Jared can lower your monthly payment.

Certified to bring you pricing that can cut your payment by up to 10% — for the life of the loan.* Costs you nothing.

*Savings vary by scenario and are generally largest on lower-balance, higher-LTV loans such as FHA with 3.5% down. Not an advertised rate or APR; not an offer or commitment to lend. Subject to credit approval and underwriting.

Up to 10%

off your monthly payment*

$500

credit at closing if we can’t beat your best quote — certified clients

what it costs you — ever

Blue Pebble is a platform for agents and homebuyers to make every dollar go further.

A group of real estate agents started a mortgage company with the sole purpose of lowering payments for their customers. Then we opened it up — any agent, at any brokerage, can join and bring that pricing to their clients. You’re one of those clients.

The certification

What Jared signed up for — in writing.

A Blue Pebble Certified™ Homeownership Advocate completes the program and signs the Homeownership Advocate Pledge — a written commitment that can be reviewed and revoked:

Real choices — every option on the table, including lenders that aren’t us
Counsel, not steering — advice is never conditioned on where you borrow
Full transparency about relationships — you always know who works with whom

If you ever feel pushed instead of advised, tell us — every report is reviewed by our CEO, outside the loan team.

Jared Frost · Real Estate Agent

What you get with Jared

Up to 10% off your monthly payment — no seller concessions, no rate buydowns, no expiration
The $500 promise — we beat your best quote or credit you $500 at closing
Free real-time rates, anytime — bookmark this page and check program pricing whenever you want
A certified advocate — your agent signed a written pledge: real choices, no steering, full transparency
Works at any brokerage — it doesn’t matter whose sign is in the yard
Your choice of lender, always — the pricing is offered, never required
Savings for the life of the loan — not a teaser rate, not a first-year discount
Someone to call — if you ever feel pushed instead of advised, tell us. We investigate every report.
Costs you nothing — your agent pays $47 a month. You pay $0.

Live rates · refreshed daily

Check the program rates whenever you want.

Bookmark this page. Come back the day you find the house, the day rates move, the day you're deciding. Live pricing against your own scenario — Conventional, FHA, VA, and jumbo, side by side. No login. No application. No one calls you.

This analysis is provided for information purposes and cannot be interpreted as a commitment to lend. Pricing includes incentives offered when working with Blue Pebble Homes & Loans. Final loan terms are subject to credit approval, lender underwriting, and potentially a property appraisal. Interest rates and programs are subject to change without notice. Vanna Lending, LLC dba Blue Pebble Loans, NMLS #2447767, licensed in CO, CA, NM, FL, & TX. Equal Housing Opportunity.

What certified clients get, in writing

If your agent is certified, we beat your best quote — or credit you $500 at closing.

Conventional, FHA, or VA loans
Competing loan estimate dated within 2 business days of submission
Closing date at least 25 calendar days from receipt of the competing LE
Compared on APR, inclusive of all fees and credits
Blue Pebble gets one re-price after reviewing the competing LE
If we can’t beat it: a $500 credit at closing

This started as a complaint.

A group of agents got tired of watching clients overpay for the same product. Not because anyone was doing anything wrong — because the system had no one in it whose job was to make the number smaller.

So we started a mortgage company that works differently — we rethought how loans get sold, and how loan officers get paid. And pricing that makes every other lender in your deal sharpen theirs.

Any agent can join us — we don’t care whose sign is in the yard. Getting payments down matters more than getting bigger.

Ask your agent if they’re a Blue Pebble Certified™ Homeownership Advocate. If they are, you already have someone whose job is the number.