About Our Team

Lending is a Relationship, Not a Transaction


We have worked together for over 30 years,
bringing together over 100 years of combined real estate experience.

John McColl

Cole Francis

Steve Kuptz

A Tribute to Our Parents and Families

Our Foundation.

Each of us stand on the shoulders of our parents and our families.  Our personal foundation is grounded in a commitment to faith, family and friends.


Our Commitment.

The example of commitment that our parents made to each other has carried through to our commitment to both our personal and professional relationships.


Our Values.

Work is important and what we do matters – but how we do it matters most. We pride ourselves on doing things right and doing the right thing.


Active in Our Community.

We are honored to support organizations in the community where we work and live including San Diego Legacy Foundation, St. Paul’s Manor New Vision, Wakeland Housing and Development, and the Wounded Warrior Foundation.

Get a quote that
you can trust

Call us at
858-229-7799 or
619-980-8977 for a quote.