.
Thank you for helping turn this dream into reality. We appreciate you more than words can express.
ML
I did an HELOC with Anita's team and the process was easy, transparent and fast. I really liked the follow up on the time frame of the project and that the team is on top of every stage of it.
Definitely will be doing business with Anita's team in the future, they earned my trust!
Definitely will be doing business with Anita's team in the future, they earned my trust!
AF
Anita is easily the best loan officer that I have work with. She was always one step ahead and knew the questions that I had before I had to ask them. She explains in detail but doesn't over explain. She just gave me the straight forward information without providing a novel. I felt confident in her the entire way. It felt like I was working with a friend who happens to really know what they are doing. Thank you so much!!!
My husband and I have been wanting to purchase a home for the last few years, but the prospect of a mortgage and navigating the loan process was pretty intimidating. We talked to a few loan officers before we were referred to Anita and her team. What we expected to be a stressful and complicated process turned out to be a smooth and seamless experience! We unexpectedly found our dream home one Sunday, and Anita had us fully pre-approved by the end of the day Monday and signing the final documents just two weeks later. She stayed in constant communication and kept us updated at each milestone so we knew exactly where we were and what was needed at any given moment. As first time home buyers, we could not be more grateful to Anita and her team for helping us start this new chapter in our lives. Thank you all so much!
Anita is an extremely hardworking and proactive loan officer. She stayed on top of the file, every step of the way, to ensure an on-time close. Well done, Anita!
SB
We honestly cannot say enough good things about Anita and her team. They were so kind, patient, and incredibly thorough — especially when so many of the financial details were over our heads. We went back and forth a few times on our options, and they were always so helpful, taking the time to walk us through each scenario and helping us understand what made the most sense for our family.
They never made us feel rushed or silly for asking questions, and they were always available — even at odd hours — keeping us organized, calm, and on track the entire time. We truly could not have gone through this process without their guidance and support and are so grateful to have worked with such an amazing team. We highly, highly recommend them. Thank you Anita and Team!
They never made us feel rushed or silly for asking questions, and they were always available — even at odd hours — keeping us organized, calm, and on track the entire time. We truly could not have gone through this process without their guidance and support and are so grateful to have worked with such an amazing team. We highly, highly recommend them. Thank you Anita and Team!
ML
I highly recommend Anita and her team! I can not thank them enough. We had a unique situation trying to get pre-approved which we had trouble finding the right person to help work with us. We were referred to Anita and I'm so glad that we did. They we very thorough in the process and worked in a very timely, efficient manner. Everyone was so kind and personable. They were a big contribution to closing earlier than expected which was so exciting. They made the whole experience smooth and were so patient with answering any of our questions. You will not be disappointed!!
