What is a mortgage broker?

A mortgage broker is a licensed originator who shops your loan across multiple wholesale lenders instead of offering a single institution's pricing. Curb 31 structures the file, compares available programs, and manages the loan to closing.

How does Curb 31 compare mortgage pricing?

We review your Loan Estimate line by line — interest rate, APR, discount points, origination charges, lender credits, monthly principal and interest, and estimated cash to close — then show you what Curb 31 can structure for the same scenario on the same day.

Do I have to switch lenders?

No. Requesting a comparison creates no obligation. Many borrowers use the review to confirm their existing quote is strong, and that is a completely acceptable outcome.

What is a Loan Estimate?

A Loan Estimate is a standardized three-page federal disclosure your lender must provide after you apply. It summarizes loan terms, projected payments, closing costs, and cash to close, which makes it the cleanest document for an apples-to-apples comparison.

Does submitting my Loan Estimate obligate me to use Curb 31?

No. Uploading a Loan Estimate is a request for a comparison. It is not a loan application, it does not lock a rate, and it does not commit you to anything.

What information should I remove before uploading?

Feel free to redact your Social Security number, date of birth, and account numbers. We only need the loan terms, projected payments, closing cost details, and cash-to-close pages.

Can Curb 31 help with FHA loans?

Yes. Program availability depends on borrower qualification, property eligibility, and current lender guidelines, and we will tell you plainly when a different program fits your situation better.

Can I refinance through Curb 31?

Yes. We review your current mortgage, your goals, and the full cost of any new financing before recommending whether a refinance makes sense.

Can I work with Curb 31 if I already have a Realtor?

Absolutely. We work alongside your agent, keep them updated through each milestone, and never ask you to change representation.

Can Realtors send borrowers to Curb 31?

Yes. Agents can submit a buyer matchup with the borrower's permission and we will run the comparison, communicate quickly, and keep the agent informed.

What affects mortgage interest rates?

Bond market movement, loan program, loan amount, occupancy, property type, credit profile, loan-to-value, lock period, points paid, and overall market conditions all influence pricing, and rates can change multiple times in a single day.

APR expresses the cost of financing as a yearly rate that includes certain fees and finance charges in addition to the interest rate. It is useful for comparison, but it should be read alongside points, credits, fees, and cash to close.

What are mortgage points?

Discount points are prepaid interest used to buy down your rate. One point equals one percent of the loan amount. Whether points make sense depends on how long you plan to keep the loan.

Does Curb 31 guarantee the lowest rate?

No. Mortgage pricing varies by borrower, loan product, property, market conditions, and timing. Curb 31's offer is to compete and help borrowers compare available options.

Empty football stadium at dusk with yard lines lit by stadium lights

The Curb 31 Mortgage Playbook

Don't lock your mortgage without a game plan.

Curb 31 has aggressively reduced its mortgage broker compensation to compete for your business. If you already have a mortgage quote or Loan Estimate from a bank, credit union, online lender, or another mortgage broker, give Curb 31 the opportunity to review the numbers before you lock.

Send My Loan Estimate Get My Mortgage Game Plan

Beat the quote — let the numbers compete.

No obligation to switch lenders
Same-day quote reviews
Purchase-focused execution

Current Lender

VS.

Curb 31

— —Interest Rate— —
— —APR— —
— —Points— —
— —Lender Fees— —
— —Estimated Monthly Payment— —
— —Cash to Close— —

Let the numbers compete.

Sample layout. Curb 31 does not promise the lowest rate — we ask for the chance to compete.

Already have a Loan Estimate?

Send it to Curb 31 and let us run the matchup.

Put My Quote on the Scoreboard

The Matchup

Example Scenario

Illustrative Example — Not a Rate Quote

Example shown for educational and comparison purposes only. Actual rates, APRs, points, lender credits, fees, payments, and cash-to-close amounts depend on borrower qualifications, property characteristics, loan program, market conditions, and pricing available when a rate is locked. This example is not a commitment to lend or a guarantee that Curb 31 will beat another lender's pricing.

Current Lender vs. Curb 31

Illustrative example

Purchase Price: $875,000Loan Amount: $700,000Down Payment: 20%Loan Type: 30-Year Fixed ConventionalOccupancy: Primary ResidenceCredit Profile: Strong-credit borrower

CategoryCurrent LenderCurb 31

Interest Rate6.750%6.375%
APR6.930%6.500%
Discount Points1.00 / $7,0000.25 / $1,750
Origination Fee$3,500$1,500
Lender Credit$0$0
Monthly Principal & InterestApprox. $4,540Approx. $4,367
Estimated Cash to CloseApprox. $191,000Approx. $183,750

Interest Rate
Current Lender:6.750%
Curb 31 Example:6.375%
APR
Current Lender:6.930%
Curb 31 Example:6.500%
Discount Points
Current Lender:1.00 / $7,000
Curb 31 Example:0.25 / $1,750
Origination Fee
Current Lender:$3,500
Curb 31 Example:$1,500
Lender Credit
Current Lender:$0
Curb 31 Example:$0
Monthly Principal & Interest
Current Lender:Approx. $4,540
Curb 31 Example:Approx. $4,367
Estimated Cash to Close
Current Lender:Approx. $191,000
Curb 31 Example:Approx. $183,750

These assumptions are hypothetical.

Look at the Scoreboard.

APPROX. $173

Lower Monthly Principal & Interest

APPROX. $7,250

Lower Upfront Costs in This Illustration

In this illustrative scenario, shopping the mortgage structure — not just the advertised rate — could mean a lower monthly payment and less cash required at closing.

That's why you shop the mortgage — not just the house.

