Matt Towery Professional Headshot

Matt Towery

NMLS# 276667VP, Residential Loan Officer | Team Towery

Apply Now


1350 Rosecrans St
San Diego, CA, 92106



Matt Towery brings more than 20 years of mortgage banking experience to the residents of Southern California. Whether you are buying, building or refinancing, Matt is committed to providing exceptional client service and helping you achieve your financing goals. He understands a wide variety of loan types, and knows how to navigate the challenges associated with home construction and lot/land loans.

Matt prides himself on providing a high level of service throughout the process, even after the loan closes. His professional approach, dedication and proven track record have led many of his former clients to reach out to him when they consider purchasing a new home or refinancing their existing mortgage. In his spare time, Matt takes advantage of all Southern California has to offer, and especially enjoys taking his children and dog to the beach.

Contact Matt today to learn more about how he can help you.


A red craftsman home with a yard.

Find the right fit

Conventional loans are the most popular because they come in all shapes and sizes including fixed- and adjustable-rates, with flexible down payment requirements and varied terms from 10-30 years.

Conventional Home Loans
A row of houses with one hanging an American flag.

Government loan options

Federal Housing Administration (FHA) loans have been helping people become homeowners since 1934. These loans offer favorable rates and low down payment requirements.

Government Loans
A woman sitting on a couch holding a mug

Buy your first home

If you’ve never bought a home or haven’t owned one in recent years, let us walk you through the process. Our specialists will listen to you, explain the options and help you find the best home loan for your situation.

First-Time Homebuyers


Cash-Out Refinance
Down Payment Assistance
Mortgage Rates
Fixed Rate Loans
Adjustable Rate Loans
Vacation/Second Homes
Investment Properties
Land Loans
Home Equity Line Of Credit (Heloc)
Community Land Trust

Payment Calculators

Blue and white calculator

Mortgage Calculator

Enter your loan amount and interest rate to calculate your estimated monthly payment.

The letter A with a down arrow and the letter B with an up arrow

Rent vs. Buy a Home

The decision to buy a home is an important one. Our Rent vs. Buy Calculator helps you weigh your options.

Craftsman style house with a chimney.

15 vs. 30 Year Mortgage

Paying less interest vs. having a lower monthly payment. There’s much to consider when it comes to the length of your loan.

A right hand open with a dollar bill floating above it.

Mortgage Refinance

Interest rates are just one factor in determining if a refinance is right for you.