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Sophia Warner's Blog
Straight answers on buying, qualifying and choosing a loan in San Diego County.
CalHFA MyHome San Diego: who qualifies, what it costs
How CalHFA MyHome works for San Diego first-time buyers: how much it covers, the $259,000 county income limit, repayment, and options if you're self-employed.
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 OfficerSelf-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 OfficerVA loans near Pendleton and Miramar for self-employed buyers
How a VA loan works near Pendleton and Miramar: zero down, the funding fee, how entitlement sets your limit, and what self-employed income a VA lender counts.
Sophia WarnerSenior Loan Officer