U.S. Bank Home Mortgage makes dream homes reality in Rancho Santa Fe


When buyers can’t find their dream homes, they turn to John Hicks and Nathan Jones. Specializing in lot and construction financing, the pair have helped build eight custom homes and financed more than $2 billion in loans.

“We’ve developed a niche,” said Jones, who works alongside Hicks at U.S. Bank in Rancho Santa Fe. “We understand the language. We understand our clients’ needs.”

As mortgage loan originators for U.S. Bank, Jones and Hicks offer a variety of mortgage products and work with clients throughout San Diego County. Because of their experience with lot and construction financing, as well as jumbo home loans, the two have particularly built a client base in Rancho Santa Fe, 4S Ranch, Carmel Valley and surrounding communities.

“It can be a very complicated process, especially when you’re doing a construction loan,” said Jones, who has been with U.S. Bank for three years and in the industry for 11 years. Hicks has been in the business 23 years.

“Our role is to be educated, so we can guide our clients through the process as smoothly as possible. We pride ourselves on being more educated than our competition.”

In addition to providing exceptional service, Jones said staff members at the local branch build enduring relationships with clients. He and Hicks have helped many of their clients find new homes after they have outgrown their first home.

“It’s very rewarding to take someone from the beginning stages to the end when they get to move into their new home,” Jones said.

The U.S. Bank branch in Rancho Santa Fe is located at 16083 San Dieguito Road, Suite F1.

To contact Jones and Hicks, call 858-254-0955, or email or

For more information about U.S. Bank Home Mortgage, visit


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