6.250%
APR 6.382%
Sample rate for illustration, not a commitment to lend.
A home loan
you can explain
to a friend.
- 35+ lenders compared
- Closings in about three weeks
- No hard credit check to begin
- 812 Larkspur Row, San Diego
The rate board,
posted before you call.
Each Friday we price one sample borrower (760 score, 20% down, owner-occupied house) across the whole lender panel. What you are offered hinges on your own file, and the figure always arrives in writing.
6.250%
| Loan | Note | Rate | APR | Points |
|---|---|---|---|---|
| 30-year fixed | 45-day lock | 6.250% | 6.382% | 0.500 |
| 15-year fixed | 45-day lock | 5.625% | 5.811% | 0.500 |
| 5/6 ARM | Fixed for 5 years | 5.875% | 6.412% | 0.250 |
| FHA 30-year | APR includes MIP | 5.990% | 6.842% | 0.375 |
| VA 30-year | APR includes funding fee | 5.750% | 5.968% | 0.250 |
| Jumbo 30-year | Above the county loan limit | 6.500% | 6.574% | 0.250 |
These sample rates are for illustration only and refresh weekly. APR adds estimated lender charges and prepaid interest on top of the note rate. Pricing shifts daily, so a written Loan Estimate is the only quote that binds us.
Open the full rate board
Closing day: roughly three weeks after the offer
About three weeks
from accepted offer
to move-in day.
Five stages, and the same loan officer at every one. Our usual calendar for a 2026 home purchase; appraisal delays or crowded months can add roughly a week.
-
1–3 days
Pre-approval
We run one credit inquiry with your consent and hand you a letter your agent can attach to any offer.
Letter updates are free while you shop
-
30 days on average
House hunting
If the house you want needs a different price or loan, your officer revises the letter the same day.
Same-day letter changes, Monday to Saturday
-
1–2 days after the offer
Application and rate lock
Pick the lender whose written quote is lowest, lock your rate, and upload paperwork a single time through our secure portal.
Written Loan Estimate inside three business days
-
14 days, typically
Underwriting
Underwriting reviews your income, savings and the home's appraisal. Expect a status note every Friday and a straight explanation whenever underwriting asks for more.
One officer picks up, never a call queue
-
3–5 days
Closing
Read the Closing Disclosure three business days early, sign at the escrow office, and pick up your keys.
A typical file funds three weeks after acceptance
Six loan programs,
one local team.
Lowest down payment and credit score we see for each program, current to September 2026.
Compare all programs side by side
Minimums shown are typical starting points. Programs shift over time; your officer will confirm which rules apply to you.
Where we helped
buyers close in 2025.
Four neighborhoods where we closed purchase loans last year, all within about half an hour of the office.
North Park
142 loans closed
Point Loma
61 loans closed
La Mesa
88 loans closed
Chula Vista
97 loans closed
Example worksheet, not a quote
A $750,000 home costs
about $3,694 a month to finance.
What a typical North Park purchase looks like on paper: 20% down, a 30-year fixed loan and Friday's sample rate. Property tax, insurance and association dues come on top, and your actual numbers hinge on credit score, program and lock date.
Purchase worksheet
Sep 12, 2026- Home price
- $750,000
- Down payment, 20%
- −$150,000
- Loan amount
- $600,000
- Sample rate, 30-year fixed
- 6.250%
APR 6.382% - Term
- 360 months
Principal and interest
$3,694.30 /mo
Illustration only: no taxes, insurance, HOA dues or mortgage insurance are included, and nothing here is an offer to lend.
A bank sells one menu. We shop dozens of them.
Your file goes to the lenders best matched to it. We compare their written quotes line by line and show you our own compensation on the Loan Estimate before you commit.
35+
wholesale lenders
Compared on every file, not just the first few to reply.
21
days, offer to close
Typical across our 2025 purchases.
1,900
families financed
Since the office opened in 2011.
$0.9B
in loans funded
Across purchase, refinance and jumbo loans.
Four officers,
one steady point of contact.
Each officer focuses on a niche, whether VA files or bank-statement loans. Whoever picks up your first call stays on your file until closing day, when the escrow officer takes over.
"Two offers fell through, but Claire sent our agent a fresh letter that same afternoon, and the third one was accepted."
Dana and Luis M., first home in North Park
FHA 30-year, closed in 19 days
Shared with permission
Common questions,
answered up front.
More detail lives in our mortgage guides.
No — our first call involves no hard credit check at all. Once you'd like a letter, we run a single credit inquiry with your permission, and bureaus usually bundle mortgage inquiries from a short house-hunting stretch into one.
A broker shops your file to 35+ wholesale lenders, compares their written quotes side by side and recommends the lowest-cost option.
The lender you choose pays us a fixed fee after funding, and the precise figure shows in your Loan Estimate paperwork before you sign. That fee never steers our recommendation toward one lender or another.
It comes down to the program: VA needs 0%, conventional starts at 3%, FHA at 3.5%, and jumbo plus bank-statement loans begin at 10%. On your first call we also add up closing costs, reserves and any assistance you may qualify for.
No — each rate here is an illustration sample, repriced every Friday for a single borrower profile. What you pay hinges on credit score, down payment, property type and lock date; nothing counts as a quote except a written Loan Estimate.
Our 2025 purchases usually funded about three weeks after acceptance. Appraisals, title work and busy seasons can add a week, and your officer flags the likely timeline before you lock.
812 Larkspur Row, Suite 300, San Diego
Monday to Friday 8 AM–6 PM, Saturday by appointment
Book a short
fifteen-minute call.
No hard credit check to begin. A pre-approval is not a commitment to lend, and every loan is subject to credit, income and property approval.