Play 01
Film Study
A full Loan Estimate and mortgage review.
The Curb 31 Mortgage Playbook
Don't lock your mortgage without a game plan.
Curb 31 has aggressively reduced its mortgage broker compensation to compete for your business. If you already have a mortgage quote or Loan Estimate from a bank, credit union, online lender, or another mortgage broker, give Curb 31 the opportunity to review the numbers before you lock.
Beat the quote — let the numbers compete.
- No obligation to switch lenders
- Same-day quote reviews
- Purchase-focused execution
Current Lender
VS.
Curb 31
- 6.750%Interest Rate6.375%
- 6.930%APR6.500%
- 1.00 PointPoints0.25 Points
- $3,500Lender Fees$1,500
- $4,540Estimated Monthly Payment$4,367
- $191,000Cash to Close$183,750
Let the numbers compete.
Illustrative example only. Curb 31 does not guarantee the lowest rate or lowest-cost loan. Actual rates, APR, points, fees, payments, and cash to close depend on the individual loan scenario.
Already have a Loan Estimate?
Send it to Curb 31 and let us run the matchup.
The Matchup
Current Lender vs. Curb 31
Illustrative Example
Example based on a hypothetical $700,000, 30-year fixed conventional mortgage. Actual pricing varies by borrower, property, loan program, market conditions, and lock timing.
Current Lender vs. Curb 31
Illustrative example
Purchase Price: $875,000Loan Amount: $700,000Down Payment: 20%Loan Type: 30-Year Fixed ConventionalOccupancy: Primary ResidenceCredit Profile: Strong-credit borrower
CategoryCurrent LenderCurb 31
- Interest Rate6.750%6.375%
- APR6.930%6.500%
- Points1.00 Point0.25 Points
- Lender Fees$3,500$1,500
- Estimated Monthly Payment$4,540$4,367
- Cash to Close$191,000$183,750
Interest Rate
Current Lender6.750%Curb 316.375%APR
Current Lender6.930%Curb 316.500%Points
Current Lender1.00 PointCurb 310.25 PointsLender Fees
Current Lender$3,500Curb 31$1,500Estimated Monthly Payment
Current Lender$4,540Curb 31$4,367Cash to Close
Current Lender$191,000Curb 31$183,750
In this example
Approx. $173
Lower Monthly Payment
Approx. $7,250
Less Cash to Close
Let the numbers compete.
Illustrative example only. Curb 31 does not guarantee the lowest rate or lowest-cost loan. Actual rates, APR, points, fees, payments, and cash to close depend on the individual loan scenario.
Coach's Film Study
Two lenders can look at the same borrower, the same house, and the same loan amount — and produce very different pricing. Rate matters, but so do APR, points, lender fees, credits, and cash to close.
That's why Curb 31 wants to see the entire Loan Estimate.
Don't listen to the commercial.
Look at the scoreboard.
Already have a Loan Estimate?
Upload your existing Loan Estimate and give Curb 31 an opportunity to run the matchup.
No obligation to change lenders simply by requesting a comparison.
Important comparison note: For a meaningful mortgage comparison, consumers should compare similar loan scenarios, including the same loan type, loan amount, property, occupancy, lock period, and borrower profile. Interest rate alone does not determine the total cost of a mortgage.
Put your real quote on the scoreboard.
The example above is hypothetical. Your numbers are what matter. Upload your Loan Estimate and let Curb 31 compare the actual rate, APR, points, lender fees, credits, payment, and estimated cash to close.
Run My Real MatchupAppointment Booking
Book Your Mortgage Film Study
A short, focused strategy call. No pressure, no sales script — we pull up the numbers and walk through them together so you know exactly what you are signing.
- Your goals and timeline
- Your existing quote
- Loan structure
- Interest rate
- APR
- Points
- Lender and third-party fees
- Down payment
- Monthly payment
- Estimated cash to close
- Potential alternatives
Watch the Film
Mortgage coaching on tape
Real breakdowns of Loan Estimates, rate structure, and buyer strategy — built for Reels, Shorts, and TikTok.
Watch the Film
Film Study: How to read a Loan Estimate in 90 seconds
Video coming soon — embed slot ready.
Mortgage Playbook Clips
Beat the Quote
Points vs. Credits
APR Explained
First Down
Red Zone Closing
Two-Minute Drill
The Weekly Schedule
MON
Monday Film Study
TUE
Mortgage Playbook
WED
Coach's Chalkboard
THU
Beat the Quote
FRI
Red Zone
SAT
Game Day Mortgage Minute
SUN
Sunday Game Plan
The Playbook
Every borrower needs a different play
You don't call the same play against every defense. Income, credit, assets, debt, property, and timeline all change the call.
