San Francisco, CA
San Francisco home loans, built for San Francisco's market.
The right San Francisco loan respects San Francisco prices — high-balance, jumbo, refinance — structured for Pacific Heights and every San Francisco block from day one.
Is there a mortgage broker serving San Francisco, CA?
Yes. Choice Home Mortgage is a family-owned California mortgage broker (NMLS #2629064, CA DRE #01822046), and San Francisco is in our service area. Owner Esther Buede handles each San Francisco loan herself and compares many lenders for it, so a San Francisco buyer is not limited to one bank's programs.
For 2026, a one-unit San Francisco home can carry a conforming loan of up to $1,249,125, the San Francisco County limit FHFA sets, and we check where your San Francisco price falls before you write an offer. The whole process runs by phone and online.
Inside the San Francisco mortgage market.
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.
Financing follows that San Francisco math. High-cost San Francisco County gives San Francisco purchases a $1,249,125 conforming limit — extra 2026 headroom on San Francisco homes. So many San Francisco buyers use high-balance or jumbo financing — knowing where a San Francisco purchase lands against that $1,249,125 line is half the work. As a market, San Francisco runs among the priciest in California — consistent with San Francisco County’s high-cost status. FHFA 2026 figures; your scenario gets verified before anything else.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
From Pacific Heights over to Marina District, San Francisco’s 837,000-plus residents sit within minutes of Daly City and South San Francisco. San Francisco isn’t an abstraction to us — we know it down to the Golden Gate Bridge. Buyers come to us from Pacific Heights, Noe Valley, Mission District, and Marina District, and from every other part of San Francisco. Need a broker near you in San Francisco? Everything runs by phone and online, so San Francisco expertise comes straight to you.
What you get with a local broker.
San Francisco market knowledge
We know where San Francisco values run hot — Pacific Heights, Noe Valley, Mission District, out to the Golden Gate Bridge — and which programs fit each pocket.
High-balance & jumbo ready
San Francisco runs among the priciest in California — we structure jumbo, high-balance financing around San Francisco price points.
Lenders shopped for you
As a broker we put many lenders in competition for your San Francisco file — not one bank's San Francisco shelf.
Owner-handled
Esther Buede — the owner — works your San Francisco loan start to finish; our Google reviews show San Francisco buyers why that matters.
San Francisco's file, the owner's desk.
Your San Francisco loan gets the owner, not a queue: Esther Buede, licensed (individual NMLS #2003644). The family brokerage dates to 2005. One person, your whole San Francisco loan — from Noe Valley across the San Francisco map. Meet the family behind CHM →
“She was sincere. Got me processed and funded in 20 days. I felt taken care of every step of the way.”
Matched to your San Francisco purchase, not a template.
Near the Golden Gate Bridge, jumbo files are a San Francisco staple for us. For San Francisco we lean on jumbo, high-balance — but whatever fits your San Francisco file, we shop it: an FHA loan, conventional, jumbo, VA, and non-QM. Any starting point works: buying, refinancing your mortgage, or simply exploring — start your application here or call (949) 522-7310.
The programs that come up most for San Francisco buyers: jumbo, high-balance.
First home in San Francisco? See which down-payment assistance is actually real in 2026 — CalHFA’s help applies to San Francisco buyers too.
Not every San Francisco file fits a W-2 box — 1099 and business-owner borrowers can qualify on bank-statement income, and San Francisco investors can lean on no-income investor financing. San Francisco County’s 2026 conforming and FHA limits, by unit count are laid out in full if you’re comparing property types.
And around San Francisco: Daly City, South San Francisco, Alameda are all in reach. Browse our California service areas →
A licensed California mortgage broker for San Francisco: Choice Home Mortgage, NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
San Francisco mortgage questions, answered.
Where does the San Francisco conforming loan limit sit for 2026?
In San Francisco, a one-unit home can carry a conforming loan of up to $1,249,125 for 2026, under FHFA's limit for San Francisco County. Loans from $832,750 up to $1,249,125 count as high-balance conforming in high-cost San Francisco County; above $1,249,125, the loan is jumbo. Two-unit homes in San Francisco County have a $1,599,375 conforming limit for 2026.
How do San Francisco buyers finance above the conforming limit?
Above $1,249,125, San Francisco buyers either take a jumbo loan or raise the down payment until the loan fits under the San Francisco County limit. High-balance conforming covers loans from $832,750 up to $1,249,125 in San Francisco County. We shop the loan with many lenders and show you the offers side by side.
Which San Francisco neighborhoods do you serve?
All of them, from Pacific Heights to Marina District; the rest of San Francisco is covered too. Prices shift from street to street, and the appraisal follows recent nearby sales; the loan terms follow your credit, income and down payment. Whether the home is in Pacific Heights or Marina District, owner Esther Buede handles the loan by phone and online.
Is Choice Home Mortgage local to San Francisco?
Choice Home Mortgage works out of Fountain Valley, roughly 376 miles from San Francisco, and serves it remotely. We are a family-owned California mortgage broker (NMLS #2629064, CA DRE #01822046), and we compare many lenders on every loan. Applications, documents and updates for Pacific Heights or Marina District homes all move by phone and online.
What if I'm buying just outside San Francisco?
Buying just outside San Francisco changes nothing on our side; we also arrange loans in Daly City, South San Francisco and Alameda. Each town's conforming limit depends on its county, so we confirm the 2026 limit for the exact address before quoting. Choice Home Mortgage arranges those loans as a licensed California broker, the same way as a San Francisco file.
Let's finance your San Francisco home.
One call with the owner — local, honest, no pressure. We'll match the program to your San Francisco purchase and shop lenders for your San Francisco file.