Carmel Pointe Condo Loans
Carmel Pointe gives buyers the opportunity to enjoy Carmel Valley living in a community with spaces designed for both recreation and relaxation. Residents have access to a swimming pool and spa, fitness center, clubhouse, and barbecue area, providing convenient options for exercising, gathering, or spending time outdoors. The community’s landscaped grounds and low-rise residential setting add to its comfortable neighborhood atmosphere.
Carmel Pointe is also considered a non-warrantable condo project, which can limit financing with many traditional lenders. At Pizarro Mortgage, we specialize in non-warrantable condo financing and help buyers navigate both the financing process and purchase strategy when buying in the building.
About Carmel Pointe
3824 Elijah Court
San Diego, CA 92130
Carmel Pointe is located in San Diego’s Carmel Valley neighborhood near Carmel Valley Community Park and the shopping and dining options at Del Mar Highlands Town Center. Interstate 5 and State Route 56 are also nearby, providing access to Del Mar, Torrey Pines, Sorrento Valley, and other parts of San Diego County. The community is also within a short drive of the beaches along the North County coastline.
Built in 2002, Carmel Pointe is a 200-unit condominium community composed primarily of three-story residential buildings. The community offers one-, two-, and three-bedroom floor plans ranging from approximately 704 to 1,387 square feet. Confirmed amenities include a swimming pool, spa, fitness center, clubhouse, study room, barbecue area, and landscaped common areas.
Price: $550K – $950K
HOA Dues: $350 – $500/mo
Carmel Pointe Amenities
Pool & Spa
Resort-style pool
& spa
Fitness Center
On-site gym & wellness facilities
Clubhouse
Social gathering for residents
Carmel Pointe Condos for Sale & Financing
Browse the latest Carmel Pointe condos for sale in San Diego. Listings update automatically, making it easy to explore available condos, compare prices, and learn about financing options before scheduling a showing.
Carmel Pointe Loan Options
For buyers purchasing in Carmel Pointe, specialized non-warrantable condo financing may provide more flexible options than traditional condo loans.
Condo Purchase
Primary, second home & investment condo loans
Condo Refinance
Rate & term and cash-out refinance solutions
Condo HELOC
Access condo equity without refinancing
Alternative Loans
Bank statement, asset-based & DSCR financing
Non-Warrantable Condo Financing Features
Specialized financing for Carmel Pointe, including options that many traditional lenders don't offer.
15% Down Available
Loan Amounts Up to $5M
Bank Statement Programs
Repair Issues Accepted
Litigation Accepted
Budget Issues Accepted
Primary Residence
Second Home
Investment Property
How We Help Carmel Pointe Buyers
Pre-Approval Review
Review credit, income, and assets so you can shop confidently.
Condo Project Review
Review HOA, litigation, budget, reserves and condo project eligibility.
Offer Strategy
Help structure a competitive offer with financing in mind.
Financing + Guidance
One point of contact for financing and purchase guidance.
Frequently Asked Questions
Yes. Carmel Pointe is generally considered a non-warrantable condo project, which may limit financing with some traditional lenders.
Yes. Financing options may still be available depending on the condo project review, borrower profile, and loan program.
Carmel Pointe offers one-, two-, and three-bedroom condos. Pricing varies based on floor plan, square footage, location within the community, views, upgrades, and current market conditions. Browse the live Carmel Pointe condo listings above to see the latest condos available and current asking prices.
Down payment requirements vary depending on the financing program and borrower profile.
Yes. Investment financing options may be available depending on the loan program and condo project review.
In some cases, yes. Condo HELOC options may be available depending on borrower profile and project eligibility.
Yes. Because Pizarro Mortgage is also a real estate brokerage, we can help guide buyers through both financing and the purchase process.
Working with a lender familiar with non-warrantable condos and condo project financing may help avoid surprises during escrow.
Ready to buy at Carmel Pointe?
Whether you're purchasing your first condo, a second home, or an investment property, we'll help you understand your financing options before you make an offer.
