Rancho Santa Fe, California

Forty Years of
Exceptional
Mortgage Consulting

Norma Nelson-Wiberg has guided over 3,700 homeowners through every stage of the mortgage process — with the personal attention, underwriting expertise, and integrity that cannot be replicated at a bank. Over $3.4 billion originated since 2002.

Jumbo & Super Jumbo FHA & VA Reverse Renovation Bridge Private Money Commercial
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40+Years in Practice
3,700+Homeowners Served
$3.4B+Originated Since 2002
Areas of Expertise

Every Loan Type.
One Trusted Advisor.

Norma handles the full spectrum of residential lending — from first-time buyers to seasoned investors. Her command of underwriting guidelines means the right lender is identified before the process begins.

01

Jumbo & Super Jumbo

High-value residential lending with deep expertise in complex income structures, self-employed borrowers, and premium property financing throughout California.

Super JumboSelf-EmployedNon-QMPrimary & Investment
02

Government FHA & VA

First-time buyers, veterans, and those seeking lower down payment options — Norma navigates FHA and VA guidelines with precision and care.

FHAVAFirst-Time Buyers
03

Reverse Mortgage

Helping seniors unlock home equity with dignity and clarity. Norma provides thorough, personal guidance through every step of the reverse mortgage process.

HECMSeniors 62+Equity Access
04

Renovation Loans

Finance your home purchase and renovation in a single loan. Ideal for fixer-uppers and value-add properties throughout California.

FHA 203kFannie Mae HomeStyleRehab Loans
05

Bridge Loans

Short-term bridge financing for transitional situations — buying before selling, quick closes, and time-sensitive real estate transactions.

Bridge FinancingShort-TermQuick Close
06

Private Money

Non-traditional financing solutions for unique borrowers and scenarios — ideal when conventional lending criteria don't fit the situation.

Private MoneyHard Money
07

Commercial

Commercial real estate financing for investment properties, mixed-use buildings, and business real estate throughout California.

Commercial REMixed-UseInvestment
Norma Nelson-Wiberg, California Mortgage Advisor
$3.4BSince 2002
About Norma

Four Decades of
Customer Service

Since 1984, Norma Nelson-Wiberg has been one of the most respected mortgage advisors in Southern California — operating from Rancho Santa Fe with a practice built on discretion, precision, and an unwavering commitment to each client's best interests.

Her defining strength is an unmatched proficiency in income analysis and underwriting. Where other advisors rely on templates, Norma reads the full picture — identifying which lender will approve the right structure at the right terms before a single document is submitted. For self-employed borrowers and high-net-worth individuals with complex financials, this expertise is invaluable.

Over her career, Norma has personally originated more than $3.4 billion in loans since 2002 and guided over 3,700 clients through purchases, refinances, and everything in between. Every file is hers.

$3.4B+Originated Since 2002
40+Years Experience
3,700+Clients Served
100%Customer Service
Get in Touch

Ready to Talk?
Norma Will Call You.

Fill out the form above or reach out directly. Norma personally reviews every inquiry and will be in touch — no obligation, no pressure.

Call Her Today
(858) 354-4777

Mon–Fri · 9 AM – 5 PM PT

Send an Email
nwiberg52@gmail.com
Location
Rancho Santa Fe, CA

Serving All of California

How It Works
01
Submit the Inquiry
60 seconds
02
Norma Calls You
03
Review Your Options
No obligation, no pressure
04
Close With Confidence
Norma handles everything