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 estimate*Up to $30K is an estimate on a home priced around $1.03M or more where the seller offers 3% to the buyer's agent, on the $999 plan. Your amount depends on the price, what the seller offers, and your loan. Most lenders apply a credit to closing costs first. Estimates 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. Up to $30K back.
The seller pays your agent. We keep a flat fee. You keep the rest.
See your number*Up to $30K is an estimate on a home priced around $1.03M or more where the seller offers 3% to the buyer's agent, on the $999 plan. Your amount depends on the price, what the seller offers, and your loan. Most lenders apply a credit to closing costs first. Estimates only, not a guarantee.