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Sophia Warner's Blog
Straight answers on buying, qualifying and choosing a loan in San Diego County.
Closing costs in San Diego County: who usually pays what
A who-pays-what table for San Diego County closing costs, seller-credit limits by loan type, CalHFA help, and cash-to-close planning for self-employed buyers.
Sophia WarnerSenior Loan Officer
4 CalHFA loan options for self-employed first-time buyers in California
Four CalHFA options compared for self-employed first-time buyers in California: who qualifies for each, what each costs later, and which one fits your income.
Sophia WarnerSenior Loan Officer4 loan options for seller credits: what each lets a seller pay
Seller credit caps for conventional, FHA, VA and USDA loans side by side, what counts toward each cap, and how to size your request before you write the offer.
Sophia WarnerSenior Loan OfficerEast County for self-employed buyers: limits, taxes, older homes
What self-employed buyers priced out of the coast should line up before an East County offer: 2026 loan limits, income proof, county property tax rules and older-home checks.
Sophia WarnerSenior Loan Officer