Eric Matz Real Estate Team | Finance
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Meet our Preferred Lender, Phil Joseph

Not all residential lenders are created equally. The Eric Matz Real Estate team recommends all buyers get pre-qualified and all sellers cross-qualify with Phil Joseph. His proactive approach and meticulous follow up has repeatedly saved our clients money and time.

Phil Joseph is a graduate of San Diego State University with a BS degree in Finance. Phil is currently Branch Manager and Senior Loan Officer for Sierra Pacific Mortgage – Rancho Bernardo Branch. With over 21 years in lending and a team of 5 staff members he is able to offer all mortgage products, including conventional, VA, FHA and Jumbo’s, with the highest level of service and integrity. In his spare time, he enjoys golfing, hiking and traveling.


Phil Joseph, NMLS# 249549

11770 Bernardo Plaza Court #451, San Diego, CA 92128


Phone: (619) 507-3558

Start a Home Loan Application and Lock in a Great Rate!

Our Clients love working with Phil Joseph

Our team is at your service.


Contact us anytime for support at (619) 507-3558. Even if you are already working with another lender, give us a call and we will happily answer your home financing questions. No pressure. Just great service.

Sierra Pacific Mortgage Company, with headquarters in Folsom, California, provides quality mortgage lending services throughout the United States.


Incorporated in 1986, we are a privately held company and have originated and purchased billions of dollars in residential loans. Licensed in 49 states, our high company production levels and access to sophisticated capital markets enable us to deliver competitively priced products to brokers, retail originators and consumers through retail, wholesale and correspondent business channels.


We are a nationwide direct lender offering a full assortment of residential lending programs, including FHA, VA, USDA, CalHFA, state bond programs, conventional conforming and jumbo loan programs. We are an approved seller/servicer for Fannie Mae and Freddie Mac.


Licensed under the CA DBO/RMLA #8171148
Not Licensed in the state of New York.We are an Equal Housing Lender