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Blue Pebble Group, Homes + Loans For Agents

For homebuyers · Colorado · California · Texas · Florida

Affordability is a choice.

Choose an agent trained on the loan, not just the house. That is what a Blue Pebble Certified™ Homeownership Advocate is.

See today’s rates

Up to 10%

off your monthly payment*

$0

what it costs you, ever

24 hrs

pre-approval, no application fee

4 states

CA, CO, FL, TX

*Savings are shown as a percentage of the monthly payment, not a rate or APR. Savings generally increase with the amount of interest paid over the loan, so they tend to be largest on higher-rate and higher-LTV loans such as FHA with a low down payment. Those loan types are not appropriate for every borrower and depend on individual circumstances. Not an offer or commitment to lend. Subject to credit approval and underwriting.

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.

How it works

Your agent joins the network. You pay nothing, ever.

Don’t have an agent? We’ll pair you with one

Is your agent certified? Check here.

1

Ask your agent, or send them this page.

2

They get certified.

3

You get the pricing, for the life of your loan.

What you get when your agent is certified

  • Up to 10% off your monthly payment: no seller concessions, no rate buydowns, no expiration

  • 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

  • An agent trained every week: business coaching every Tuesday, a live workshop every Friday, so the person guiding you is still learning too

  • 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 covers their own membership. 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.

Timing matters more than you’d think

Ask before you’re under contract. Not after.

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.

The awkward part, handled

What if your agent says no?

Most agents haven’t heard of this yet. 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 Advocate

If they haven’t heard of it

“It’s new. Any agent can sit in on one of their live trainings, Tuesday or Friday, before deciding. 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?”

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. The system simply 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 you can hold up against any other quote you get.

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.

Real reviews. Screenshots, not scripts.

Captured from our Google and Zillow profiles.

Five-star Google review from repeat client Hans Griese: their loan department was able to get us a great rate
Five-star Zillow review for Jared Frost: bought and sold a townhouse in Fort Logan, Denver — the team hosted the open house while the family was away, and handled the loan too
Five-star Google review from Blake Wilt: with Blue Pebble Homes and Vanna Lending we would choose to buy a house over a car any day
Five-star Google review from Michael Petersen: Blue Pebble Homes is truly in a league of their own
Five-star Google review from Drew Considine: Jared and his team are top notch
Five-star Google review from Josh Fischer about selling their first home with Tracie
Five-star Zillow review from Christine Woolard about buying her first home
Five-star Zillow review from a first-time homebuyer in Bear Valley, Denver
Five-star Zillow review from a buyer in Commerce City
Five-star Zillow review from an out-of-state buyer in Henderson

Straight answers

What does this cost me?

Nothing, ever. Your agent covers their own membership in the network. You get the pricing.

What if another lender quotes me better?

Bring it to us. Loan officers in this program are salary-based, so our cost to originate is lower and there is room to compete for every loan. You always choose your own lender.

Do I have to use Blue Pebble Loans?

No. The pricing is offered, never required. You always choose your own lender.

Can I check rates without signing up for anything?

Yes. The rate tool on this page is free, live, and doesn’t require an application or a login. Bookmark it.

Where is this available?

Colorado, California, Texas, and Florida. Any agent at any brokerage in those states.

What if I feel like my agent pushed me toward Blue Pebble?

Tell us. That’s the most important report we can get. Every one is reviewed by our CEO, outside the loan team.

Don’t have an agent?

We’ll pair you with a certified one.

Tell us where you’re looking. We introduce you to a Blue Pebble Certified™ Homeownership Advocate near you: trained on the loan, signed the pledge, listed in our directory. No fee, no obligation, and you always choose your own lender.

Already have an agent? Check whether they’re certified.

Are you an agent?

Keep your brokerage. Save your clients money.

Live trainings every Tuesday and Friday. Sit in on one, decide after. No card to sit in. Month to month if you join.

See the program