Hello, my name is Gary Kawano. I have been in the mortgage industry since 1994 which makes this my 28th year. I've stayed in this industry for so long because I truly believe in homeownership. I believe that it helps a community, helps the homeowner build and transfer wealth, and as a result, if asked what my favorite part of the job is, I'd have to say closing on a transaction as that moment signifies the moment that they can start living the dream. I love assisting clients and even specialize in VA and Self-employed borrowers. Throughout the process, I like to be a support for my clients. If there are ever any questions that they have, I am always available to answer it for them or to assist them in finding the answer if need be.
I currently live in Carlsbad, CA where I live with my wife and four kids and most of my time, when I'm not killing it as a mortgage loan officer, is spent with my kids. A staple of my life is attending sports games, dance recitals, and music activities for them. My personal passions besides family would be mountain biking, snowboarding, camping, and any and all types of fishing. Clearly, sports is woven into my family's life and while I may not play football or baseball, I will say that on top of my love to participate in some sports, I love to watch them as well. I was born and raised in San Diego and so I'm definitely a Padres fan and somewhat reluctantly, I remain a fan of the Chargers even though they moved to Los Angeles.
That is a little insight to myself and I look forward to having the opportunity to work with you!
Address:
1237 Camino Del Mar, Del Mar, CA 92014
Licensed:
Purchase Calculator
Why Borrowers Choose SUCCESS® Lending
Who We Are
SUCCESS® Lending is a mortgage lender built around people, relationships, and clear communication. Our loan officers help homebuyers and homeowners understand their options, compare loan programs, and move through the mortgage process with confidence. Whether you are buying your first home, moving up, refinancing, investing, or using your home equity, we are here to help you make informed decisions.
Our Mission
Our mission is to make home financing feel more personal, transparent, and easier to understand. We take the time to learn about your goals, explain your options, and help you choose a loan strategy that fits your financial picture. From pre-approval to closing, your SUCCESS® Lending loan officer is focused on keeping you informed, prepared, and supported.
Our Promise
You deserve a mortgage experience that is clear, responsive, and centered on your goals. We promise to communicate throughout the process, answer your questions, and work with your real estate agent when applicable to help keep your loan moving forward. With SUCCESS® Lending, you have a loan officer who is committed to helping you take the next step with confidence.
Loan Programs to Fit
all Homeownership Dreams
Non-QM Loans
Alternative options. Flexible documentation.
Non-QM loans may provide alternative mortgage options for qualified borrowers who do not meet traditional loan requirements.
Down Payment Assistance
Help with upfront costs.
Down payment assistance programs may help eligible homebuyers reduce the upfront cash needed to purchase a home.
Refinance
Rework your mortgage. Reach new goals.
Refinancing may help homeowners adjust their mortgage, access home equity, lower payments, change terms, or move into a different loan program.
FHA Loans
Accessible financing. Flexible credit.
FHA loans can help make homeownership more accessible for first-time buyers and borrowers with limited down payment funds or credit challenges.
Conventional Loans
Popular option. Flexible terms.
Conventional loans offer flexibility and competitive terms for qualified homebuyers with stable income, solid credit, and funds available for a down payment.
VA Loan
Powerful benefits. Built for service members.
VA loans are available to eligible Veterans, active-duty service members, and certain spouses, offering strong benefits for qualified borrowers.
USDA Loan
Rural financing. No down payment.
USDA loans are designed to help eligible low- to moderate-income buyers purchase homes in qualifying rural and suburban areas.