San Francisco, CA
San Francisco home loans, built for San Francisco's market.
From high-balance and jumbo financing to move-up and refinance, we structure the loan around San Francisco's price points — not a one-size template.
San Francisco home loans, the honest version.
San Francisco is a two-speed market — condos carry more inventory while single-family homes in established neighborhoods stay among the most competitive in the nation. Persistent supply constraints and an outsized tech-employment base anchor long-term demand.
That market shapes the loan. Because San Francisco County is a high-cost area, the 2026 one-unit conforming limit is $1,249,125 — above the national baseline. So many San Francisco buyers use high-balance or jumbo financing — and knowing exactly where your purchase lands against that $1,249,125 line is half the work. Limits per FHFA 2026; verify your scenario with us.
We work San Francisco from the ground up — close to the Golden Gate Bridge. We finance homes across Pacific Heights, Noe Valley, Mission District, and Marina District — and every other corner of San Francisco. Looking for a mortgage broker near you in San Francisco? We serve the area by phone and online, so you get a local-market broker without driving to an office.
What you get with a local broker.
San Francisco market knowledge
Near the Golden Gate Bridge, across Pacific Heights, Noe Valley, Mission District — we know how San Francisco prices and programs actually work.
High-balance & jumbo ready
San Francisco runs among the priciest in California — we structure jumbo, high-balance financing around its price points.
Lenders shopped for you
As a broker we put many lenders in competition for your San Francisco file — not one bank's shelf.
Owner-handled
Owner Esther Buede guides your San Francisco loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In San Francisco, your loan is handled personally by owner Esther Buede — a licensed mortgage expert (individual NMLS #2003644) who has guided California families to the closing table since 2005. Not a call center, not a rotating cast — one expert who knows your file and your market. Meet the family behind CHM →
“One of the best business interactions that I've ever had. Esther Buede made my loan application possible.”
Matched to your San Francisco purchase, not a template.
For San Francisco we lean on jumbo, high-balance — but whatever fits, we shop it: FHA, conventional, jumbo, VA, and non-QM. Start when you’re ready: buying, refinancing, or just exploring — apply here or call (949) 522-7310.
Close to San Francisco, we also help buyers in Daly City, South San Francisco, Alameda. See all California cities we serve →
Choice Home Mortgage is a licensed California mortgage broker — NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
San Francisco mortgage questions, answered.
What's the 2026 conforming loan limit in San Francisco?
In San Francisco County, the 2026 conforming loan limit is $1,249,125 for a single-family home — a high-cost figure above the national baseline. Limits per FHFA 2026; verify your scenario with us.
Do I need a jumbo loan to buy in San Francisco?
Not always. Many San Francisco homes can be financed with high-balance conforming loans up to $1,249,125 before a true jumbo is needed. We'll tell you which fits your price point.
Which San Francisco neighborhoods do you serve?
We serve buyers across San Francisco, including Pacific Heights, Noe Valley, Mission District. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Are you a licensed mortgage broker in San Francisco?
Yes. Choice Home Mortgage is a licensed California mortgage broker (NMLS #2629064, CA DRE #01822046) serving San Francisco and the surrounding area.
Do you serve areas near San Francisco?
Yes — we also work with buyers in nearby Daly City, South San Francisco, Alameda. Same process, local loan-limit details for each.
Let's finance your San Francisco home.
One call with the owner — local, honest, no pressure. We'll tell you which program fits your San Francisco purchase and shop the lenders for you.