Shawn Torres
Your Dedicated Partner for Home Financing.
Whether you are buying a home or refinancing we can help you realize your dream of home ownership.
Why are Shawn and Regency Home Loans the right fit?
Experience
Shawn boasts an impressive 23 years of expertise in the mortgage industry. Having honed his skills at various lenders and brokerages, he now proudly owns and operates Regency Home Loans.
Expertise
Shawn has encountered every scenario imaginable! With years of experience, Shawn & Regency Home Loans are equipped to handle any unique situation.
Personalized Service
Shawn places importance on every client, delivering service that is personally tailored to suit your distinct needs.
You May Have Seen Shawn
Get To Know Shawn
Owner and Loan Originator for Regency Home Loans
Shawn Torres is a seasoned loan officer with a wealth of experience. He has been navigating the intricate world of mortgages since 2000. Shawn has built a stellar reputation in the industry, earning recognition as a Scotsman's Guide Loan Officer.
In the year 2000, Shawn took the plunge into the world of mortgage financing, quickly establishing himself as a trustworthy and knowledgeable professional. Over the years, he honed his skills and eventually became the proud owner of Regency Home Loans, a testament to his dedication and expertise in the field.
Beyond the world of finance, Shawn finds solace in his family life. Celebrating a decade of marriage to his loving wife, Rachel. They form a formidable team in navigating life's adventures. Together, they are the proud parents of twin 9-year-old sons, Caius and Bodhi. Their household is completed by the playful presence of Brutus, their cherished French Bulldog.
When not immersed in the world of loans and mortgages, Shawn enjoys pursuing his passions. As a golf enthusiast, he often finds himself on the greens. Additionally, Shawn dedicates time to his family, creating lasting memories with Rachel, Caius, and Bodhi. An active member of the community, he also finds fulfillment in coaching kids' baseball.
Shawn Torres is a man of both professional prowess and familial devotion and continues to make significant strides in the world of finance while cherishing the moments that truly matter in life.
What Can Shawn and Regency Home Loans Do For You?
Conventional Purchase
As a preferred choice among homebuyers a conventional loans offer flexible home financing options to those who meet the qualification criteria, enabling them to achieve affordable homeownership.
Conventional Refi
For homeowners, maximizing affordability is key. Opting for refinancing through a conventional loan provides opportunities to reduce mortgage payments, expedite mortgage payoff, address high-interest debt, or secure additional cash as needed.
VA Home Loan
With a VA single close construction loan, veterans can utilize their earned benefits to construct their homes efficiently. Enjoy time and cost savings through a streamlined financing process, requiring no down payment and consolidating both construction and long-term home mortgage into a single loan.
FHA
Whether you're a first-time homebuyer or navigating the purchase of a new home, an FHA loan offers straightforward and adaptable solutions. Streamlining the approval process with lower credit score prerequisites and more manageable down payment amounts. FHA loans maintain competitive interest rates.
Non QM
Crafted for individuality, these loans are designed to accommodate diverse financial profiles, offering flexibility and innovative solutions. Bid farewell to stringent criteria and welcome a personalized approach to homeownership. Open the doors to possibilities with our Non-QM options – ideal for the self-employed, investors, and individuals with unconventional income sources.
Jumbo
Unlock the gateway to exceptional living with our Jumbo Home Loan – crafted specifically for individuals in pursuit of spacious residences and high-end properties. Tailored to meet the distinctive financial needs of those with upscale real estate aspirations, our loan provides a specialized financing solution for extraordinary living.
High Impact Results
23+
Years of Experience
15
Day Average Close
1000+
Mortgages Closed
Phone: (760 ) 505 - 2675 | Email: Shawn@RegencyHomeLoans.com | Address: 2214 Faraday Ave, Suite 100, Carlsbad, CA 92008
NMLS #1469285
Regency Home Loans Inc, NMLS ID #2511049
Equal Housing Opportunity Lender. Figures deemed reliable, but errors may occur. Rates and terms subject to change without notice. This is not an offer to make a loan or to make a loan on any particular terms. All loan applicants must qualify under the underwriting requirements and satisfy all contingencies of loan approval.
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