NMLS# 874523
Licensed in AL, AZ, CA, FL, ID, ME, NV, NM, NC, TX, VA, WA
8954 Rio San Diego Drive, Suite 102
San Diego , CA
DrysdaleTeam@intercaplending.com
Mobile Number: 858-863-6411
Work Number: 858-863-6411
Danny Drysdale is a San Diego mortgage lender and Intercap Lending branch manager specializing in Jumbo, SaveSmart, DSCR, Bank Statement, Asset Utilization and Condo loans for buyers and investors in La Jolla, UTC, Clairemont, Bay Park and coastal San Diego.
I’ve been in real estate for over 20 years, originating mortgages since 2012, and San Diego has been my market for more than a decade. It’s where I live, where my family is, and where I do my best work. My focus is the coastal and urban corridor, La Jolla, UTC, Clairemont, Bay Park, Pacific Beach, Little Italy, and Downtown, where most purchases fall into Jumbo and Conventional territory. If you are buying in that range, this is where I spend my time.
Through our Intercap Lending branch in Mission Valley, our team has funded over $1 billion in loans. That production is not something I lead with to impress you. I lead with it because it means I have seen nearly every deal structure, complication, and timeline pressure this market produces. When something comes up mid-transaction, and in San Diego it usually does, you want a lender who has been there before.
Realtors who send me their buyers do it because I communicate. Not just at the beginning and end of a transaction, but through every step of escrow. I know how competitive the La Jolla and UTC markets are. A weak pre-approval or a lender who goes quiet during underwriting can cost an agent a deal they earned. That does not happen here. Sure, I close Conventional, VA, and FHA loans, and I can tell you quickly which product fits your buyer and why.
Loan programs I specialize in:
I got into real estate right out of high school and moved into mortgage lending in 2012. When my wife Stefanie and I bought our first home together, it changed how I thought about this work. Homeownership gave us the ability to pay off debt, build equity, and eventually invest in additional properties. That kind of financial strategy is what I try to give every client I work with. I want to understand what you are trying to build, not just close your loan.
I was born in Salt Lake City and chose San Diego. There is a difference between living here and loving it here. I wanted to do more than just visit; I want my sons to grow up near the ocean. We have two dogs. When I am not working, I am usually at the beach or watching the Bills find new ways to break my heart. If you are buying in San Diego, I would like to be part of that conversation. Schedule a Call
Q: What areas of San Diego does Danny Drysdale serve?
Danny serves homebuyers and Realtors throughout San Diego with a primary focus on La Jolla, UTC, Clairemont, Bay Park, Pacific Beach, Little Italy and Downtown San Diego. He works with buyers from the coast east to the 805 corridor and is licensed across California and 11 additional states.
Q: What types of home loans does Danny Drysdale specialize in?
Danny specializes in Jumbo, SaveSmart, DSCR, Bank Statement, Asset Utilization and Condo, which are the most common loan types in San Diego’s coastal and high-value markets including La Jolla, UTC, and Downtown. He also closes VA, FHA, HELOC, and other loan programs, making him a resource for buyers across a wide range of purchase scenarios and price points.
Q: What is the jumbo loan limit in San Diego County in 2026?
In San Diego County, any loan above $1,104,000 is considered a jumbo loan in 2026. Loans between $832,750 and $1,104,000 are classified as high-balance conforming loans. In markets like La Jolla, Del Mar, and Carmel Valley, both high-balance and jumbo loans are common. Danny closes both regularly and can help you determine the right structure for your purchase price and down payment.
Q: How do I get pre-approved for a mortgage with Danny Drysdale?
The process starts with a conversation, not an application. Danny reviews your income, assets, and goals to determine the right loan structure before anything is submitted. Most buyers in the San Diego market receive a fully underwritten pre-approval within a few business days, which carries significantly more weight with listing agents than a standard pre-qualification letter.
Q: What makes Danny Drysdale different from other mortgage lenders in San Diego?
Danny closes every loan type he quotes, communicates throughout the entire escrow process, and has personally produced over $500 million in annual volume while managing a branch that has closed $1.5 billion in loan volume. Realtors in San Diego work with Danny because he delivers on time and resolves problems before they become deal-killers.
Q: Does Danny Drysdale work with Realtors in San Diego?
Yes. Danny works directly with Realtors throughout San Diego and provides fully underwritten pre-approvals, proactive communication with listing agents during escrow, and direct availability throughout the transaction. Realtors who refer clients to Danny know the loan will close because the underwriting work is completed before the offer is submitted.
Q: Does Danny Drysdale work with first-time homebuyers in San Diego?
Yes. While Danny’s primary market includes move-up and high-value buyers in La Jolla, UTC, and Downtown San Diego, he works with first-time buyers across the San Diego market and identifies the right loan program based on income, down payment, and purchase price goals.
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Anika Pendleton
