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Pam and Scott


Wenhe Mortgage & Realty is committed to providing clients and realtors with the highest quality financial services combined with the lowest rates and fastest turn times available in California. Wenhe Mortgage and Realty is the trusted source for California homebuyer’s and homeowner’s real estate transactions. We work with the leading lenders in the industry to provide you the most aggressive rates available. 

Further Information

We specialize in Conventional loans, FHA/VA loans and Jumbo loans. What sets us apart from retail banks and direct lenders? As a mortgage broker, we do not have the overhead expenses that direct lenders and retail banks have. We take those savings and share them directly with you in the form of lower rates and loan costs! Additionally, our turn-around times are extremely fast.

Our loan files often fund between 21-30 days and we communicate directly with the underwriters to ensure a smooth and hassle-free loan transaction. We help people throughout California purchase and refinance real estate. Our friendly office offers you a no-obligation mortgage consultation to see how we can help you. Whether you are purchasing your first home, vacation home, investment property or looking to refinance your current mortgage – we are here to help. To learn more about the excellent services we provide, contact us today.

We pride ourselves on our customer service. We are in constant contact with you throughout the loan process to make sure you have frequent updates on the loan status. When you have questions, you will be speaking directly with us, not an assistant and you will get an immediate response.

To speak directly with us simply give a call or feel free to utilize any of the interactive tools offered throughout the site. We are available during the weekend for consultation and pre-approval letters for your purchase offers.

We look forward to the opportunity to earn your business.

Interested In Working With US?

Apply Today.

Some of

Our Clients

“Pam and Scott are a great team to work with. Pam worked with us over 2 years while we decided if we wanted to stop renting and buy a condo. We stared and stopped this process 3 times and she just went along with us. Scott helped me with my loan. He worked so hard for me, much like figuring out the house figuring out the loan was no easier. He worked many late nights for me and was always around to answer my questions. I could text or call him after 5pm and had 99% chance of getting a response. I will use them if I ever get another house.”

  • Marc W.

“Wenhe Mortgage makes buying and/or refinancing a home as painless as possible. They really do make it easy and simple. Knowledgeable, friendly and quick from start to finish. Scott was on top of it during every step in the process. Definitely will use them again if needed in the future.”

  • Kevin M.

“Absolutely amazing experience with Pam Wenhe. Her industry knowledge was very beneficial in our search as we were 1st time home buyers and we truly could not have asked for more. Pam was not pushy at all and added so much value with each listing we saw asking questions we would not have thought to and pointing out pros/cons of homes that a 1st time home buyer may miss. Overall I would recommend (and have) Pam to anyone and if/when we look at properties in the future she will be the first person we call.”

  • Zac U.

“Thank you!  We are so thrilled with your professionalism and service.  It is not often when you have someone who is truly in your court.  Through the whole sell/buy experience you have had our backs and have been amazing at answering questions and keeping us on the right path.  We will shout your name from the rooftops as the go to guy when you need a mortgage.  Thanks until the next one.”

  • Debra S.

“Scott makes obtaining a loan painless. So efficient, knowledgeable and professional. Always a pleasure to work with. He is always available to answer any questions we may have.”

  • Pam B.

I dealt with Scott on a refinance of my mortgage. I couldn’t be happier with the results. I was unaware of how today’s market and lender’s policies have changed, but Scott helped guide me through the frustration of current lender requirements as best as anyone could. Truly a professional in his field

  • Wilson N.

“I have worked with Pam and Scott on multiple occasions now and my expectations have been met and exceeded on every transaction. Most recently Pam listed a home for me and sold it in two days for $20K over asking. She was extremely knowledgeable on the current market conditions and pivotal in formulating an exit strategy. Having professionals like Pam and Scott available makes real estate fun. Honest nice folks that put in the work to make things happen.”

  • Mary A.

“Pam Wenhe is a realtor with no equal. She knows the San Diego real estate market so well that we placed our complete trust in her ability to accomplish everything, from listing to closing. Pam’s personality, professionalism and integrity is what sets her apart. Coupled with Scott’s knowledge of  all the technicalities of the mortgage process makes for a remarkable team.”

  • Dray R.

“Pam made us feel comfortable from the moment we met her. Some people you just feel comfortable with immediately…like someone you’ve known for a long time. She took the time to understand exactly what we were looking for and spent a lot of time with us searching for the perfect home. She helped  us find the home we wanted quickly and without a lot of drama. We appreciated her and will use her again in the future without hesitation.”

  • D. K. Barneson

“We met Pam this summer while looking for a possible home for the future and we had various conflicting ideas of what we wanted. Pam helped us hone-in on we wanted and what we didn’t. She took us to various beach neighborhoods and to look at different types of houses and condos, as well as sorted  through places online. I like her patient manner, and she knew if might take a long time for us to figure out what we wanted as we left for home 3000 miles a away. When the perfect place came on the market she contacted us and helped us through a long process of multiple offers and negotiations. She also was our “eyes” for viewing, inspections, and even work the sellers had to do. We really felt that she was on our side and part of our team.”

  • Cinta B.

We were from out of area and in no particular hurry because we wanted to find just the right house/neighbourhood. Pam was very patient with and over almost a year of contact and several days of tours we refined our mutual understanding of what was going to work for us. Pam found us the perfect  home and worked very hard on our behalf to make the purchase happen. Pam is not only extremely knowledgeable but totally honest, reliable and even fun! We think we were lucky to have found her and wouldn’t consider using anyone else in the future.”

  • J. Bill

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