Ethos Lending

NMLS 2139353 | DRE CA-DRE - 02209481

Jeffrey Stewart

Jeff is a trusted mortgage advisor with deep roots in real estate and a passion for helping clients build long-term wealth through smart lending strategies. With a background in both residential and commercial markets and a degree from the nation’s top real estate program, he takes a relationship-first approach that earns the trust of clients, realtors, and financial professionals alike.

As the founder of my mortgage practice, I’ve built my business around a simple principle: treat every client like family, and focus on long-term financial success—not just one-time transactions. That mindset has allowed me to help hundreds of homebuyers, real estate investors, and industry professionals unlock smarter lending strategies while building lasting relationships in the process. / Born and raised in San Diego, I was introduced to real estate at an early age through a family deeply involved in the industry. Those early lessons sparked a genuine passion that carried through to my education—I went on to graduate Magna Cum Laude from the University of San Diego, home to the nation’s top-ranked real estate program. / Since then, I’ve dedicated my career to guiding clients through the mortgage process with clarity, strategy, and intention. With a background that spans both residential and commercial real estate, I bring a comprehensive and practical approach to lending—always aligning financial decisions with each client’s bigger picture. / What sets me apart is how I think about the mortgage business: not just as a transaction, but as a key piece of someone’s long-term wealth strategy. I work side-by-side with realtors, investors, attorneys, and financial professionals to ensure my clients are positioned to win—whether they’re buying a home, refinancing, or scaling a real estate portfolio. / I’m deeply driven by the idea of building—not just homes or businesses, but people. I’ve been fortunate to coach and mentor professionals, build out high-performing teams, and stay at the forefront of how our industry is evolving. I believe the best is ahead, and I’m committed to being a part of shaping what that looks like. / When I’m not working, you’ll find me spending time with friends and family, golfing, or exploring San Diego—still my favorite city in the world. This community raised me, and it’s an honor to serve it every day by helping others build lives they’re proud of, one smart mortgage decision at a time.

Ethos Lending Delivers on Their
Promises

Ethos Lending Delivers on Their Promises

5.0

Over 1,234 Verified Reviews

Smooth buying process

Very helpful throughout the process. Specially for first time home owners .
The Nelson Family
Verified Reviewer
Brooklyn Park, MN (August 2023)

Great experience

Excellent communication and made the whole process very simple for a first time home buyer.
The Nelson Family
Verified Reviewer
Brooklyn Park, MN (August 2023)