Play 02
Rate Matchup
Your current lender's pricing against Curb 31 pricing.
Play 03
First Down
Preapproval and your first step toward homeownership.
Play 04
Red Zone
Under contract and preparing to close.
Play 05
Two-Minute Drill
Time-sensitive mortgage execution.
Play 06
Touchdown
Funded mortgage, keys in hand.
Coach's Chalkboard
Every loan needs the right play call.
The lowest advertised rate is not necessarily the best mortgage. Curb 31 evaluates the complete structure.
- Rate
- APR
- Fees
- Points
- Credits
- Payment
- Cash to Close
- Long-Term Strategy
Client Experience
The Scoreboard
What California homebuyers say about working with Curb 31.
Great mortgage service is more than a rate. It's communication, strategy, execution, and helping the borrower understand every play.
Oakland, CaliforniaHome Purchase
“I understood the game plan from beginning to end.”
Curb 31 made the mortgage process feel much easier to understand. Instead of just throwing numbers at me, everything was broken down so I could see the rate, fees, payment, and overall strategy. The communication was strong throughout the process, and I felt like I understood the game plan from beginning to end.
31Oakland HomebuyerVerified client
San Francisco, CaliforniaMortgage Comparison
“They helped me understand what was actually on the scoreboard.”
I already had a quote from another lender, but Curb 31 encouraged me to compare the complete Loan Estimate instead of focusing on one number. That conversation gave me a much better understanding of APR, points, lender fees, and cash to close. I appreciated having someone willing to explain the numbers instead of simply trying to sell me a loan.
31San Francisco HomebuyerVerified client
Milpitas, CaliforniaPurchase / Preapproval
“We always knew what the next step was.”
The process felt more like having a coach than dealing with a traditional mortgage company. Curb 31 helped us understand what we needed to do, what documents mattered, and how the financing fit into our overall homebuying plan. We always knew what the next step was.
31Milpitas HomebuyerVerified client
Bakersfield, CaliforniaMortgage Strategy
“The goal was to help me make the right financial play.”
What stood out to me was the education. Curb 31 took time to explain different mortgage options and how the payment, down payment, and closing costs worked together. I never felt rushed into making a decision. I felt like the goal was to help me make the right financial play for my situation.
31Bakersfield HomebuyerVerified client
Oakland, CaliforniaHome Purchase
“I understood the game plan from beginning to end.”
Curb 31 made the mortgage process feel much easier to understand. Instead of just throwing numbers at me, everything was broken down so I could see the rate, fees, payment, and overall strategy. The communication was strong throughout the process, and I felt like I understood the game plan from beginning to end.
31Oakland HomebuyerVerified client
San Francisco, CaliforniaMortgage Comparison
“They helped me understand what was actually on the scoreboard.”
I already had a quote from another lender, but Curb 31 encouraged me to compare the complete Loan Estimate instead of focusing on one number. That conversation gave me a much better understanding of APR, points, lender fees, and cash to close. I appreciated having someone willing to explain the numbers instead of simply trying to sell me a loan.
31San Francisco HomebuyerVerified client
Milpitas, CaliforniaPurchase / Preapproval
“We always knew what the next step was.”
The process felt more like having a coach than dealing with a traditional mortgage company. Curb 31 helped us understand what we needed to do, what documents mattered, and how the financing fit into our overall homebuying plan. We always knew what the next step was.
31Milpitas HomebuyerVerified client
Bakersfield, CaliforniaMortgage Strategy
“The goal was to help me make the right financial play.”
What stood out to me was the education. Curb 31 took time to explain different mortgage options and how the payment, down payment, and closing costs worked together. I never felt rushed into making a decision. I felt like the goal was to help me make the right financial play for my situation.
31Bakersfield HomebuyerVerified client
The final score isn't just the rate.
It's whether you understood the mortgage, felt informed throughout the process, and reached the closing table with a strategy you were comfortable with.
Build My Mortgage Game PlanQuestions
Mortgage FAQ
End Zone
Ready to put your mortgage on the scoreboard?
Already have a quote? Let's see how it matches up.
No obligation to switch lenders simply by requesting a comparison.
Before you lock, let Curb 31 compete
Ready to let the numbers compete?
Upload a Loan Estimate, book a mortgage strategy review, or start an application. Three plays — pick one.
No obligation to switch lenders simply by requesting a comparison.