San Diego mortgage rates
Amir Nurani · NMLS #197458 · (619) 366-9494
Get Pre-Approved (619) 366-9494
San Diego mortgage rates move daily and depend on credit, down payment, loan type, and property. A broker shops multiple wholesale lenders so you see a real number for your file, not a teaser rate.
Why are today's rate pages usually not your rate?
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, 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We do not publish a live rate table here.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, multi-unit)
- 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.
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 |
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 the San Diego mortgage broker page for how that works.
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?
Two steps. Use the calculator to see payment pieces (principal, tax, insurance). 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 helps you put a number on paper.
Comparing a refinance? Start on Refinance San Diego. Same rule: no lock until there is a real file.
We work files in La Jolla, Chula Vista, Oceanside, Carlsbad, Coronado, El Cajon, Escondido, and Encinitas.
Frequently asked questions
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.
No. Locks only happen on a real file with Amir.
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