Formation
Conventional
Fannie Mae and Freddie Mac financing. Flexible terms, competitive pricing, and mortgage insurance that can be removed as equity builds.
Purchase Financing
Build your home-buying game plan.
Preapproval, program selection, and pricing strategy — structured before you write an offer, not after.
The Formations
Loan programs we work with
Formation
FHA
Government-insured financing with lower down payment and more flexible credit guidelines. Mortgage insurance rules differ from conventional.
Formation
VA (where offered)
For eligible veterans, active duty, and qualifying spouses. Often no down payment required and no monthly mortgage insurance.
Formation
Jumbo (where offered)
Loan amounts above conforming limits, common in California. Guidelines vary by investor and typically require stronger reserves.
Formation
First-Time Buyer Options
Low down payment programs and gift-fund strategies structured around your actual savings picture.
Formation
Investment Property (where offered)
Financing for rental and non-owner-occupied property, including options that focus on the property's income.
Coach's Notes
Mortgage basics worth knowing
Preapproval is your huddle
A real preapproval reviews income, assets, and credit — not just a soft calculator. It tells sellers you can execute.
Rate is one number of seven
APR, points, credits, fees, payment, and cash to close all move together. Changing one changes the others.
Cash to close is the real budget
Down payment plus closing costs, prepaids, and escrows. We map this early so nothing surprises you at signing.
Timeline drives the play call
A 21-day close and a 60-day close are different games. We build the loan around your contract dates.
The Comparison
Already have a preapproval elsewhere?
The Matchup
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Interest Rate
Current Lender— —Curb 31— —APR
Current Lender— —Curb 31— —Points
Current Lender— —Curb 31— —Lender Fees
Current Lender— —Curb 31— —Estimated Monthly Payment
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Current Lender— —Curb 31— —
Don't listen to the commercial.
Look at the scoreboard.
Your side-by-side numbers are completed with you during your Film Study. Curb 31 does not guarantee the lowest rate — we ask for the chance to compete.
Program availability is subject to borrower qualification, property eligibility, investor guidelines, and market conditions, and may change without notice. Not all borrowers will qualify. Preapproval is not a commitment to lend.
Before you lock, let Curb 31 compete
Get preapproved with a plan, not a guess.
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.