Sophia Warner's Blog
Straight answers on buying, qualifying and choosing a loan in San Diego County.
Removing PMI from a conventional loan: a step checklist
A five-step checklist for dropping PMI on a conventional loan: find your CFPB 80% and 78% marks, ask in writing, weigh an appraisal and confirm it stopped.
Sophia WarnerSenior Loan Officer
San Diego's 2026 conforming limit: size the loan, not the house
In California, San Diego County's 2026 one-unit conforming limit is $1,104,000. How that loan-size line sorts conforming, jumbo, government-backed and bank-statement options for self-employed buyers.
Sophia WarnerSenior Loan Officer
Tax season mortgage papers: which year the lender reads
A six-step tax-season checklist for self-employed buyers: which year the lender reads, returns or transcripts, Form 4506-C, bank statements and Loan Estimate.
Sophia WarnerSenior Loan Officer
Self-employed in San Diego: what to line up for a spring purchase
A San Diego broker on what self-employed buyers can prepare before spring: 2026 loan limits, a March prep timeline, and when waiting is the better call.
Sophia WarnerSenior Loan Officer
Two Loan Estimates, line by line: what to compare
Five steps for comparing two Loan Estimates across pages 1 and 2, written for self-employed buyers, with a side-by-side table and a check on which fees can still change.
Sophia WarnerSenior Loan Officer