Welcome to M5 Financial - Ken Reed

Who We Are

My journey as a Mortgage Professional began over two decades ago, drawing on a solid foundation established during my previous experiences in the US Air Force and the healthcare industry. I proudly served as a Medic in the US Air Force from 1995 to 2001, where I learned the values of dedication, precision, and genuine care for people’s well-being.

In 2001, I transitioned into the world of mortgage lending, and I’ve dedicated myself to helping individuals and families make one of the most important decisions of their lives. If honesty, availability, genuine caring, and meticulous attention to detail are important to you and your family, you’ve found the right person to guide you through this journey.

I take immense pride in my work and am honored to have been recognized as a 5 Star Mortgage Professional for an unprecedented thirteen years in a row. This achievement places me in the top 1% of loan officers nationwide, a testament to my unwavering commitment to excellence. The Five Star Mortgage Professional program is the most extensive and widely acknowledged mortgage award program in North America, encompassing over 40 major markets.

My primary goal is to provide you with exceptional service and the information you need to make well-informed decisions about your home loan. I prioritize building long-lasting relationships with my clients, grounded in trust and our mutual commitment to achieving your homeownership goals.

Outside of my professional life, I am a devoted husband and father of three wonderful boys. I also have the joy of being a grandparent to three lovely grandchildren. In my leisure time, I have a passion for restoring classic cars and currently own a 1967 Ford Bronco. When I’m not working, being a dad and husband, or restoring cars, I coach my youngest son in sports, specifically football and baseball. Spending quality time with friends and family brings me immense happiness.

Thank you for considering me as your Mortgage Professional. I’m here to guide you through the mortgage process with care, expertise, and a genuine commitment to your financial well-being.


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What We Do

Ken Reed is a Senior Mortgage Advisor located in San Diego, California. He has been in the Mortgage Industry for over 20 years and specializes in residential home loans for families in California.

VA Loans

FHA Loans

Conventional Loans

Jumbo Loans

Portfolio Loans

FHA 203k Loans

Foreign National Loans

And Much, Much More!

What our clients are saying

Yelp 5 stars

David H.

24/7 access to the best loan officer in San Diego!
Ken is the best loan officer out of the many (in excess of 10) loan officers I have used over the years. I will not use another. He has a lot of experience while offering timely and accurate responses. He is not like other LO's that take hiatuses when you need them the most. Go with Ken and you wont regret it!

Google 5 stars

Gabrielle Hazan

Ken is extremely knowledgable. He offers prompt service and competitive home loans. He truly cares about his clients. Its an honor to work with Ken.

Scotsman Guide Top Originator 2022
five star 2024 award
top 1 percent mortgage originator
FAM Scotsman Guide Top Originator Email Banners 2022_v1