Loan Officers

Six-time winner of the "FIVE STAR, Best in Client Satisfaction Lender” as published in San Diego Magazine from 2012 - 2017.
For the past 13 years, Keith Tong has helped thousands of customers finance property, from first-time home buyers to multi-unit real estate investors. He’s a concerned loan officer that likes to talk to people about what they want and strives to help them get the best loan to suit their needs. Most of his clients are repeat customers or word of mouth referrals.

"San Diego Funding does a great job of offering really low rates and with our experienced staff, we always get the job done. The loan is the most important part of the transaction and you should not trust it to just anyone. There's always more to the story than a rate quote. Getting a loan has never been more difficult and it is crucial to work with a team you can trust. My team is the best in the business, and we've got a long list of happy customers, so I think you'll be happy choosing us too."

Keith provides the following services:
~Residential refinance and purchase loans from up to $5MM and above for your primary residence, second home, and 1-4 unit residential rental properties.
~Conventional, FHA, VA, first and seconds (HELOC and fixed rate), construction, hard money, bridge loans, and reverse mortgage loan programs
~Residential loan preapproval letters 7 days per week which greatly assist your purchase negotiations
~Apartment and Commercial Property loans in any amount through our commercial loan specialists
~Unqualified borrower conversion strategies: many of Keith’s clients came to him after being denied by other lenders. With all of his experience, Keith knows how to legally apply loan regulations to get you approved. If not, he will develop a custom strategy for you to implement in order to become qualified.
~Public Speaking on a variety of real estate and personal finance topics including First time home buyer education seminars. Contact him to speak to your company’s employees or small group.
~He is very responsive to his clients. His clients know they can contact him any day of the week and he’ll be there. ~He is backed by an outstanding support team who are fully capable of stepping in whenever needed.

Personal Bio: After achieving a BA in Economics from the University of Albany (New York), Keith felt it was time to get out of the snow and so made the move shortly thereafter to sunny San Diego, California in 1996. He quickly learned that his hard-hitting East Coast work ethic would stand out amongst the laid-back lifestyle and set his sights on building his own mortgage team within a thriving community banking organization. Today Keith is a Six-Time Five Star Award winner for outstanding customer service. After purchasing his first home when he came to San Diego with little to no understanding from his Loan Officer about the loan process other than a rate and payment, Keith made it his mission to expand the role of “Loan Officer” to include educator - to educate on every step of the loan process. “When I talk to clients, I want them to feel comfortable with all decisions and confident in their home loan and ability to afford their mortgage payment. We review disclosures, payments, loan options, closing costs – no stone left unturned means no surprises and a smooth, on-time closing”. Along with Keith's passion for mortgage lending, comes his passion for family. Keith lives in North County with his beautiful wife and 3 daughters. While you can most often find him working all hours of the night, you can also find him playing a round of golf from time to time, enjoying a good football or basketball game and spending quality time with his wife and children.