30-year fixed, sample
Sep 12
6.250%
APR 6.382%
A mortgage
you actually
understand.
40+ lenders compared
21-day average close
No hard credit pull to start
400 W Broadway, San Diego
Today’s rates,
before you have to ask.
30-year fixed
APR 6.382%
0.500 points, 45-day lock
Sample rate as of Friday, Sep 12, 2026
6.250%
30-year fixed
6.250%
6.382%
0.500
15-year fixed
5.625%
5.811%
0.500
5/6 ARM
5.875%
6.412%
0.250
FHA 30-year
5.990%
6.842%
0.375
VA 30-year
5.750%
5.968%
0.250
Jumbo 30-year
6.500%
6.574%
0.250
Sample rates for illustration, updated weekly, not a commitment to lend. APR includes estimated lender fees and prepaid interest. Rates change daily; a written Loan Estimate is the only binding quote.
Closing day, about 21 days after the offer
Twenty-one days
from offer to keys.
Five steps, one loan officer the whole way. These are the typical days for a Harborline purchase in 2026; appraisals and busy months can add a week.
1-3
days
Pre-approval
Tell us your income, savings and the price range you have in mind. We pull credit only with your permission, then send a letter your agent can attach to offers.
The letter is refreshed free while you shop
30
days on average
House hunting
Shop at your own pace. If a house needs a different price or loan type, your loan officer updates the letter the same day.
Updated letters within the hour, Monday to Saturday
1-2
days after the offer
Application and rate lock
Choose the lender with the best written quote, lock the rate and upload documents once, in one secure portal.
Loan Estimate in writing within three business days
14
days, typically
Underwriting
The lender checks income, assets and the appraisal. You get a Friday update every week and a plain answer when an underwriter asks for something.
One person answers your calls, not a queue
3-5
days
Closing
Read the Closing Disclosure three business days before you sign, sign with the escrow officer, and pick up the keys.
Most files close in 21 days from the accepted offer
Minimum down payment and credit score for each program, as of September 2026. Hover a loan to see who it tends to fit.
Conventional
Buyers with steady income and a credit score of 620 or higher
Down payment from
3%
Credit score from
620
FHA
First-time buyers and borrowers rebuilding their credit
Down payment from
3.5%
Credit score from
580
VA
Eligible veterans, service members and surviving spouses
Down payment from
0%
Credit score from
580
Jumbo
San Diego homes priced above the conforming loan limit
Down payment from
10%
Credit score from
700
Refinance
Homeowners lowering a rate, shortening a term or taking cash out
Down payment from
N/A
Credit score from
620
Self-Employed
Business owners and freelancers who qualify on 12 or 24 months of bank statements
Down payment from
10%
Credit score from
640
Programs, limits and minimums are examples for a demo brokerage. Lender guidelines change; your loan officer confirms what applies to your file.
North Park
142 loans closed
Point Loma
61 loans closed
La Mesa
88 loans closed
Chula Vista
97 loans closed
Counts are demo content for a fictional brokerage.
Example worksheet, not a quote
A $750,000 home
at $3,694 a month.
What a typical North Park purchase pencils out to at Friday’s sample rate, with 20% down on a 30-year fixed loan. Property taxes, insurance and HOA dues come on top, and your own numbers depend on credit, loan type and the day you lock.
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
$3,694.30
/mo
Estimate only, ask us for a real quote. This worksheet does not calculate your payment and is not a commitment to lend. Taxes, insurance, HOA dues and mortgage insurance are not included.
A bank quotes its own rates.
We ask 40+ lenders.
Wholesale lenders price the same borrower differently on the same morning. We send your file to the ones that fit, lay the written quotes side by side, and show our compensation on your Loan Estimate before you commit.
40+
wholesale lenders
Checked on every file, not only the first three that answer.
21
days, offer to close
Average across 2025 purchase files.
2,300
families financed
Since Rachel Kim opened the office in 2011.
$1.4B
in loans funded
Purchase, refinance and jumbo combined.
Figures are demo content for a fictional brokerage.
Each one holds a focus, from VA files to bank-statement loans. Whoever takes your first call is the person who hands you off to the escrow officer on closing day.
“We were outbid twice. Rachel had a new letter to our agent within the hour, and the third offer stuck.”
Illustrative demo review, 4.9 average across 880 (demo)
Questions.
Six we hear on almost every first call. The rest are answered line by line in the mortgage guides.
Does getting pre-approved hurt my credit?
Our first conversation uses no hard credit pull. When you are ready for a pre-approval letter, we run one credit check with your permission, and mortgage inquiries within a short shopping window are generally counted as one.
How is a broker different from a bank?
How does Harborline get paid?
How much do I need for a down payment?
Are the rates on this site real offers?
How long does it take to close?
Monday to Friday 8 AM-6 PM, Saturday by appointment