M5 Financial

About M5 Financial

WHAT DOES M5 FINANCIAL DO? M5 Financial is an independent mortgage brokerage headquartered in San Diego, California. M5 Financial was established as a mortgage brokerage in 2023 by Enzo Morales and Sam Baugh, longtime business partners who have worked together since the early 2000s. Together, they bring decades of mortgage, real estate, lending, and business experience to the company. M5 was built around a simple idea: give great mortgage professionals access to better products, better technology, and better support so they can deliver a better experience to their clients. Through an extensive network of wholesale and lending partners, M5 Financial provides access to a broad range of financing solutions, including conventional, FHA, VA, jumbo, non-QM, DSCR, investment property, and other specialized mortgage programs. Our independence allows us to shop across multiple lending partners to find the right combination of product, pricing, and execution for each client's individual needs. But M5 Financial is about more than mortgages. We're building a company centered around relationships, opportunity, accountability, and long-term growth—for our clients, our referral partners, and our people. PEOPLE | SOLUTIONS | POSSIBILITIES M5 Financial | NMLS #2399488