San Diego coastline at golden hour with turquoise waves rolling onto a clean sandy beach
    San Diego, CA

    Buy or Sell in San Diego —
    Backed by an In-House Mortgage Broker.

    White Water Real Estate Group is a San Diego brokerage built alongside Cascada Mortgage Advisors, Inc. — a licensed mortgage broker with access to 100+ wholesale lenders. One team coordinates both sides of the deal, so you get faster pre-approvals, loan options matched to your needs, and closings that hit the date on the contract.

    Cascada Mortgage Advisors, Inc. is a licensed mortgage broker, NMLS #398944. Not a direct lender. Loan approval subject to credit and underwriting review.

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    Why White Water + Cascada

    One team. One process. Real estate and financing under the same roof.

    Most San Diego deals fall apart for the same reason: the listing agent, the buyer's agent, and the mortgage broker are three separate teams playing telephone. We removed that gap. When you work with White Water, your agent and your mortgage broker are already in the same room — and that broker shops your loan across 100+ wholesale lenders to find the right fit.

    From VA loan specialists and FHA loans for first-time buyers to jumbo financing for coastal properties and DSCR loans for investors, we match the mortgage program to the property — not the other way around.

    Faster Pre-Approvals

    Broker-issued, underwriter-reviewed pre-approvals in 24 hours so your offers stand up in multiple-offer scenarios.

    One Point of Contact

    No handoffs between the real estate agent and the mortgage broker. Same team, same calendar, same texts.

    Local San Diego Expertise

    Coastal, mesa, urban, and South Bay — we work every submarket, not just one zip.

    Services

    Choose your path

    Buying a Home

    From your first pre-approval to keys in hand. Coastal, mesa, urban, military relocations — we've closed it.

    Start a Buyer Search

    Selling a Home

    Concierge prep, strategic pricing, and a buyer pool that's often already pre-approved through Cascada's broker team.

    Get a Home Valuation

    Relocating to San Diego

    PCS moves, out-of-state job transfers, bilingual support. We'll land you in the right neighborhood, on schedule.

    Plan Your Relocation
    Live MLS Search

    Search Available Homes

    Browse current listings across San Diego, La Jolla, North Park, Bay Park, Chula Vista, and Tierrasanta — updated daily from the MLS.

    Search Listings
    Meet the Team

    Meet your San Diego real estate and mortgage expert — with more agents joining the White Water team soon.

    OM

    Omar Michel

    Broker | Founder, Cascada Mortgage Advisors, Inc.
    CA DRE #02131389 | NMLS #398944

    With 15+ years of experience in San Diego real estate and mortgage financing, Omar brings a rare combination of real estate and lending expertise under one roof. Whether you're buying, selling, or financing, Omar and the White Water team are here to guide you every step of the way.

    What Our Clients Say

    Google Reviews
    Kensuke Yamamoto

    Kensuke Yamamoto

    2 weeks ago

    This was my second time working with Omar, and once again, he exceeded my expectations. I chose to work with him again because of the excellent experience I had the first time, and he continued to deliver outstanding service. From start to finish, Omar was incredibly responsive, professional, and easy to work with. Whenever I had a question, he replied quickly and always took the time to make sure I fully understood the answer. What really sets Omar apart is how well he guides his clients through the mortgage process. He clearly explained each step, kept me informed about what to expect next, and made sure I always knew where we were in the process. Buying or refinancing a home can be overwhelming, but Omar made everything feel smooth, organized, and stress-free. He was also very efficient and kept everything moving forward without unnecessary delays. I truly appreciated his patience, attention to detail, and commitment to providing exceptional customer service. It’s rare to find someone who is not only knowledgeable and efficient but also genuinely cares about making the experience as easy as possible for their clients. That’s why I came back to Omar a second time, and I wouldn’t hesitate to recommend him to anyone looking for a trustworthy, responsive, and dedicated mortgage broker. Thank you again, Omar, for another outstanding experience!

    Lycia Cardoso

    Lycia Cardoso

    4 months ago

    We had an excellent experience working with Omar for our HELOAN to secure the down payment on our second home. From start to finish, he demonstrated incredible knowledge and experience in navigating the lending process. He took the time to explain every detail clearly, answered all of our questions, and made sure we fully understood our options. What truly stood out was how committed he was to acting in our best interest as borrowers. He carefully evaluated different scenarios to ensure we were making the smartest financial decision for our family. We never felt rushed or pressured — just genuinely supported. On top of his professionalism, he is friendly, approachable, and easy to communicate with, which made what could have been a stressful process feel smooth and manageable. We are so grateful for his guidance and highly recommend him to anyone looking for a knowledgeable and trustworthy mortgage professional!

