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
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
East 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
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