South San Francisco, CA
South San Francisco home loans, built for South San Francisco's market.
High-balance, jumbo, move-up, refinance: whatever a South San Francisco purchase needs — near Sign Hill or anywhere South San Francisco — the loan fits the market.
Where do South San Francisco buyers find a mortgage broker?
A South San Francisco buyer can work with Choice Home Mortgage, a California mortgage broker licensed under NMLS #2629064 and CA DRE #01822046. We have been family-owned since 2005, we compare many lenders on each South San Francisco loan, and owner Esther Buede runs the file personally.
The 2026 conforming limit for a one-unit South San Francisco home is $1,249,125 (San Mateo County, per FHFA). We start every South San Francisco file by placing the price against that number, then handle the application, documents and updates by phone and online.
What financing a South San Francisco home really takes.
South San Francisco’s ’Biotechnology Capital of the World’ designation reflects a structural reality: Genentech’s HQ and the Oyster Point biotech cluster employ thousands of high-income workers within the city, creating employer-driven demand independent of SF commuter flows, while light-industrial waterfront zoning permanently limits residential supply.
That South San Francisco market shapes the loan. San Mateo County counts as high-cost, so South San Francisco buyers get a $1,249,125 one-unit ceiling on 2026 South San Francisco purchases. So many South San Francisco buyers use high-balance or jumbo financing — knowing where a South San Francisco purchase lands against that $1,249,125 line is half the work. South San Francisco’s price tier is above the national norm, the same reality behind San Mateo County’s high-cost limit. Per FHFA’s 2026 schedule — we’ll check your exact numbers.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
Some 66,000-plus people live in South San Francisco — Sign Hill, Sunshine Gardens, and between — a short drive from San Bruno or Pacifica. Ask us about South San Francisco blocks near the ’South San Francisco — The Industrial City’ letters on Sign Hill — that’s the level we work at. Buyers come to us from Sign Hill, Westborough, Paradise Valley, and Sunshine Gardens, and from every other part of South San Francisco. Need a broker near you in South San Francisco? Everything runs by phone and online, so South San Francisco expertise comes straight to you.
What working with us looks like.
South San Francisco market knowledge
Sign Hill, Westborough, Paradise Valley, the streets around the 'South San Francisco — The Industrial City' letters on Sign Hill — we read South San Francisco's price points like locals, because that's how we work it.
High-balance & jumbo ready
High-balance, jumbo — that's the South San Francisco toolkit, because South San Francisco prices above the national norm and the financing keeps up.
Lenders shopped for you
We make lenders compete for South San Francisco business instead of squeezing South San Francisco buyers into a single bank's box.
Owner-handled
Owner Esther Buede guides your South San Francisco loan personally — the named expert South San Francisco clients would find praised across our Google reviews.
One expert, application to keys.
Owner Esther Buede (individual NMLS #2003644) personally runs each South San Francisco file — Westborough or any South San Francisco address — first call to keys. Choice Home Mortgage has been family-run since 2005. Meet the family behind CHM →
“They did what our bank of 20+ years could not — refinanced 2 of our homes in record time. The Dynamic Duo!”
Matched to your South San Francisco purchase, not a template.
Around the ’South San Francisco — The Industrial City’ letters on Sign Hill, high-balance remains the workhorse of South San Francisco lending. The South San Francisco playbook usually starts with high-balance, jumbo — then we shop whatever your South San Francisco file calls for: VA, non-QM, FHA financing, conventional, and jumbo. Come in at your own pace — buying, refinancing your mortgage, or comparing paths — start your application here or call (949) 522-7310.
South San Francisco files here lean on high-balance, jumbo.
South San Francisco first-timers: our guide to real down-payment assistance covers CalHFA and city programs — worth five minutes before you save another year.
Self-employed in South San Francisco? We also work with self-employed buyers — bank-statement income included, plus bridge financing for South San Francisco investors. San Mateo County’s 2026 conforming and FHA limits, by unit count are laid out in full if you’re comparing property types.
And around South San Francisco: San Bruno, Pacifica, Daly City are all in reach. Every California city we cover →
A licensed California mortgage broker for South San Francisco: Choice Home Mortgage, NMLS #2629064, CA DRE #01822046. Equal Housing Opportunity.
South San Francisco mortgage questions, answered.
How high can a conforming loan go in South San Francisco?
A conforming loan on a one-unit South San Francisco home can go up to $1,249,125 in 2026, which is FHFA's limit for San Mateo County. Because San Mateo County is high-cost, its limit sits above the $832,750 national baseline; a loan in that gap is called high-balance and is still conforming.
How do South San Francisco buyers finance above the conforming limit?
South San Francisco buyers who need more than $1,249,125 (the 2026 San Mateo County limit) use a jumbo loan, or put more down so the loan stays under it. A loan between the $832,750 national baseline and $1,249,125 is high-balance conforming in San Mateo County. We shop the loan with many lenders and show you the offers side by side.
What parts of South San Francisco do you work in?
Every part of South San Francisco, including Sign Hill, Westborough, Paradise Valley and Sunshine Gardens. The neighborhood affects the appraisal, which compares recent nearby sales, but the loan terms come from your credit, income and down payment. Loans from Sign Hill to Sunshine Gardens go through owner Esther Buede, by phone and online.
Do you actually know the South San Francisco market?
Yes. A one-unit South San Francisco home has a $1,249,125 conforming limit for 2026, the FHA limit there is $1,249,125, and every file we take starts from those figures. We are a family-owned California mortgage broker (NMLS #2629064, CA DRE #01822046), and we compare many lenders on every loan.
Do you serve areas near South San Francisco?
Yes. Besides South San Francisco, we also arrange loans in San Bruno, Pacifica and Daly City. Loan limits are set county by county, so the limit is re-checked for whichever town the home is in. Choice Home Mortgage arranges those loans as a licensed California broker, the same way as a South San Francisco file.
Buying near South San Francisco? We cover that too
Ready for your South San Francisco address?
Straight answers on your South San Francisco options, and a broker shopping the whole market for South San Francisco buyers like you.