    Patrick Yrigoyen

    Patrick Yrigoyen

    9 months ago

    Working with Omar to purchase my first investment property was an absolute pleasure. The entire process was quick and painless, thanks to his professionalism and proactive approach. Omar asked for everything he needed upfront, which eliminated the usual back-and-forth and made the experience incredibly smooth. He kept us informed with timely updates and was always available to answer questions. One standout moment was when Omar flagged a property that was underinsured—his advice helped us avoid potential issues that could have surfaced down the line. That level of diligence and care truly sets him apart. If you're looking for a mortgage broker who is thorough, communicative, and genuinely invested in your success, Omar is the one. Highly recommended!

    Iris Urvina

    Iris Urvina

    9 months ago

    Omar is an exceptional broker who truly goes above and beyond. My sister and I were previously stuck in an unfair loan and felt discouraged, thinking we wouldn’t qualify for anything better given our financial situation. Omar took the time to carefully research our options and quickly found a solution that put us in a much better position. He made the entire process clear and stress-free, walking us through every question and detail. Even after closing, he continues to check in and guide us toward our future goals. We’re extremely grateful for his support and expertise!

    Amy Genao

    Amy Genao

    11 months ago

    Omar was referred to me from multiple friends as a top mortgage broker, and from our first conversation, I could see why. He listened to me patiently, asked insightful questions, and took the time to explain every detail in plain language. What really impressed me was how knowledgeable he is—not just about mortgages, but the broader financial landscape. Omar’s approach is proactive, thorough, and refreshingly human as he’s genuinely invested in helping his clients succeed. I’m grateful for his guidance and would wholeheartedly recommend Omar!

    Kensuke Yamamoto

    Kensuke Yamamoto

    2 weeks ago

    This was my second time working with Omar, and once again, he exceeded my expectations. I chose to work with him again because of the excellent experience I had the first time, and he continued to deliver outstanding service. From start to finish, Omar was incredibly responsive, professional, and easy to work with. Whenever I had a question, he replied quickly and always took the time to make sure I fully understood the answer. What really sets Omar apart is how well he guides his clients through the mortgage process. He clearly explained each step, kept me informed about what to expect next, and made sure I always knew where we were in the process. Buying or refinancing a home can be overwhelming, but Omar made everything feel smooth, organized, and stress-free. He was also very efficient and kept everything moving forward without unnecessary delays. I truly appreciated his patience, attention to detail, and commitment to providing exceptional customer service. It’s rare to find someone who is not only knowledgeable and efficient but also genuinely cares about making the experience as easy as possible for their clients. That’s why I came back to Omar a second time, and I wouldn’t hesitate to recommend him to anyone looking for a trustworthy, responsive, and dedicated mortgage broker. Thank you again, Omar, for another outstanding experience!

    Lycia Cardoso

    Lycia Cardoso

    4 months ago

    We had an excellent experience working with Omar for our HELOAN to secure the down payment on our second home. From start to finish, he demonstrated incredible knowledge and experience in navigating the lending process. He took the time to explain every detail clearly, answered all of our questions, and made sure we fully understood our options. What truly stood out was how committed he was to acting in our best interest as borrowers. He carefully evaluated different scenarios to ensure we were making the smartest financial decision for our family. We never felt rushed or pressured — just genuinely supported. On top of his professionalism, he is friendly, approachable, and easy to communicate with, which made what could have been a stressful process feel smooth and manageable. We are so grateful for his guidance and highly recommend him to anyone looking for a knowledgeable and trustworthy mortgage professional!

    Patrick Yrigoyen

    Patrick Yrigoyen

    9 months ago

    Working with Omar to purchase my first investment property was an absolute pleasure. The entire process was quick and painless, thanks to his professionalism and proactive approach. Omar asked for everything he needed upfront, which eliminated the usual back-and-forth and made the experience incredibly smooth. He kept us informed with timely updates and was always available to answer questions. One standout moment was when Omar flagged a property that was underinsured—his advice helped us avoid potential issues that could have surfaced down the line. That level of diligence and care truly sets him apart. If you're looking for a mortgage broker who is thorough, communicative, and genuinely invested in your success, Omar is the one. Highly recommended!

    Iris Urvina

    Iris Urvina

    9 months ago

    Omar is an exceptional broker who truly goes above and beyond. My sister and I were previously stuck in an unfair loan and felt discouraged, thinking we wouldn’t qualify for anything better given our financial situation. Omar took the time to carefully research our options and quickly found a solution that put us in a much better position. He made the entire process clear and stress-free, walking us through every question and detail. Even after closing, he continues to check in and guide us toward our future goals. We’re extremely grateful for his support and expertise!

    Amy Genao

    Amy Genao

    11 months ago

    Omar was referred to me from multiple friends as a top mortgage broker, and from our first conversation, I could see why. He listened to me patiently, asked insightful questions, and took the time to explain every detail in plain language. What really impressed me was how knowledgeable he is—not just about mortgages, but the broader financial landscape. Omar’s approach is proactive, thorough, and refreshingly human as he’s genuinely invested in helping his clients succeed. I’m grateful for his guidance and would wholeheartedly recommend Omar!

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