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Derek Emmen is a loan officer with ReNew Lending who brings a hospitality-driven, people-first approach to mortgage lending. With a strong focus on personal connection and clear communication, Derek works to make the loan process feel smooth, organized, and supportive, so clients know what to expect and feel confident from application through closing.
Derek is known for building real relationships and delivering a high-touch experience, whether you’re buying your first home, moving up, or refinancing. Outside of work, he enjoys lifting weights, golfing, and taking advantage of the outdoor San Diego lifestyle.
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We are a team of dedicated mortgage professionals committed to simplifying the home financing process. Whether you're a first-time buyer, looking to refinance, or investing in property, our experienced team provides personalized guidance every step of the way. At ReNew Lending, we believe everyone deserves a clear path to homeownership.
Our mission is to empower individuals and families to achieve their homeownership dreams through transparent, efficient, and compassionate mortgage lending. We strive to be the most trusted name in home financing.
We combine cutting-edge technology with personalized service. Our loan officers are not just processors — they are advisors who take the time to understand your unique situation and find the right solution for your needs.
We genuinely care about every client's financial well-being and treat each transaction as if it were our own.
We build lasting relationships through honesty, transparency, and ethical practices in every interaction.
We simplify the complex mortgage process, ensuring our clients understand every step of their journey.
We are driven by a mission to make homeownership accessible and achievable for every family we serve.
We succeed as a team — collaborating with clients, partners, and each other to deliver exceptional results.
"ReNew Lending made my home purchase incredibly smooth from application to funding. The process was simple, efficient, and stress-free with clear communication and a great rate. They delivered exactly what they promised and made the entire transaction easy. I would absolutely use ReNew Lending again."
John B.
"ReNew Lending made the entire home loan process easy and straightforward. Their communication was excellent and the team kept everything moving smoothly. From start to finish, they delivered exactly what they promised."
Michael R.
"Working with ReNew Lending was a great experience. The team was knowledgeable, responsive, and always available to answer questions. They made the financing process clear and stress-free."
Sarah T.
"ReNew Lending exceeded my expectations. They were organized, professional, and kept the transaction on track from beginning to end. Our loan closed on time and everything went exactly as planned."
David L.
"The team at ReNew Lending provided exceptional service throughout our home purchase. They explained every step clearly and made sure we felt comfortable and confident during the process."
Jennifer M.
"ReNew Lending is a lender you can trust. Their team worked quickly, communicated well, and made sure every detail was handled properly. The entire experience was smooth and efficient."
Brian K.
"I highly recommend ReNew Lending. Their professionalism, attention to detail, and dedication to their clients made our mortgage process seamless. We always felt like we were in great hands."
Amanda S.
Get a clear picture of your borrowing power with a quick, no-obligation assessment.
Complete your formal loan application with guided support every step of the way.
Our team verifies your documents, orders the appraisal, and prepares your file.
A thorough review of your file to ensure everything meets lending guidelines.
Receive your clear-to-close and finalize the details for your closing day.
Sign the final documents and receive the keys to your new home!
Get a clear picture of your borrowing power with a quick, no-obligation assessment.
Complete your formal loan application with guided support every step of the way.
Our team verifies your documents, orders the appraisal, and prepares your file.
A thorough review of your file to ensure everything meets lending guidelines.
Receive your clear-to-close and finalize the details for your closing day.
Sign the final documents and receive the keys to your new home!
From first-time buyers to experienced investors, we have flexible financing solutions tailored to your goals.
Traditional agency financing through Fannie Mae and Freddie Mac with competitive rates and flexible terms.
Ideal for first-time and repeat homebuyers seeking low down payment options and flexible credit guidelines.
Exclusive benefits for eligible veterans, active duty service members, and surviving spouses.
100% financing for eligible borrowers purchasing homes in USDA-designated rural and suburban areas.
Programs designed to help qualified borrowers with down payment and closing cost assistance.
Designed for self-employed borrowers who use alternative income documentation.
Financing for high-value properties that exceed conforming loan limits.
Investment property financing primarily based on property cash flow rather than personal income.
Mortgage financing options for borrowers using an Individual Taxpayer Identification Number (ITIN).
Mortgage financing options for non-U.S. citizens purchasing property in the United States.
Specialized financing programs designed for real estate investors, including those with multiple properties.
Qualify by converting eligible assets into qualifying income rather than using traditional employment income.
Find your perfect loan program and take the next step toward homeownership.
ReNew Lending partners with builders, real estate agents, and employers to create better outcomes for everyone involved in the home buying process.
Whether you're buying your first home, refinancing, or just learning the basics, these guides will help you navigate the mortgage process with confidence.
Calculate your monthly mortgage payment and discover how extra payments can save you thousands.
Discover your monthly payment and savings potential
Auto-calculated based on state rate
Auto-calculated based on home value
Estimated Monthly Payment
$2,026
Principal & Interest + Taxes + Insurance + HOA
Loan Amount
$280,000
Total Interest
$357,125
over the life of the loan
With one extra payment per year:
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