Her Story
Your Trusted Mortgage Expert in San Diego County
With over 20 years of experience in the mortgage industry, Celina Tominna has built a reputation as one of San Diego County's most trusted and dedicated loan officers. She is proud to serve clients throughout California with a rare combination of deep industry knowledge, genuine empathy, and an unwavering commitment to doing right by every family she works with.
Celina's journey in mortgage lending began over two decades ago, driven by a simple but powerful belief: that homeownership is one of the most transformative investments a person can make — and that everyone deserves a knowledgeable advocate in their corner to help them get there.
"I believe success comes from doing what you love and offering it to others. I'm fortunate to do exactly that — helping families achieve the dream of homeownership every single day."
Fluent in both English and Spanish, Celina is deeply passionate about serving the diverse communities of San Diego County. She believes that language should never be a barrier to financial opportunity. By communicating clearly and warmly in Spanish, she ensures that her Spanish-speaking clients feel fully informed, confident, and never left in the dark at any stage of the process.
While Celina works with a wide variety of borrowers — from seasoned investors to self-employed professionals to foreign nationals — she holds a special place in her heart for first-time homebuyers. She understands that purchasing a home for the first time can feel equal parts exhilarating and overwhelming, and she takes pride in turning that anxiety into confidence through patient, personalized guidance.
Celina is currently a Senior Mortgage Loan Officer at Finest City Homes & Loans, where she brings her expertise and client-first philosophy to bear every single day.
Specialties & Expertise
Celina has deep experience across a broad range of loan programs, allowing her to match every client with the solution that best fits their needs and goals:
- 🏠 FHA Loans — Low down payment, flexible credit requirements
- 🎖️ VA Loans — Zero-down options for veterans & active military
- 🏡 Conventional Loans — Primary, second home, and investment
- 📈 DSCR Loans — Income-based qualifying for investors
- 🌍 Foreign National Loans — U.S. property for international buyers
- 🤝 First-Time Homebuyer Programs
- 💬 Bilingual Consultations (English & Spanish)
The Celina Difference
Personalized Strategy
No two clients are the same. Celina builds a custom approach for every borrower based on their unique financial picture and goals.
Full Transparency
Clear communication from day one. You'll always know exactly where your loan stands and what to expect next.
Efficient Execution
With 20+ years of experience, Celina knows how to navigate challenges and close loans on time — even in complex situations.
Relationship for Life
Celina's clients don't just get a loan — they gain a trusted advisor for every real estate finance decision they'll ever make.