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.
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. FHFA 2026 figures; your scenario gets verified before anything else.
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), closing since 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: FHA, conventional, jumbo, VA, and non-QM. Any starting point works: buying, refinancing, or simply exploring — start your application here or call (949) 522-7310.
First home in San Francisco? See which down-payment assistance is actually real in 2026 — CalHFA’s help applies to San Francisco buyers too.
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?
Up to $1,249,125 stays conforming on a San Francisco single-family home in 2026. Source: FHFA; we'll run your exact San Francisco scenario.
How do San Francisco buyers finance above the conforming limit?
San Francisco's price points mean jumbo and high-balance financing come up constantly on San Francisco files. We map your purchase against the limit first, then make lenders compete for it.
Which San Francisco neighborhoods do you serve?
Every corner of San Francisco, from Pacific Heights, Noe Valley, Mission District, Marina District on out. A San Francisco loan prices off your file, not the neighborhood.
Is Choice Home Mortgage local to San Francisco?
San Francisco? Definitely. California-licensed (NMLS #2629064) with San Francisco squarely covered — your San Francisco loan runs remotely and owner-handled.
What if I'm buying just outside San Francisco?
Absolutely — Daly City, South San Francisco, Alameda included. The San Francisco playbook travels; only the county numbers change.
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.