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Lifting the curtain on mortgage lending
Top 10 Oakland Eateries: Bang for your Buck Edition

Top 10 Oakland Eateries: Bang for your Buck Edition

Whether it be the rent, gas, bar tabs or dining out, the Bay Area is not known for being inexpensive. And it’s not just San Francisco. For the last decade Oakland has rivaled all other Bay Area cities in growth and exorbitant pricing for all things. As an East Bay...

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A House Hunter’s Guide

A House Hunter’s Guide

House hunting is widely considered the most exciting stage of the homebuying process, but it can also be quite stressful. Potential homebuyers typically have an idea of the items they may want in a home, the essentials they need in a home, and the non-desirables that...

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Ready to find your lowest rate?

SELFi empowers you to save the most money on your new home purchase or mortgage refinance.

DIY Refi

  • Low wholesale mortgage rates
  • Quick and secure online application
  • SELFi Mortgage Coach to guide you

Second Look

  • Solutions for tough to qualify
  • Independent mortgage advice
  • Loans down to 500 credit score

Low Down Payment

  • 5% down Conforming
  • Independent mortgage advice
  • Underwritten pre-approval
Providing Clarity on Mortgage Insurance

Providing Clarity on Mortgage Insurance

There can be a multitude of expenses when buying a home. Whether it be the down payment or the closing costs, the appraisal or various inspections, all fees and factors can certainly add up. In many cases homebuyers will also have to pay mortgage insurance. It would...

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3 Questions to Consider Before Refinancing

3 Questions to Consider Before Refinancing

With so many monetary factors currently in flux one thing has remained consistent and evident during the pandemic: U.S. homeowners are refinancing in record numbers.  Mortgage refinancing is up by 98% from November 2019 to November 2020, with the average mortgage...

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Conforming loan limits to increase again in 2021

Conforming loan limits to increase again in 2021

For the fifth consecutive year, the Federal Housing Finance Agency (FHFA) increased loan limits for Fannie Mae and Freddie Mac backed mortgages. The conforming loan limit will jump from $510,400 to $548,250. For high cost areas, like the Bay Area, the loan limit will...

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Conforming loan limits to increase again in 2020

Conforming loan limits to increase again in 2020

For the fourth consecutive year, the Federal Housing Finance Agency (FHFA) increased loan limits for Fannie Mae and Freddie Mac backed mortgages. The conforming loan limit will jump from $484,350 to $510,400. For high cost areas, like the Bay Area, the loan limit will...

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Top 3 Mistakes Homeowners Make when Refinancing

Top 3 Mistakes Homeowners Make when Refinancing

  Number 1: You choose the wrong company It's as simple as that. According to the CFPB, 47% of mortgage applicants fail to shop around for their mortgage. Most often, homeowners will refinance with their existing lender, thinking that lender will offer the best...

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SELFi vs. Better Mortgage: Who’s better?

SELFi vs. Better Mortgage: Who’s better?

Here's how SELFi compares to Better Mortgage: 1. Interest Rates Let's cut right to the chase. First, how the business models differ: SELFi is a marketplace that shops wholesale interest rates across 15 lending partners, using an algorithm to match the lowest rate...

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How to buy a home in Oakland with 3% down

How to buy a home in Oakland with 3% down

Often the biggest misconception of first-time home-buyers is the down payment. Some think it’s 20%, others think it’s 0%. Here's the real deal: For mortgages $484,350 and below, there are two programs called HomeReady and HomePossible. There are some minor differences...

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SELFi vs. LendingTree: Comparison

SELFi vs. LendingTree: Comparison

Everyone knows that comparison shopping saves them money, yet when it comes to mortgages, many people don't. According to a report by the CFPB and Federal Housing Agency, 50% of consumers failed to shop around with mortgage companies before applying. Furthermore, 75%...

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Do you know about wholesale interest rates?

Do you know about wholesale interest rates?

I always tell people, the biggest competition for SELFi is consumer misunderstanding. The more knowledgeable a customer is about mortgage rates, the more likely SELFi will earn his or her business. So we are in the education business just as much as the mortgage...

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