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CURRENT

Market Data

Today's 30-Year Fixed Mortgage Rate

Monday, March 23 2026 2:10pm PDT

Conforming Loan

5.99%

6.014% APR

Max Loan: $832,750

High-Balance

6.625%

6.626% APR

Max Loan: $1,249,125

MortgageWrite, Inc. DBA OfferWrite | Corporate NMLS #2248753 | Corporate CA DRE #02163046

Broker/Officer: Roxana Elbahou | NMLS #1601167 | DRE #01359292

Equal Housing Opportunity. Advertised rates and APRs are based on the scenario above and are subject to change without notice. The APR includes estimated closing costs and prepaid items; actual costs may vary based on your final loan terms. Licensed by the California Department of Real Estate. This information is for illustrative purposes only and does not constitute a commitment to lend.

Legacy

From the Bay to the Beach

Trusted Partner
Since 2001

From the 2001 boom through the 2008 crash and beyond, we have remained a steady partner for California homeowners. More than just a broker, we are a North County San Diego staple with over 2,100 successful closings across the state.

25Years

Expertise

📅

Every Day

15-Day Fast Track

Whether your scenario is complex or traditional, we pride ourselves on speed—closing loans in 15 days.

📚

Every Story

Alternative Financing

Qualify with Bank Statements or Rental Income. We help borrowers even when its non-traditional.

💰

Every Dollar

100% Financing Available

Maximum leverage with low-to-no down payment options for qualified buyers and veterans.

"So happy I connected with Roxana! She was professi… Read MoreRead Less

"Roxana made the entire mortgage process so smooth … Read MoreRead Less

"Roxana is amazing. She was always available for qu… Read MoreRead Less

"I tried working with 3 other loan brokers and Roxa… Read MoreRead Less

"MortgageWrite is undoubtedly a well-oiled machine … Read MoreRead Less

"We are so fortunate to have dealt with Roxana and … Read MoreRead Less

"We were drawn to MortgageWrite based on their repu… Read MoreRead Less

"I am so completely thankful to have had this exper… Read MoreRead Less

NEWS

Live Advisory Feed

North County Market
Spring 2026 Inventory Update

San Diego County • March 23, 2026

1.9 MonthsAvailable SupplyCRITICAL SHORTAGE

$1.21MMedian Detached Price+4.2% SEASONAL GAIN

Institutional Grade Partnerships

Our Powerhouse Lender Network

We collaborate with trusted, proven lenders to deliver the most competitive outcomes and elite execution for our clients.

TRANSPARENT

Flat Fees

FEE STRUCTURE

Simple & Fair

Keep Your Cash at Closing

Our broker compensation is a flat 1%. To minimize your out-of-pocket costs, we typically utilize Lender-Paid Compensation, where our fee is covered by the lender instead of being paid at closing.

*Note: This ensures your rate remains highly competitive through our deep investor network. Lender fees guaranteed under $1,500.

Get Pre-Approved

The Smart Move

Sell For More, Pay Way Less

We offer a straightforward 1.5% commission for listings or buyer representation. Choosing our flat-fee model over the traditional 3% significantly increases your net cash at closing.

Buyer Advantage

Our 1.5% rate makes your offers stand out when requesting commission credits.

List or Buy with Us

03

PRE-APPROVAL LETTER

01

LOWER MY RATE

04

SELL MY HOUSE

02

PULL OUT EQUITY

Serving All of California

A Clear
Path Forward

Your first call includes a full review of your financial situation: income and credit so you know exactly what you qualify for—with zero surprises at the finish line. Or if you're selling, what your net will look like.

What can we help you with?

Market

Knowledge is Equity

Master the
Strategy

Empowering your homeownership journey starts with the right information. We’ve paired exclusive property tours with deep-dive analysis on California mortgage rates to give you a competitive edge. Explore our latest advisor-written insights below to discover the how and when of modern real estate.

SEE THE
INSIGHTS

4 #mortgage

13 2 Where it begins…

Advisor

Blog

Real-Life Insights

Expert Commentary by Licensed Advisors

Things You Shouldn't Do When Buying a Home

With a never ending list of everything you ‘should do’ when purchasing a home, it seems counterproductive to focus on what you should not do. But being aware of the dont’s is just as important as the… Read More

Should I Rent or Buy a Home?

Purchasing a home will inevitably be the biggest financial discussion of your life. And the decision as to whether it is the right time to purchase a home depends on a number of factors. And it is not… Read More

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