928 Quivera, Laguna Beach | $55K Seller Credit + Rate Buydown

928 Quivera Street, Laguna Beach

FOR SALE • ARCH BEACH HEIGHTS

928 Quivera Street, Laguna Beach

$2,869,000

3 Bed • 2 Bath • 2,228 Sq.Ft. • Sit-down Ocean & Whitewater Views

SELLER-PAID 2-1 RATE BUYDOWN

Own at a 5.25% Rate.

The seller is offering up to a $55,000 credit toward closing costs, used to fund a 2-1 rate buydown that drops the buyer’s rate to 5.25% in Year 1. The credit is what buys the rate down.

Video Tour

Watch on YouTube ›

Open House This Weekend

OPEN HOUSE

Saturday, Oct 24 & Sunday, Oct 25

1:00 to 4:00 PM

The Payment Schedule

PERIOD	RATE	MONTHLY P&I	SAVINGS / MO.
Year 1	5.250%	$12,674	$2,983
Year 2	6.250%	$14,132	$1,525
Year 3 onward	7.250%	$15,657	—

Based on a $2,295,200 loan (20% down) at a 7.250% note rate (7.318% APR), zero points. Principal and interest only; taxes, insurance, and any HOA are additional. For example purposes only.

That is $2,983 a month in Year 1 and more than $54,000 in payment savings across the first two years.

How the $55,000 Seller Credit Works

$55,000

Total seller credit, applied toward closing costs.

$54,102

Funds the full 2-1 buydown, held in escrow; about $900 is left toward closing costs.

Any Lender

Use the lender of your choice; there is no requirement to finance through BONLIFE Capital LLC.

About the Home

The best turnkey ocean-view home in Laguna Beach under $3 million. Big, sit-down ocean and whitewater views from Heisler Park to Catalina, white oak hardwood floors throughout, a chef’s kitchen with Subzero refrigeration, in-home laundry, an attached two-car garage plus two off-street spaces, and walking access to Moulton Meadows Park and the trail network. Five minutes by golf cart to the sand at Victoria Beach.

View the Full Listing Contact Derek

Derek LeBon

BONLIFE Real Estate | DRE #02045275 • BONLIFE Capital LLC | NMLS #2541845

(949) 422-5937 • [email protected]

These numbers are for example purposes only and are not a rate quote guarantee or a commitment to lend; they are subject to credit and property approval. Rates as of October 22, 2026 and subject to change without notice. Note rate 7.250% / APR 7.318%, zero discount points. Example assumes a 740 FICO, single-family primary residence, 30-year fixed jumbo, full documentation, a 30-day rate lock, and a $2,295,200 loan (20% down on a $2,869,000 price) repaid in 360 monthly payments. Payments shown are principal and interest only and exclude property taxes, homeowner’s insurance, and HOA dues, so actual payments will be higher. The buyer qualifies at the full 7.250% note rate; the temporary 2-1 buydown lowers the actual payment in Years 1 and 2 only (5.250% months 1-12, 6.250% months 13-24, 7.250% months 25-360). The seller credit of up to $55,000 is applied toward the buyer’s actual closing costs and prepaids, including the cost of the buydown, and counts toward the interested-party contribution limit; at 1.92% of price it is within the 6% standard limit ($172,140) and the 3% cap ($86,070) some jumbo investors apply. The buyer is free to use any lender of their choosing; there is no requirement to finance through BONLIFE Capital LLC to receive the seller credit. Financing offered through BONLIFE Capital LLC, NMLS #2541845. Obtain an official Loan Estimate before choosing a loan. Equal Housing Opportunity.