Mortgages in San Francisco.
San Francisco is a condo-heavy, jumbo-dominant market. HOA financials, project warrantability, and non-warrantable condo lenders make lender selection the single biggest factor in whether a loan closes on time.
$1,209,750 (2026 high-balance conforming)
≈ $1.35M
Noe Valley, Pacific Heights, Mission, Sunset, Richmond, Bernal Heights, SoMa, Marina
- Deep jumbo and portfolio lender relationships
- Non-warrantable condo experience
- Local appraisal expectations
- Condo warrantability reviews
- HOA reserve requirements
- TIC vs. condo financing
Program pages written for this market.
Loan limits, property quirks, and lender appetite change county by county. These pages cover how each program actually runs in San Francisco County.
Conventional Loans in San Francisco
The default program for most Northern California buyers.
ReadFHA Loans in San Francisco
Low down payment, forgiving credit, ideal for first-time buyers.
ReadVA Loans in San Francisco
Zero down, no PMI, competitive rates for veterans.
ReadJumbo Loans in San Francisco
$1.2M-$30M loan amounts across banks and portfolio lenders.
ReadDSCR Investor Loans in San Francisco
Qualify rental properties on the rent, not your income.
ReadBank Statement Loans in San Francisco
Self-employed loans qualified on deposits, not tax returns.
ReadFix & Flip / Bridge Loans in San Francisco
Short-term capital for acquisitions, rehabs, and bridges.
ReadHELOC & Equity Access in San Francisco
Access equity without touching your low first-mortgage rate.
ReadReverse Mortgages (HECM) in San Francisco
Convert equity to income or a line of credit at 62+.
ReadBuying rentals in San Francisco? Qualify on the property, not your tax returns.
Most San Francisco investors we work with never touch a W-2 loan. DSCR financing underwrites the rent the property collects against its payment, so portfolio size, write-offs, and self-employment income stop being obstacles. Short-term rental income counts with many of our lenders, and closings run in title-holding LLCs.
DSCR Rental Loans
No tax returns, no DTI. Qualify on rent versus payment, 20-25% down, unlimited financed properties.
See the programFix & Flip / Bridge
Up to 90% of purchase plus rehab for value-add projects, with closings as fast as 10 days.
See the programBank Statement Loans
Self-employed buyers qualified on 12-24 months of deposits instead of write-off-heavy returns.
See the programSan Francisco mortgage questions.
Can I get a conventional loan on a San Francisco condo?
Yes, if the project is warrantable. If it isn't, we place the loan with one of several portfolio lenders that hold non-warrantable condos on balance sheet.
What's the 2026 loan limit in San Francisco?
$1,209,750 for a one-unit property, which is the high-balance conforming ceiling. Above that is jumbo.
Do you finance TICs?
Yes. TIC financing requires a specialized fractional lender. We have relationships with the two most active ones.