Never settle for less than the best.

Always use a Master!

The Funding Master

Placing your loan with The Funding Master not only gets you a great rate for a great price,

but you get your loan funded ON TIME and WITHOUT ANY ADDITIONAL COSTS!

Our success is based on our track record.

What is Your Loan Scenario?

Every client's needs are unique. When it comes to choosing the best option for your needs, trust the master.

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Residential Real Estate Mortgages

Simplifying Your Real Estate Journey

 The Funding Master specializes in ALL Residential Real Estate Mortgages.

This includes Purchases, Refinances, Second/HELOC loans, Construction, Rehabilitation and specialty loan products.


Whether this is your first home purchase, or you are a seasoned investor, The Funding Master makes the mortgage process simple and smooth.


Refinancing is the process of paying off your existing mortgage with a new mortgage.

Reverse Mortgage

A reverse mortgage is a loan available to a homeowner 62 or older to tap into the equity in their homes via a lump sum, monthly payment, or a line of credit.


The Home Buying Process

Simplifying Your Real Estate Journey

Are you thinking about buying a new house, condo or apartment?

Whether you are upgrading, downsizing or investing, if you intend on borrowing the funds

you’ll need to be pre-qualified and pre-approved for a mortgage before your home search.

Step 1 : Pre-Qualification

Visit my streamlined

Pre-Qualification platform or simply


Step 2 : Pre-Approval

Once you are Pre-Qualified,

we will continue to your

Pre-Approval processing

Step 3 : House Hunt

Now you're ready to house hunt,

set your preferences, mark your favorites, and find your dream home

Karen Keyser

Sr. Mortgage Advisor / Broker Associate

Tel: (760) 803-2075
BRE # 1348153  NMLS # 238676

Capital Loan Associates

10815 Rancho Bernardo Rd #205

San Diego, CA 92127

Tel: (858) 376-0404
NMLS # 344836

Numbers Are My Specialty



Years of Experience


Qualified Experts


Clients Every Year


Realtor Partners

About The Funding Master


          I obtained my real estate license in 2001 and thus began my adventure as a Loan Originator by teaming up with a progressive and reputable mortgage company located in San Diego.  Prior to acquiring my license in real estate, I was a Certified Tax Preparer from 1994-2009.  I worked for a private firm in San Diego for over 15 years.

          My life experience came from a career dedicated to public service. I am a retired San Diego Police Detective. I spent 18 years standing up for and protecting the rights of others. I have always stood for ethics, honesty, and integrity. My word has always been my bond. You might say I am “old school”.

          When I began to work in the private sector of the mortgage industry, I soon realized that there was a wide disconnect between what professionals in the field advocated and what was actually delivered to a client.

          I was astounded to find the level of unscrupulous business practices that drew a sharp contrast to the values and ethics which I held to be true. The core values that I brought to the financial world were instilled in me as a child and reinforced while working as an officer for the San Diego Police Department.  Words like honesty, integrity, reliability, and credibility were not just sales slogans but rather my foundation for a life dedicated to public service.

          I witnessed unprincipled and dishonest business practices that were sold to the consumer as “Good Customer Service” and “Quality Loan Origination”. This brought me to the conclusion that I needed to raise the bar on “Professionalism” within the industry. Don’t get me wrong, there were and are today, exceptional Loan Originators in this business. We all unfortunately have been over shadowed by the horrific practices of the “bad seeds” in the industry.

          For the past 11 years I have strived to maintain the highest level of customer service.  I work for my clients with the ought-most of transparency and endeavor to stand on their side; fighting for their rights to ensure they are given what they were promised and expected. The quality of my service speaks for itself. My clients refer their friends and family to me because they “TRUST” me to take care of them as if they are my own. I hold that near and dear to my heart and I don’t take that TRUST lightly.

          My background, having worked as a detective, does set me apart from the Loan Origination pack.  I spent 12 successful years as a detective and 9 of those years working for the rights of sexual assault victims.  I know firsthand what it means to be held “Accountable” to the highest degree. When case sensitive incidents are “botched up” or not completed on time, heinous criminals are set free and more innocent people are put at risk.

          I took my sworn oath and obligation “To Protect and Serve” very seriously.  I believe not wearing a badge currently does not relieve me of that oath and responsibility; it continues to this day, it is just a part of who I am.  I realize that I am responsible for making sure the hard earned money and the dreams of my clients are not diminished or ruined. This business requires an aptitude for investigative skill, high regard for level of care and attention to detail to ensure the financial well-being of the client remains protected.

          I view and treat each loan as an opportunity to make things right for the consumer; to get the job done right, close the deal on time and to deliver what is expected.


I am the Funding Master!


My Story


L. Markey

Karen Keyser is my go-to mortgage advisor for all of my clients.She can handle VA,Conventional,FHA and anything I throw at her with ease. She is up to date on the latest mortgage trends and news and is very helpful to clients especially the first time home buyer which sometimes requires some patience. She answers all inquires promptly and I know I can count on her for anything related to a mortgage. She really is "The Funding Master"!

J & M. Jordan

Karen and her company have been involved in 3 of our personal Real Estate transactions, including referring her to other family members for real estate advice. All of which have been positive. Her communications whether by email or cell phone have been easy to navigate and complete. We have never met her in person but our solid business relationship has been great.

 In today's business world she make a very complicated transaction very simple and accurate. As a seasoned homeowner we highly recommend her and her team of professionals.

Louise Maxwell

To be competitive in the market for clients buying, there are lots of points a lender can help with.  Karen gets the pre-approval letter out quickly; she is on top of the situation and gives the Realtor updates regularly; she anticipates what the Realtor, Escrow and the Borrower will need and has it ready before they ask. All of these are important to a Realtor whether they represent a Seller or a Buyer, and they should be a concern for a Buyer when selecting a Lender. 


Karen makes my job easier and all the Buyers she represents are at ease and confident, which takes a lot of pressure off them and makes the whole experience a happy one, as it should be!! I'm very pleased to recommend Karen Keyser, The Funding Master! 


Products & Services

This is what would be referred to as a “Traditional” home loan.
Is a Government home loan product. This loan is available to anyone who qualifies for their Primary residence. It is NOT used for Investment properties. It can be used in a Purchase or Refinance transaction. This loan DOES have “Upfront” Mortgage Insurance and Monthly Mortgage Insurance.  This loan only requires a 3.5% Down payment.
This loan is for Veterans who are eligible to receive their Veteran Benefits. This loan is also a Government Insured loan. There is NO down payment required in most transactions. There is NO Monthly Mortgage Insurance.
Government insured loan used in the Rural areas of the County. It is a 100% loan, no Down Payment is required. The qualifications are similar to FHA.
This is the Home Affordable Refinance Program. Currently your loan MUST be owned by either Fannie Mae or Freddie Mac to qualify. The loan MUST have been sold BEFORE June 2009. This loan enables home owners who are UPSIDE DOWN in their mortgages to refinance regardless of current market value.
Specialty Loan Products
Portfolio Products
FHA 203K / Rehab / Remodel
FNMA Home Path
Cross-Collateral / Bridge Loans
Asset Depletion & Asset Assignment

Contact The Funding Master


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Karen Keyser

Sr. Mortgage Advisor / Broker Associate

Tel: (760) 803-2075
BRE # 1348153  NMLS # 238676

Capital Loan Associates

10815 Rancho Bernardo Rd #205

San Diego, CA 92127

Tel: (858) 376-0404
NMLS # 344836