San Francisco County, California

Mortgage Broker in San Francisco, CA

NetCORE Lending™ provides mortgage solutions for San Francisco homebuyers. With median home prices among the highest in California, Bay Area buyers benefit from our jumbo loan expertise, Non-QM programs for tech professionals with RSU-heavy compensation, and access to 100+ wholesale lenders for the most competitive rates.

Get Pre-Approved (714) 399-6361

Bay Area

San Francisco Housing Market & Mortgage Overview

Median Home Price

$1.35M

Conforming Loan Limit

$1,149,825

Lenders We Shop

100+

San Francisco is a high-cost housing market where most home purchases exceed the standard conforming loan limit, making jumbo loans essential. Many SF buyers are tech workers with non-traditional income — stock options, RSUs, and contract-based earnings — which makes our Non-QM and bank statement loan programs especially valuable. As a California-licensed broker, NetCORE Lending™ serves SF clients through virtual consultations and our secure online application, shopping 100+ wholesale lenders to find rates that big banks often cannot match.

Popular San Francisco Neighborhoods We Serve

Pacific HeightsSunset DistrictNoe ValleyMarina DistrictMission DistrictRichmond DistrictSoMaExcelsior

Our Services

Loan Products Available in San Francisco

Explore the full range of residential and commercial mortgage options we offer to San Francisco homebuyers and homeowners.

Conventional Mortgages

A traditional mortgage not insured by the federal government. Ideal for borrowers with strong credit and stable income who want competitive rates and flexible terms.

Learn more →

FHA Home Loans

Government-backed loans insured by the Federal Housing Administration. Designed for first-time homebuyers and those with lower credit scores or smaller down payments.

Learn more →

VA Loans

Exclusive mortgage benefit for veterans, active-duty service members, and eligible surviving spouses. Backed by the U.S. Department of Veterans Affairs with no down payment required.

Learn more →

Jumbo Mortgages

Financing for high-value properties that exceed conforming loan limits. Ideal for luxury homes and high-cost real estate markets in Southern California.

Learn more →

Mortgage Refinancing

Replace your existing mortgage with a new loan to lower your rate, reduce monthly payments, shorten your term, or access your home equity through cash-out refinancing.

Learn more →

Home Equity Line of Credit (HELOC)

Access your home equity with a flexible revolving line of credit. NetCORE offers HELOCs up to 90% LTV, significantly higher than the typical 65% offered by banks.

Learn more →

CalHFA Down Payment Assistance

California Housing Finance Agency programs that provide down payment and closing cost assistance to first-time homebuyers. Includes the MyHome Assistance Program and Zero Interest Program (ZIP).

Learn more →

Non-QM Loans

Flexible mortgage solutions for borrowers who do not meet traditional lending criteria. Includes bank statement loans, P&L loans, and ITIN loans for self-employed and non-traditional income earners.

Learn more →

Why NetCORE

Why Choose NetCORE Lending™ in San Francisco

Local Market Expertise

Our team understands the San Francisco real estate market, current property values, and neighborhood trends so we can recommend the best loan product for your situation.

Bilingual Service

We offer mortgage consultations in English and Vietnamese, ensuring clear communication throughout the loan process for our diverse Bay Area community.

Personalized Approach

Every borrower is different. We take the time to understand your goals and financial situation, then match you with the right loan program — whether you are buying your first home in San Francisco or refinancing an existing mortgage.

Fast, Transparent Process

From pre-qualification to closing, we keep you informed at every step. Our streamlined process and responsive team mean fewer surprises and a smoother path to homeownership.

Location

Find Us Near San Francisco

“Bryan and Joanna are the best highly recommend!!!”

TJ Lacsamana

Conventional Mortgages Client

FAQs

Mortgage Questions for San Francisco

Common questions about getting a home loan in San Francisco, CA.

Mortgage rates in San Francisco, CA change daily based on market conditions. NetCORE Lending™ offers competitive rates on conventional, FHA, VA, and jumbo loans. Contact us at (714) 399-6361 for a personalized rate quote based on your credit profile and loan scenario.

The conforming loan limit in San Francisco County is $1,149,825 for a single-family home (2025 FHFA limits). San Francisco County is a designated high-cost area with limits above the national baseline of $806,500. Loans above this amount require a jumbo mortgage, which NetCORE Lending™ also offers.

NetCORE Lending™ is headquartered at 21671 Gateway Center Dr. Suite 207, Diamond Bar, CA 91765, conveniently located near San Francisco. We serve San Francisco and the surrounding San Francisco County communities with in-person and virtual consultations.

To apply for a mortgage in San Francisco, you will typically need: recent pay stubs, W-2s or tax returns (2 years), bank statements (2 months), government-issued ID, and a signed purchase agreement if buying. Self-employed borrowers may need additional documentation. Our team will guide you through the process.

Get Pre-Approved in San Francisco

Ready to buy a home or refinance in San Francisco, CA? Start your application today or call us for a free consultation.

Start Your Application (714) 399-6361

This information is not intended to be an indication of loan qualification, loan approval or commitment to lend. Rates, terms, and availability of programs are subject to change without notice.

NMLS# 1484338

Also serving nearby:

San Jose, CA Sacramento, CA Fresno, CA Bakersfield, CA Los Angeles, CA Pasadena, CA

Reviewed by Joann Ton, Loan Officer (NMLS# 1461031) | Last updated: June 2026