Getting pre-approved
Where are you at with a lender?
- Haven't started
- Talked to one
- Already approved
Pre-qualified isn't pre-approved
A pre-qualification is a conversation. A pre-approval is a lender pulling your credit, reading your income and assets, and putting a number in writing. Sellers in San Diego treat the first as noise and the second as real. Get the second before you tour anything you'd actually buy.
Got your rate quote? Here's how to lower it.
Lower your monthly payment. Cover your closing costs. Keep more cash in the bank. With SelfCloze, the fee the seller pays your agent mostly comes back to you. You pay $0 up front, and if you don't buy, you pay nothing.
Get my rebate estimateBased on a $1M San Diego home where the seller offers 3% to the buyer's agent. Applied to closing costs first. How much can go to you beyond that depends on your loan. Estimate only, not a guarantee.
What the lender is actually looking at
Income you can document, debts that show on your credit, how much you have after the down payment, and how long you've had the job. The number they give you is a ceiling, not a target — what you can borrow and what you want to pay every month are two different questions.
Same house. Same agent help. $25K back.
The seller pays your agent. We keep a flat fee. You keep the rest.
See your numberBased on a $1M San Diego home where the seller offers 3% to the buyer's agent. Applied to closing costs first. How much can go to you beyond that depends on your loan. Estimate only, not a guarantee.