Preferred Lenders

Terence Flannigan, M.S.

Senior Loan Officer
NMLS# 345128
Mobile: 949-677-2144
Private Fax: 855-838-3493


Born and raised in Huntington Beach, California, Terence Flannigan graduated from Mater Dei High School and began his college education with a football scholarship at Cal Poly, San Luis Obispo, where he studied Psychology. He continued his higher education and received his Masters of Counseling at California State University, Fullerton while also receiving his Masters Certificate in Sports Psychology at JFK University.

Terence's education in Psychology and his private practice in Marriage/Family Therapy nourished his passion to assist others. Seeking to utilize his skills in financial analysis, Terence coupled his two passions and in 2003 began a vibrant career as a full time professional mortgage broker.

Providing comprehensive service and creating meaningful relationships are the keys to Terence’s success. He strives to assist each client by educating them on mortgage and lending practices and how to achieve financial growth through responsible fiscal management. He maintains relationships with his clients and provides continued lending services and guidance for years to come.

Terence strives to offer his clients exceptional customer service, and his clients appreciate the value of his knowledge and expertise. They are excited to refer him to their friends and family, and Terence quickly follows up and takes great care of all of his referrals.

Family values are at the heart of all things Terence. Born the fifth of six children to Marge and Bill Flannigan, Terence comes from a long line of hard working dedicated professionals. When Terence is not in the office, he can be seen on the ball field coaching his son Dylan or at the nearest park playing alongside daughter Kylie. Terence enjoys running marathons and 5k’s, working out regularly, golfing, taking cooking and photography classes and attending sporting events.

Terence is licensed by the California Department of Real Estate (#01852661) and the NMLS (#345128).
Specialties: • Home Purchase Loans • Home Refinance Loans * Cash Out Loans • Debt Consolidation Loans • FHA Loans • VA Loans

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Melissa Howell

Senior Loan Officer
NMLS 264026 Cal BRE 01477506
Mobile: 619-818-1263
Fax: 619-821-8908
Email: MelissaH@SDFunding.com


Melissa has been in the mortgage industry since 2002. As a respected industry leader Melissa has extensive knowledge for all loan types but specializes with First-time homebuyers, FHA and VA loan products. She truly cares for each and every borrower and is grateful for the opportunity to help guide them thru the mortgage process and get them into their new home. Melissa and her team also keep in close contact with the real estate agents in the transaction to make sure everyone involved is provided the best customer service possible.

​Melissa is a self-motivator with high energy and is committed to developing lasting relationships with her clients and real estate agents in her community.

** FIVE STAR PROFESSIONAL AWARD WINNER