Step 01
Study the situation
Income, credit, assets, debt, property, timeline. The film tells you what's possible before anyone talks about rate.
About Curb 31
Coaching people through big decisions.
Mortgage broker. Real estate professional. Football coach. Entrepreneur. Community educator.
I've spent my life helping people prepare for moments that matter.
On the field, that means film, repetition, and a plan the team believes in. In mortgages, it means the same thing: nobody should sign the biggest financial document of their life because a commercial told them the rate was good.
Curb 31 exists because most borrowers never get a second opinion. They get one quote, one payment number, and a lot of pressure to lock. I'd rather hand you the whole scoreboard — rate, APR, points, fees, credits, payment, and cash to close — and let you decide with real information.
Sometimes that review confirms your current lender did a good job. That's a win too. What I'm asking for is the chance to compete, not blind loyalty.
I'm not asking you to believe a commercial. I'm asking you to compare the numbers.
Off the field
The Philosophy
Same approach, different field
Step 02
Understand the opponent
Fees, margins, and marketing. Knowing how pricing is built is how you spot a quote that only looks good.
Step 03
Know the clock
Lock periods, contract dates, and market movement. Timing decides how much strategy you actually have.
Step 04
Build the right strategy
The play has to fit the personnel. Your loan should fit your life, not a lender's product of the month.
Step 05
Execute the play
Preapproval to funding, on the dates promised. Communication is part of the execution, not an extra.
Before you lock, let Curb 31 compete
Let's build your game plan together.
Upload a Loan Estimate, book a mortgage strategy review, or start an application. Three plays — pick one.
No obligation to switch lenders simply by requesting a comparison.