MORTGAGE QUALIFIER

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San Diego Market

North County homes
Market Volatility

2.2 MonthsInventory SupplyExtreme Seller's Market
12-Month Performance Track
$1.12MMedian DetachedHistorical Price Floor
Feb '25JunOctFeb '26
Trending for Buyers

Inventory has decreased 30% year-over-year. In this climate, buyers need to act within the first 14 days of a listing to secure a move-in-ready home.

© 2026 NORTH COUNTY REAL ESTATE DATA • SDMLS
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.

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Founder | CEO

MortgageWrite.com

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Every Day

15-Day Fast Track

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

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Every Story

Alternative Financing

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

💰

Every Dollar

100% Financing Available

Not having a down payment won’t stand in your way. We have grants and assistance programs.

"Roxana made the entire mortgage process so smooth … Read MoreRead Less
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"Roxana is amazing. She was always available for qu… Read MoreRead Less
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"I tried working with 3 other loan brokers and Roxa… Read MoreRead Less
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"MortgageWrite is undoubtedly a well-oiled machine … Read MoreRead Less
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"We are so fortunate to have dealt with Roxana and … Read MoreRead Less
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"We were drawn to MortgageWrite based on their repu… Read MoreRead Less
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"I am so completely thankful to have had this exper… Read MoreRead Less
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"Roxana Elbahou is so professional and knows so muc… Read MoreRead Less
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current
Market Data

Today's Mortgage Rates

Friday, February 27th 9:00am PST

Conforming Loan

30-Year Fixed

5.375%5.463% APR

Max loan: $832,750

High-Balance

30-Year Fixed

5.99%6.048% APR

Max loan: $1,249,125

Scenario Basis

  • ✓ 780+ FICO Score
  • ✓ 80% Loan-to-Value
  • ✓ CA Single Family Home
  • ✓ Primary Residence Purchase

MortgageWrite, Inc. DBA OfferWrite | Corporate NMLS #2248753 | Corporate CA DRE #02163046

Broker/Officer: Roxana Elbahou | NMLS #1601167 | DRE #01359292

Equal Housing Opportunity. Advertised rates and APRs are based on the scenario above and are subject to change without notice. The APR includes estimated closing costs and prepaid items; actual costs may vary based on your final loan terms. Licensed by the California Department of Real Estate. This information is for illustrative purposes only and does not constitute a commitment to lend.

Our Powerhouse Lender Network

We collaborate with trusted, proven lenders to deliver the best outcomes for you.

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TRRANSPARENT
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.

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PRE-APPROVAL LETTER

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LOWER MY RATE

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SELL MY HOUSE

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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.

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.

SEE THE
INSIGHTS

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The Strategy in Motion

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Advisor
Blog

Real-Life Insights

Expert Commentary by Licensed Advisors

Why It's Important To Work With A Realtor

When purchasing or selling a property, it is always a good idea to work with a professional, especially when it comes to the largest financial asset you own.Realtors can do everything from getting you… Read More

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

10 Top Reno's That Will Up the Sale Price of Your Home

When getting ready to sell your home, it can be hard to know what renovations will get your property sold the fastest and for the most amount of money. Should you replace your furnace or redo your kit… Read More

Quick Real Estate & Mortgage

Essential Resources

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