Coach's Film Study

Two lenders can look at the same borrower, the same house, and the same loan amount — and produce very different pricing. Rate matters, but so do APR, points, lender fees, credits, and cash to close.

That's why Curb 31 wants to see the entire Loan Estimate.

Don't listen to the commercial.

Look at the scoreboard.

Already have a Loan Estimate?

Upload your existing Loan Estimate and give Curb 31 an opportunity to run the matchup.

Upload My Loan Estimate Get My Mortgage Game Plan

No obligation to change lenders simply by requesting a comparison.

Important comparison note: For a meaningful mortgage comparison, consumers should compare similar loan scenarios, including the same loan type, loan amount, property, occupancy, lock period, and borrower profile. Interest rate alone does not determine the total cost of a mortgage.

Put your real quote on the scoreboard.

The example above is hypothetical. Your numbers are what matter. Upload your Loan Estimate and let Curb 31 compare the actual rate, APR, points, lender fees, credits, payment, and estimated cash to close.

Run My Real Matchup

Primary Lead Form

Run the Matchup

Takes about two minutes. No credit pull, no obligation to switch lenders.

First name *

Last name *

Phone *

Email *

Purchase or refinance *

Property state *

Property ZIP code *

Estimated purchase price or home value *

Estimated loan amount *

Down payment amount or percentageOptional

Estimated credit score range *

Current lenderIf applicable

Current quoted rateOptional

Realtor nameOptional

Desired closing dateOptional

Anything we should know?Optional

Upload Your Loan EstimatePDF, JPG, or PNG — up to 10MB

Before uploading, feel free to black out your Social Security number, account numbers, and date of birth. We only need the pricing and fee pages.

Yes, Curb 31 may contact me by phone, text, and email about my mortgage request. This is not a loan application and does not obligate me to switch lenders. *Yes, send me mortgage education and Curb 31 updates.

Let the numbers compete. Curb 31 does not guarantee the lowest rate in every scenario.

Appointment Booking

Book Your Mortgage Film Study

A short, focused strategy call. No pressure, no sales script — we pull up the numbers and walk through them together so you know exactly what you are signing.

Your goals and timeline
Your existing quote
Loan structure
Interest rate
APR
Points
Lender and third-party fees
Down payment
Monthly payment
Estimated cash to close
Potential alternatives

Book My Mortgage Review

Scheduler slot

Calendar booking connects here. Until then, call or send the matchup form and we'll set the time.

Watch the Film

Mortgage coaching on tape

Real breakdowns of Loan Estimates, rate structure, and buyer strategy — built for Reels, Shorts, and TikTok.

Watch the Film

Film Study: How to read a Loan Estimate in 90 seconds

Video coming soon — embed slot ready.

Mortgage Playbook Clips

Beat the Quote
Points vs. Credits
APR Explained
First Down
Red Zone Closing
Two-Minute Drill

The Weekly Schedule

MON
Monday Film Study
TUE
Mortgage Playbook
WED
Coach's Chalkboard
THU
Beat the Quote
FRI
Red Zone
SAT
Game Day Mortgage Minute
SUN
Sunday Game Plan

Enter the Film Room

The Playbook

Every borrower needs a different play

You don't call the same play against every defense. Income, credit, assets, debt, property, and timeline all change the call.

Play 01

Film Study

A full Loan Estimate and mortgage review.

Play 02

Rate Matchup

Your current lender's pricing against Curb 31 pricing.

Play 03

First Down

Preapproval and your first step toward homeownership.

Play 04

Red Zone

Under contract and preparing to close.

Play 05

Two-Minute Drill

Time-sensitive mortgage execution.

Play 06

Touchdown

Funded mortgage, keys in hand.

Open the Full Playbook

Chalkboard football play diagram with Xs, Os, and route lines

Coach's Chalkboard

Every loan needs the right play call.

The lowest advertised rate is not necessarily the best mortgage. Curb 31 evaluates the complete structure.

Rate
APR
Fees
Points
Credits
Payment
Cash to Close
Long-Term Strategy

Build My Game Plan

Client Experience

The Scoreboard

What California homebuyers say about working with Curb 31.

Great mortgage service is more than a rate. It's communication, strategy, execution, and helping the borrower understand every play.

Oakland, CaliforniaHome Purchase

“I understood the game plan from beginning to end.”

Curb 31 made the mortgage process feel much easier to understand. Instead of just throwing numbers at me, everything was broken down so I could see the rate, fees, payment, and overall strategy. The communication was strong throughout the process, and I felt like I understood the game plan from beginning to end.

31Oakland HomebuyerVerified client

San Francisco, CaliforniaMortgage Comparison

“They helped me understand what was actually on the scoreboard.”

I already had a quote from another lender, but Curb 31 encouraged me to compare the complete Loan Estimate instead of focusing on one number. That conversation gave me a much better understanding of APR, points, lender fees, and cash to close. I appreciated having someone willing to explain the numbers instead of simply trying to sell me a loan.

31San Francisco HomebuyerVerified client

Milpitas, CaliforniaPurchase / Preapproval

“We always knew what the next step was.”

The process felt more like having a coach than dealing with a traditional mortgage company. Curb 31 helped us understand what we needed to do, what documents mattered, and how the financing fit into our overall homebuying plan. We always knew what the next step was.

31Milpitas HomebuyerVerified client

Bakersfield, CaliforniaMortgage Strategy

“The goal was to help me make the right financial play.”

What stood out to me was the education. Curb 31 took time to explain different mortgage options and how the payment, down payment, and closing costs worked together. I never felt rushed into making a decision. I felt like the goal was to help me make the right financial play for my situation.

31Bakersfield HomebuyerVerified client