EL Cortez Condo Loans
El Cortez offers a distinctive downtown San Diego lifestyle in a historic landmark setting. Residents enjoy the character of a beautifully preserved building, convenient access to Balboa Park, and the walkable energy of the Cortez Hill neighborhood near downtown restaurants, cafés, entertainment, and cultural attractions.
El Cortez 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 El Cortez
702 Ash Street
San Diego, CA 92101
El Cortez is located at 702 Ash Street in San Diego’s Cortez Hill neighborhood, just north of downtown and near Balboa Park. Its elevated location provides convenient access to downtown employment, restaurants, entertainment, public transportation, major freeways, and the surrounding urban neighborhoods.
Originally completed in 1927, El Cortez is a historic 16-story condominium building with 86 residential units. The building was designed in the Spanish Renaissance Revival style and was converted from its historic hotel use into condominiums in 2004. Its signature rooftop “El Cortez” sign and landmark architecture remain defining features of the community.
Price: $400K – $1M
HOA Dues: $1,300 – $1,500/mo
El Cortez Amenities
Pool & Spa
Resort-style pool
& spa
Fitness Center
On-site gym & wellness facilities
Patios
Large patios for residents
El Cortez Condos for Sale & Financing
Browse the latest El Cortez 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.
El Cortez Loan Options
For buyers purchasing in El Cortez, 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 El Cortez, 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 El Cortez 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. El Cortez 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.
El Cortez includes a variety of condominium floor plans, with available residences differing in bedroom count, bathroom count, square footage, views, and interior layout. Availability changes over time, so review the live El Cortez condo listings above for current floor plans, asking prices, and property details.
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 El Cortez?
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.
