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Today's 30-Year Fixed

Limits to $832,750

5.75%
5.777% APR

Limits to $1,249,125

6.25%
6.777% APR
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✓780+ FICO
✓Single-Family
✓Primary Res
✓California
✓80% LTV
MortgageWrite, Inc. DBA OfferWrite | NMLS #2248753 | CA DRE #02163046
Broker/Officer: Roxana Elbahou | NMLS #1601167 | DRE #01359292
"So happy I connected with Roxana! She was professional, kind, and incredibly fast throughout the pro…
"Roxana made the entire mortgage process so smooth and stress-free! She was always available to answe…
"Roxana is amazing. She was always available for questions. Patiently answering each one. Despite how…
"I tried working with 3 other loan brokers and Roxana stood out. She made sure I felt informed on my …
"MortgageWrite is undoubtedly a well-oiled machine with a wealth of knowledge. The team operates with…
"We are so fortunate to have dealt with Roxana and her team with our home purchase. My husband and I …
"We were drawn to MortgageWrite based on their reputation for providing an "easy and smooth" loan pro…
"I am so completely thankful to have had this experience with Roxana Elbahou at MortgageWrite, Inc. w…
"Roxana Elbahou is so professional and knows so much about Real Estate and Mortgage. She is so easy t…
Trusted
Partner
Trusted
broker
Rocket
Legacy

From the Bay to the Beach

Trusted Partner
Since 2001

From the 2001 boom through the 2008 crash and beyond, we have remained a steady partner for California homeowners. More than just a broker, we are a North County San Diego staple with over 2,100 successful closings across the state.

25Years
Expertise
📅

Every Day

15-Day Fast Track

Whether your scenario is complex or traditional, we pride ourselves on speed—closing loans in 15 days.

📚

Every Story

Alternative Financing

Qualify with Bank Statements or Rental Income. We help borrowers even when its non-traditional.

💰

Every Dollar

100% Financing Available

Maximize your buying power with programs that allow for zero down payment on eligible homes.

TRANSPARENT
Flat Fees

FEE STRUCTURE

Simple & Fair

Keep Your Cash at Closing

Our broker compensation is a flat 1%. To minimize your out-of-pocket costs, we typically utilize Lender-Paid Compensation, where our fee is covered by the lender instead of being paid at closing.

*Note: This ensures your rate remains highly competitive through our deep investor network. Lender fees guaranteed under $1,500.
The Smart Move

Sell For More, Pay Way Less

We offer a straightforward 1.5% commission for listings or buyer representation. Choosing our flat-fee model over the traditional 3% significantly increases your net cash at closing.

Buyer Advantage

Our 1.5% rate makes your offers stand out when requesting commission credits.

03

PRE-APPROVAL LETTER

01

LOWER MY RATE

04

SELL MY HOUSE

02

PULL OUT EQUITY

Serving All of California

A Clear
Path Forward

Your first call includes a full review of your financial situation: income and credit so you know exactly what you qualify for—with zero surprises at the finish line. Or if you're selling, what your net will look like.

NEWS
Live Advisory Feed

North County Market
April 2026 Housing Update

San Diego County • April 18, 2026
2.5 MonthsAvailable Supply
$1.167MMedian Detached Price

As of April 18, inventory remains low at 2.5 months. Detached home prices are holding firm, with properly priced listings in Carlsbad moving in roughly 15 days.

Connect with a Real Estate AdvisorConnect Today
Institutional Grade Partnerships

Our Powerhouse Lender Network

We collaborate with trusted, proven lenders to deliver the most competitive outcomes and elite execution for our clients.

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Market

Knowledge is Equity

Master the
Strategy

Empowering your homeownership journey starts with the right information. We’ve paired exclusive property tours with deep-dive analysis on California mortgage rates to give you a competitive edge. Explore our latest advisor-written insights below to discover the how and when of modern real estate.

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INSIGHTS

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Advisor
Blog

Real-Life Insights

Expert Commentary by Licensed Advisors

Things You Shouldn't Do When Buying a Home

With a never ending list of everything you ‘should do’ when purchasing a home, it seems counterproductive to focus on what you should not do. But being aware of the dont’s is just as important as the… Read More

Should I Rent or Buy a Home?

Purchasing a home will inevitably be the biggest financial discussion of your life. And the decision as to whether it is the right time to purchase a home depends on a number of factors. And it is not… Read More

Quick Real Estate & Mortgage

Essential Resources

  • CAREER WITH US
  • ADVISOR TRAINING
  • REFINANCE APPLICATION
  • PRE-APPROVAL LETTER
  • REALTOR PARTNERS
  • CONTACT US