about us

about us

Elvin Wesley has been in the mortgage industry serving clients for over 20 years. He opened Ranch & Coast Mortgage Group, Inc. in October 2006.

Ranch & Coast Mortgage Group, Inc. understands the importance of finding the right mortgage loan that fits your exclusive needs and situations. Our team’s extensive knowledge of the mortgage and financial market, coupled with our years of experience, allow us to find you the lowest rate with the best possible terms. Whether you are looking to refinance your current home, purchase a new home, or simply consolidate your credit card and consumer debt, we are your advocates. We will work with you and your Realtors® during each step of the process to ensure a smooth and pleasant transaction.

President & Broker


  • WesleyNathan

    Nathan Wesley Sales and Marketing Manager

Nathan Wesley

Sales and Marketing Manager

Nathan Wesley is the Sales and Marketing Manager for Ranch & Coast Mortgage Group. He works hard to maintain client satisfaction, while continuously seeking out new ways to fulfill the needs of his community. Nathan has a history of working with small businesses, as he has founded and managed multiple startup companies. He loves spending quality time with his family and friends, as he considers himself a “Broker of People.” Nathan has a Bachelor’s Degree in Communication from the University of California, Santa Barbara.


Elvin Wesley and Ranch & Coast mortgage Group has received numerous awards and recognitions for service excellence over the years.

Voted Best Mortgage Broker/Company by Ranch & Coast Magazine 2020 readers’ poll "Best of San Diego" issue.

2019 Mortgage Market Leader in Forbes February Issue - https://custom.forbes.com/2019/03/11/2019-real-estate-and-mortgage-market-leaders/

Voted “Best of” North Coast 2016 Readers’ Choice in Mortgage Lending - https://issuu.com/lajollalight2010/docs/best_of_north_coast_2016

Awarded "Five Star Mortgage Professional" in Finance - San Diego Magazine – March Issues – Eight Year Winner

Business of the Year 2009 by the Encinitas Chamber of Commerce

Equal Housing Lender. Licensed by the California Bureau of Real Estate. Mortgage Brokerage License #01786879 NMLS #237410


Elvin of Ranch and Coast is a true professional that delivers what he promises. I have been selling real estate for well over a decade and have been working with Elvin since the beginning of my career. As a top producing agent with Coldwell Banker I have to rely on the best to help get real estate transactions closed. I recommend Elvin to all of my clients, friends and family because I know they will receive the best this industry has to offer. Elvin has also done my personal real estate loans over the years. I can truly say from a multitude of experience in the RE business he is at the top.

Thanks Elvin!

-Kelly Howard | Coldwell Banker

As a mortgage professional, Elvin encompasses every skill needed to fulfill each of his client’s needs: honesty, resourcefulness, experience and utmost attention to detail. Having been a mortgage professional myself and after working with him first at Mike Dunn and Associates and later at Ranch and Coast Mortgage Group, I can vouch for his dedication and devotion toward his client’s goals.  Elvin always works with his clients’ best interest as his absolute top priority. This approach explains why his clientele is strictly referral basis and why he works only with top San Diego agents. On a personal level, Elvin is a true friend that welcomes life and what life has to offer. Lindsay and I not only trust our clients to Elvin, but we have employed him for our own personal transactions because we have absolute PEACE of mind knowing his work ethic and level of experience in the mortgage industry.  Furthermore, we entrust our clients to him because we know that they will be getting top notch service, unbiased advice, excellent pricing and a perfectly managed transaction. Lindsay and I both highly recommend Elvin (and his team at Ranch and Coast Mortgage) to all buyers as well as other Realtors!

Julio and Lindsay | Pacific Sotheby’s www.JulioLindsay.com

I was introduced to Elvin Wesley over 4 years ago through a mutual client. At the time, I had a loyal relationship with another lender. My client has requested to use Elvin only for a loan transaction and I thought why don’t you complete a loan application with my lender and see which one is better. I was very surprised by the result, as not only did Elvin beat the rate, but his knowledge, service, and attitude was far superior to what I had been accustomed to. From that day forward, not only do I strongly recommend all my friends, family, and clients to use Elvin at Ranch & Coast Mortgage Group, Inc., but I also use him for all of my personal finance deals.

As an independent firm with over 15 agents at Bell & Associates Realty Group, it is important to provide outstanding service when competing with larger firms. Having someone we can count on and trust with our buyers is vital to our business. Elvin Wesley and Thor George, along with the entire staff at Ranch & Coast Mortgage Group, Inc., are very professional and courteous, and hand-hold our clients from start to finish. Ranch & Coast Mortgage Group, Inc., is a first class operation. My group and I will continue to support and refer their services to our clients in the future

Michael Bell | Broker, Bell & Associates Realty Group Encinitas

I’ve known the guys at Ranch & Coast Mortgage for many years.  I’ve had two loans done through them. I am confident I got a great rate.  I know I had great service. I referred a friend who was just starting a loan with someplace else.  I told him about my rate and he checked it out.  He ended up going with Ranch & Coast as well.  A great local asset to the community.

Brent Rosenkranz

I originally found their services when searching for a local broker.  They offer a very competitive, efficient, and friendly service. I have since refinanced twice to better terms with their help.  I would highly recommend to anyone in the area.


Nick D.

Elvin at Ranch and Coast was able to secure our loan (and two subsequent refinances) when others had failed.  As a private business owner, I found myself needing to jump through many hoops.  Elvin’s attention to detail, and ability to anticipate and request (in a timely fashion) pertinent information that solidified our position made all the difference in the world.  And the service doesn’t end at the close of escrow.  Elvin has proactively contacted us and made available opportunities to refinance that have saved us tens of thousands of dollars over the course of the loan.  He’s personable, approachable, and above all, professional.  I’m just sorry there are only 5 stars I can give him.

