For Agents
For homebuyers · Colorado · California · Texas · Florida
Up to 10% off your monthly mortgage payment — for the life of the loan.*
That’s what one question to your agent can be worth. Any agent, any brokerage, any state we serve.
*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
$0
what it costs you — ever
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.
Your agent joins for $47 a month. You pay nothing, ever.
Ask your agent — or send them this page.
They get certified.
You get the pricing, for the life of your loan.
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
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.
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Not loading? Open the rate tool in a new tab →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.
Timing matters more than you’d think
Once financing is in motion, rate locks and deadlines push you to stay where you are. The best time to send this is before you write an offer.
What certified clients get, in writing
If your agent is certified, we beat your best quote — or credit you $500 at closing.
The awkward part, handled
Most agents haven’t heard of this yet — that’s what “founding 50” means. Asking doesn’t cost you anything, and you’re not asking for a favor: you’re asking them to check a number. Here’s what to say back.
And if they won’t even look — or you don’t have an agent yet — you can skip the awkward part entirely:
Get paired with a Blue Pebble Certified™ Homeownership AdvocateIf they haven’t heard of it
“It’s new — the founding group opens September 15. The page explains it in two minutes.”
If they call it a gimmick
“It’s a flat membership for coaching and mortgage access — no referral fees, no quotas, no catch for you. And my payment could drop. Worth two minutes?”
If they just go quiet
“Totally fine if it’s not for you — but before we write an offer, can you check what my payment would be with it?”
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.
Captured from our Google and Zillow profiles.
Nothing. Your agent pays $47 a month. You get the pricing.
If your agent is certified, bring it to us. We beat it or credit you $500 at closing. Full terms above.
No. The pricing is offered, never required. You always choose your own lender.
Yes. The rate tool on this page is free, live, and doesn’t require an application or a login. Bookmark it.
Colorado, California, Texas, and Florida. Any agent at any brokerage in those states.
Tell us. That’s the most important report we can get. Every one is reviewed by our CEO, outside the loan team.
Are you an agent?
$47/mo for the first 50 — locked while active. First cohort starts September 15.
Send this to your agent
The message and link are prefilled — text it or email it, your call.
