San Diego mortgage rates
Amir Nurani · NMLS #197458 · (619) 366-9494
Get Pre-Approved (619) 366-9494
A published San Diego mortgage rate is not a lock. It is a teaser for a perfect file, not the number a wholesale lender will lock on your credit, down payment, loan type, occupancy, and property. We do not put a live rate table on this page; call (619) 366-9494.
Why is a published San Diego mortgage rate not a lock?
Most rate pages show a generic quote for a perfect file. They assume high credit, a large down payment, a certain loan type, and a lock that is not on your property. Your rate is the one a lender will lock on your credit, income, occupancy, and house.
We do not publish a live rate table here. A table would go stale and would not match your file. If you want a number you can use, start a pre-approval or call (619) 366-9494.
What actually changes your San Diego rate?
- Credit profile and how the file is documented
- Down payment and loan-to-value
- Loan type: conventional, high-balance, jumbo, VA, or FHA
- Occupancy and property type (house, condo, investment)
- Lock period and whether you are buying or refinancing
Under 20% down usually means mortgage insurance on conventional. That is a monthly cost, not just a rate change. Run a first pass on the mortgage calculator.
Left Coast Leaders is a San Diego mortgage broker. Licensed in California. Company NMLS 2394495. Amir Nurani NMLS 197458. We shop wholesale lenders on the same file. Speed depends on documents, not a website timer.
How do conventional, high-balance, and jumbo differ in 2026?
The bucket is the loan amount, not the list price. 2026 San Diego County 1-unit figures:
| Loan bucket | 1-unit loan amount |
|---|---|
| Baseline conforming | Up to $832,750 |
| High-cost / high-balance conforming | $832,751 through $1,104,000 |
| Jumbo (1-unit conventional) | Above $1,104,000 |
| VA full entitlement | Not capped by the old county VA limit |
| FHA typical down | 3.5% |
A larger down payment can pull a higher-priced home into high-balance conforming. Pricing is different in each bucket. We shop them on the same file. See high-balance loan San Diego and jumbo loan San Diego.
Why is VA and FHA pricing different?
VA and FHA are government-backed programs. They price on their own grids. VA with full entitlement is not capped by the old county VA limit. FHA typical minimum down is 3.5%, and mortgage insurance applies. Read VA loan San Diego and FHA loan San Diego.
How do I get my number instead of a teaser?
Two steps. Use the calculator to see payment pieces. Then get a pre-approval so we can shop wholesale lenders on your file. If you are writing an offer, the San Diego offer sheet puts a number on paper.
Comparing a refinance? Start on Refinance San Diego, cash-out refinance San Diego, or a HELOC. Same rule: no lock until there is a real file. First-time purchase path: first-time home buyer San Diego.
We work files in La Jolla, Chula Vista, Oceanside, Carlsbad, Coronado, El Cajon, Escondido, and Encinitas, plus Riverside County. Call (619) 366-9494.
Frequently asked questions
A published rate is a teaser for a perfect file that is not yours. A lock only happens on a real file with credit, down payment, loan type, occupancy, and the property. Call (619) 366-9494.
No. Locks only happen on a real file with Amir. This page is not a lock desk.
No. A table would go stale and would not match your file. We do not invent a San Diego mortgage rate on this page. Call (619) 366-9494 for a real number.
Sometimes. A bank prices its own products. We shop wholesale lenders on the same credit, down payment, and property. Send the quote and we will price the file. Call (619) 366-9494.
The bucket is loan amount, not list price. 2026 1-unit high-cost conforming in San Diego County is $1,104,000. Baseline is $832,750. High-balance is $832,751 through $1,104,000. Above $1,104,000 is generally jumbo.
No. VA and FHA use their own grids. VA with full entitlement is not capped by the old county VA limit. FHA typical down is 3.5%, and mortgage insurance applies.
Start a pre-approval so we can shop wholesale lenders on your file. Use the mortgage calculator for a payment sketch only. Call (619) 366-9494.
San Diego County and Riverside County. Left Coast Leaders is a San Diego mortgage broker. Company NMLS 2394495. Amir Nurani NMLS 197458.
Want a real number, not a teaser?
Get pre-approved. We shop the file. You see what your rate actually is.
Get Pre-ApprovedLeft Coast Leaders, Inc. · San Diego, CA 92111 · (619) 366-9494 · NMLS #2394495 · DRE #02191517 · Amir Nurani NMLS #197458 · Equal Housing Lender