About me
I'm Ben Murphey, a local mortgage broker and the founder of Shelter Island Capital in San Diego. I've been in mortgage lending since 1999 and specialize in helping homebuyers, self employed borrowers, and real estate investors find smart, personalized mortgage solutions. Whether you're buying your first home, refinancing, or working through a more complex situation like trust financing or non traditional income, I’ll make the process smooth, transparent, and tailored to your needs. I focus on honest guidance, clear communication, and creative problem solving because every loan deserves a thoughtful approach.