Nick Cowan
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Whether you're buying a home or refinancing, we have the right tools and information to help you make a decision. Success is driven by the loyalty of our clients. We are committed to delivering the highest level of customer service and satisfaction to our clients through quality, competency, loyalty and trust.

We operate as a cohesive unit - a Team. Our successes and failures are shared collectively, through recognition and accountability. We possess a desire and hunger to succeed. We take pride in what we do and celebrate our accomplishments together. We cannot succeed on our own. We encourage and support a proper balance through family, friendships, health and personal enrichment.
Services
In 2018, Saxton Mortgage, LLC was founded by Trent J. Ford, Chief Executive Officer, in San Diego, CA. Saxton Mortgage is a full-service mortgage lender specializing in providing exceptional customer service to satisfy all your mortgage financing needs. Our Team is committed to delivering the highest level of customer service to our clients to find the best option to meet your needs.
Whether you are a first-time homebuyer or an experience homeowner, Saxton Mortgage can help guide you through the process. The U.S. Department of Veteran Affairs helps Veteran, service members and eligible surviving spouses to become homeowners. To be eligible, you must have satisfactory credit, sufficient income to meet the expected obligations, and a valid Certificate of Eligibility.
You could pay off those higher-interest debts by refinancing to a lower rate. Even with less-than-perfect credit, we can help you lower your monthly payment and pay off your higher-interest debt. By consolidating your payments into one low monthly payment, you may pay less each month. Depending on the program that works for you, you might be able to pay off your debt sooner, which may help improve your credit score.
A Home Equity Conversion Mortgage (HECM) is the FHA insured loan that many commonly refer to as a 'reverse mortgage' loan. The Home Equity Conversion Mortgage is regulated by HUD (The Department of Housing & Urban Development). A reverse mortgage allows you to draw on the equity in your home without having to sell it.
There are several benefits to a conventional loan. Conventional loans offers some of the lowest down payments available, letting you get into a home with as little as 3% equity paid upfront. An FHA loan provides a government-insured loan with flexible loan options. Less strict credit requirements and qualifications make this loan the easiest loan for buying a home or refinancing.
Reviews (8)
Ryan Brumund
Ryan Brumund
Nov 24, 2021
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Saxton mortgage helped me get into our first home. We couldn't be happier. Paul B is amazing at what he does as well. Thanks Trent and Paul!
Mario Hernandez
Mario Hernandez
Jul 06, 2021
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Kurt took care of us throughout the entire process. If we had to go thru the entire process again we would not hesitate to go with him again. Glad we called him.
Bahman Zarechian
Bahman Zarechian
Feb 19, 2021
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I have had 2 refinancing done by Trent . His performance as my loan broker was way above my expectation. He knows his trade very well he never ask dummy question and he does not give you false hope to get your business. He is very honest, attentive, and professional. He provided me same level of attention from the time I submitted the application until the time escrow document is signed. The important thing was, he was able to get me the lowest rate in the market. I am a senior citizen and during span of my life, I procured more than 12 loans either for refinancing or purchasing properties.
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Kyle Kass
Kyle Kass
Dec 03, 2020
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We had a great experience using Saxton Mortgage. Anytime we had a question, Nick and his team would respond instantly. I highly recommend using them for any of your mortgage needs.
Roxana Jimenez
Roxana Jimenez
Oct 08, 2020
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Trent was the best banker I've ever worked with. This was totally a quick and painless process. I've never had a re-fi go so smoothly. I won't hesitate to recommend Trent to any of my friends looking to do a refinance on their home.
Dschoi
Dschoi
Aug 25, 2020
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Trent Ford is straightforward, transparent and no nonsense from beginning to end. He knows what the customer wants and dives right into it. Others ask a lot of irrelevant questions and try to switch you from this to that. I refinanced my house with Trent after shopping around. I got a great deal and the entire process was smooth, pleasant and quick. I highly recommend Trent.
Elizabeth Morgan
Elizabeth Morgan
Aug 06, 2020
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Trent made this an easy, pleasant, and very safe process in this uniquely difficult time. Trent is completely service-oriented and a pleasure to work with. Got us a great rate and would love to work with him again in the future!
Janet Finfrock
Janet Finfrock
Jul 08, 2020
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Kurt Hendershot made the lending process a breeze. Kept us well informed and up to date at all times.