Dr. Gary Flower

I compared three different brokers and Elvin got us the best rate.  He was quick, professional, and a pleasure to work with.  Since we bought our new home, he has also closed a difficult refinance for a good friend of ours that called him on our recommendation.


Chuck E.

We have worked with Elvin at Ranch & Coast Mortgage Group for the last 5 years. He has completed numerous refis on our rental properties, as well as our most recent home loan purchase. He is an extremely hard worker and his professionalism surpassed our expectations.  He has always managed to get us the very best rate out there and wouldn’t stop looking until he was confident he had the lowest one available. On a personal note, he is friendly and truly a pleasure to work with. Elvin is always available via phone or email whenever we’ve had any questions or concerns at all. We wouldn’t go anywhere else for our mortgage/refinancing needs. I give Elvin at Ranch & Coast Mortgage my highest recommendation.

Danielle & Travis A.

I was referred to Elvin at Ranch and Coast Mortgage Group by my real estate agent and I am so lucky that I was. Elvin is professional, thorough, realistic and a very good communicator. I had a really long and arduous ‘sell my condo and buy a home’ process with many speed bumps along the way and Elvin was always proactive and forthcoming to help make the experience easier on my family.

I highly recommend Elvin and Ranch and Coast Mortgage Group to anyone that enjoys working with an honest professional that does more than he says.


Kevin M.

I closed escrow on a condo in Carlsbad two weeks ago. Elvin at Ranch and Coast was extremely helpful throughout the process. I was able to secure a competitive rate for my 30-year fixed rate mortgage and paid no closing costs. Equally important, he provided me with good, objective advice and promptly returned all of my email inquiries and calls. I’m very glad I worked with Elvin to help me successful complete my first home purchase.

Johnny L.

We closed escrow on a short sale condo after 8 months and Elvin was extremely helpful throughout the entire process.  This was our first home and Elvin was always there to answer any questions we had….even on the weekends!  Given that this was our first home I had a lot of questions and Elvin took the time to explain everything thoroughly and made the process seem a lot less overwhelming for a first-time homebuyer.  I would highly recommend Elvin as he is very responsive to your questions and is always looking out for your best interest.

Michael & Noelle S.

We used Elvin Wesley as our broker when we bought our house several years ago and since then we have refinanced a few more times to get a lower rate.  Each time he has gone above and beyond to help us get things done in a timely manner.  Not only is he is always professional and courteous to work with, he has made sure to get us the lowest rate on our loan each time as well as HUGE savings on fees.  In fact, it hasn’t cost us a penny!  I also have to add that he goes the extra mile to help his clients out.  He has gone out of his way to deliver and pick up paperwork at our home to make the process easy and convenient for me.  I also appreciate that the appraiser and notaries he uses have always been punctual and professional.  My husband and I cannot say enough about how highly we recommend Elvin at Ranch and Coast Mortgage!

Julian & Janeen S.

Elvin and his associates were consummate professionals to work with in the home loan financing/buying process. He was pleasant, knowledgable and kept our best interests in mind. He was able to not only get us locked in at a great rate but found tons of credits which allowed us more funds for home improvements.

As a first time buyer, I was very overwhelmed at first, but with the help of Ranch and Coast Mortgage Group my nerves were easily calmed. Elvin was always available by phone or email, even during off-hours and weekends. He also provided us with excellent recommendations for improvements and insurance and so on.

To summarize, in working with Elvin, it was abundantly clear that he was going to extra mile to make our home-buying process perfectly smooth. I’d recommend him to anyone in need of financing services.

Dave & Nicole F.

“I am an escrow officer that had a short sale with Elvin Wesley. Elvinand his team were professional throughout the whole transaction. But the end is where they REALLY shined. Due to his relationships with the lender, we were able to pull off docs signed, funded and recorded within 24 hours to record same day and save a short sale approval from expiring. Not only did he save the deal, but he helped make everyone involved look good in the process.”

Jen M.

“We recently refinanced both our home and our rental property and Elvin provided us with top-notch service! He made the whole process much less daunting and almost easy. We have 2 young children and he would stop by our house to pick up or drop off paperwork so I didn’t have to pack up the kids to do the legwork. It is amazing how something like that can be so helpful! He was very easy to work with, professional, and personable. I would absolutely recommend him to anyone! Thank you, Elvin!”

Rebecca & Patrick C.

“We were working on a refi with sights set long-term on buying a new house. Elvin at Ranch & Coast helped us figure out all of the pieces to keep our finances straight for today’s refinance and tomorrow’s house. We’re now saving hundreds a month on our mortgage (even after an expensive refi I’d done less than years ago direct with a bank). And he was able to negotiate a low rate with all costs covered and no points. In fact, we received a check back in the end when the title, escrow and appraisal came in under budget. Customer service was top notch as well. I wouldn’t hesitate to recommend Elvin’s work to friends and we look forward to working with him again.”

Lora B.

“Elvin has always gone above and beyond for our family. He has helped us with buying and re-financing I would recommend him to anyone. Very knowledgeable and easy to work with.”

April A

“I’ve worked with Elvin at Ranch and Coast three times now, getting excellent service, competitive rates with low or no fees, and reliable follow-through.  I’ll definitely stick with him for my future loans and highly recommend him to anyone in the market for a refinance or a new loan.”

Mary S. Carlsbad, CA

“Elvin is the best, he is easy, patient and trust worthy. He has made the two re-fi’s i have done with him easy even though I am the most unorganized woman on earth. Thank you Ranch and Coast Mortgage and thank you Elvin for a great experience I hope to never do again!”

Circe W.