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Proof

Real closings. Real numbers.

Six transactions from our own book, with the rate and the payment on each one. Every figure below came off a closing statement, not a projection.

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Photo slot
Shot list #6: keys changing hands at a closing table, tight crop, 3:2
Closed transactions

Six we can show you

  • Conventional refinance

    Conventional
    $875,000 · closed August 28, 2024
    Monthly savings
    $540
    Annual impact
    $6,480
    See the breakdown
    Conventional refinance: loan detail and rate comparison
    Purchase price$875,000
    Down payment20%
    Loan amount$700,000
    Competing quote8.125% · $5,197/mo
    Blue Pebble6.990% · $4,657/mo
    Difference1.135% · $540/mo

    An actual transaction. The competing figure is the quote this borrower brought to us, not a market average. Your result depends on credit profile, loan amount, property type, loan-to-value, and conditions on the day you lock. Not a commitment to lend or extend credit.

  • VA home purchase

    VA
    $387,500 · closed June 14, 2024
    Closing cost savings
    $5,605
    Monthly savings
    $115
    Annual impact
    $1,376
    See the breakdown
    VA home purchase: loan detail and rate comparison
    Purchase price$387,500
    Down payment10%
    Loan amount$348,750
    Competing quote6.750% · $2,262/mo
    Blue Pebble6.250% · $2,147/mo
    Difference0.500% · $115/mo

    An actual transaction. The competing figure is the quote this borrower brought to us, not a market average. Your result depends on credit profile, loan amount, property type, loan-to-value, and conditions on the day you lock. Not a commitment to lend or extend credit.

  • High-value conventional

    Conventional
    $1,400,000 · closed October 2, 2024
    Monthly savings
    $261
    Annual impact
    $3,132
    See the breakdown
    High-value conventional: loan detail and rate comparison
    Purchase price$1,400,000
    Down payment67.9%
    Loan amount$450,000
    Competing quote6.875% · $2,956/mo
    Blue Pebble5.990% · $2,695/mo
    Difference0.885% · $261/mo

    An actual transaction. The competing figure is the quote this borrower brought to us, not a market average. Your result depends on credit profile, loan amount, property type, loan-to-value, and conditions on the day you lock. Not a commitment to lend or extend credit.

  • Premium home purchase

    Conventional
    $849,998 · closed August 5, 2024
    Monthly savings
    $170
    Annual impact
    $2,044
    See the breakdown
    Premium home purchase: loan detail and rate comparison
    Purchase price$849,998
    Down payment20%
    Loan amount$679,998
    Competing quote7.000% · $4,524/mo
    Blue Pebble6.624% · $4,354/mo
    Difference0.376% · $170/mo

    An actual transaction. The competing figure is the quote this borrower brought to us, not a market average. Your result depends on credit profile, loan amount, property type, loan-to-value, and conditions on the day you lock. Not a commitment to lend or extend credit.

  • First-time homebuyer

    Conventional
    $295,000 · closed August 26, 2024
    Monthly savings
    $133
    Annual impact
    $1,592
    See the breakdown
    First-time homebuyer: loan detail and rate comparison
    Purchase price$295,000
    Down payment10%
    Loan amount$265,500
    Competing quote7.125% · $1,789/mo
    Blue Pebble7.125% · $1,656/mo
    Difference0.000% · $133/mo

    An actual transaction. The competing figure is the quote this borrower brought to us, not a market average. Your result depends on credit profile, loan amount, property type, loan-to-value, and conditions on the day you lock. Not a commitment to lend or extend credit.

  • Luxury home purchase

    Conventional
    $998,000 · closed August 28, 2024
    Monthly savings
    $188
    Annual impact
    $2,254
    See the breakdown
    Luxury home purchase: loan detail and rate comparison
    Purchase price$998,000
    Down payment23.2%
    Loan amount$766,550
    Competing quote6.500% · $4,845/mo
    Blue Pebble6.120% · $4,657/mo
    Difference0.380% · $188/mo

    An actual transaction. The competing figure is the quote this borrower brought to us, not a market average. Your result depends on credit profile, loan amount, property type, loan-to-value, and conditions on the day you lock. Not a commitment to lend or extend credit.

$200M+
In transactions closed Blue Pebble Group
24 hrs
Pre-approval, no application fee Blue Pebble Loans
4 states
CA, CO, FL, and TX Blue Pebble Group
Don't take our word for it
“When we started, we thought all lenders were the same. Blue Pebble showed us how much that assumption would have cost us.”
Ryan & Casey C.
First-time Buyers

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Each case study above is an actual closed transaction and is not a prediction of your result. Savings of up to 10% on monthly payments vary by loan, credit profile, and property. This is not a commitment to lend or extend credit. All loans subject to credit approval. Vanna Lending, LLC dba Blue Pebble Loans, NMLS #2447767, licensed in CO, CA, NM, FL, & TX.