San Diego, California · Licensed in CA

Your home loan, handled.

Questions about a home loan start here.

Home Purchase QualifierRefinance Rate Checker
Google
Sophia Warner
$100M+
Yearly loan production
4.9
Google rating
22+
Years in business

Ask for the number you need.

Each one takes about two minutes.

  • Buy a home
  • Refinance
  • Home equity
  • VA and FHA
  • Self-employed options
  • NMLS #282856

Loan Programs

Where are you starting from?

What sets Sophia apart.

  1. Quick to call back.

    Clients praise Sophia’s “speed to respond.” A loan has moments where an hour matters: the offer, the appraisal, the closing date.

  2. Complex, made plain.

    Sophia credits his success to his ability to “communicate complex scenarios in a simplified fashion,” so the decision in front of you is clear.

  3. A team behind the name.

    Sophia leads a strong team, so every client’s experience stays smooth and personal.

Three steps, from the first call to the closing table.

A short process with Sophia answering at every step.

  1. 15 minutes

    Apply and sign online

    Log in to the secure portal and e-sign your application in minutes.

  2. 1 day

    Get fully approved

    Income, assets and credit verified, so your offer carries a same-day approval.

  3. 10 days

    Close on your home

    Everything is already approved, so this step is just paperwork and keys.

Calculators

Free to use, with no sign-up to look.

See all 7 calculators

  • What will my payment be?

    Principal, interest, taxes and insurance, broken out so there are no surprises.

    Open the calculator

  • How much home can I afford?

    Your income and debts in, a realistic price range out.

    Open the calculator

  • Should I refinance?

    See your break-even month and lifetime savings.

    Open the calculator

Reviews

What clients say.

Google

Rebel iQ made getting started easy, with a great-looking website, a strong ad campaign, and a smooth setup. Tanner was fantastic.

John Nagle CMG Home Loans ·

Tanner Orr was super helpful! I've been a client of Leadpops for many years and Tanner was able to make some adjustments for me that made a big difference, and at the right time!

Paul Neal ·

Tanner Orr at Rebel iQ has truly gone above and beyond for me.

Quang Tran ·
See more reviewsRead all 758 on Google

The guarantee

$1,000

The Best Deal Guarantee

Already have an offer from another lender? Bring your Loan Estimate. If we can’t beat the deal, the guarantee applies.

Compare my quoteBook a call instead
Every line of your Loan Estimate, comparedFree to ask, no obligation
Sophia Warner

About

Meet Sophia Warner.

Senior Loan Officer · Rate Rebel

For nearly two decades, I've watched the same financial situation get approved by one lender and rejected by another. Banks operate within strict rules, but I have access to a network of lenders with completely different criteria. That means I can find solutions for clients that traditional banks would turn away — because I know exactly where to look.

Call or text
(619) 886-6985
Office
4747 Morena Blvd. #375
San Diego, CA 92117
Licensing
NMLS #282856
Book a 15-minute call

Your move, let’s talk.

About two minutes to see what you qualify for, with no obligation.

Book a 15-minute callSee what I qualify for