* $800,000 | 30-Yr-fixed | Credit Score 800+ | 25% Down Payment
Embark on your San Francisco home-buying journey with a partner that has been guiding individuals and families for over thirty years. Sammamish Mortgage understands the ins and outs of the unique San Francisco market, from the iconic Golden Gate Bridge to the vibrant neighborhoods of the Mission District. Our depth of local knowledge and commitment to guiding you through the mortgage process make us your ideal partner in securing your dream home in the City by the Bay.
Entering San Francisco’s dynamic real estate market? It’s critical to know that mortgage rates in this storied city are influenced by a variety of factors:
To secure the most favorable mortgage rate in San Francisco, partnering with a lender who values transparency is essential. Our Loan Officers at Sammamish Mortgage are dedicated to your interest, offering advice to ensure you receive recommendations that are tailored to your unique situation, without the push for larger loans.
San Francisco’s real estate landscape offers everything from charming Victorian homes in historic neighborhoods to sleek, modern condos in the heart of the city. The diverse housing options cater to a wide array of tastes and lifestyles, ensuring you find the perfect place to call home.
Our extensive selection of loan programs is designed to meet the varied needs of San Francisco homebuyers. Whether you’re a first-time buyer or are considering refinancing, we’re equipped with the perfect solution to meet your needs.
In order to secure the most favorable mortgage rate, it is essential to find a trustworthy and reputable mortgage lender. Seek out a mortgage lender that employs highly experienced Loan Officers. This approach ensures that you obtain a loan tailored to your specific circumstances, avoiding the risk of borrowing beyond your means.
San Francisco borrowers have a wide range of home mortgage options available to them when it comes to real estate.
Getting a 30-year fixed-rate loan usually means paying more in interest over the life of the loan, but gives California homebuyers a low monthly mortgage payment.
If you are a veteran, an active duty service member, or the surviving spouse of a military vet, a VA loan often requires no down payment or a very low down payment.
Low-income and first-time homebuyers can count on an FHA loan to give them flexibility when it comes to their credit score or down payment.
If you live in a very expensive part of the country, don’t give up hope. Jumbo loans can help you if the price of your dream home is a bit over the conventional loan limits.
A mortgage is a loan used to purchase or refinance a home, with the property serving as collateral for the loan.
Eligibility for home loans in California typically depends on factors like credit score, income, down payment, and property type.
The mortgage process usually involves getting pre-approved, submitting a full loan application with documentation, undergoing appraisal and underwriting, and closing on the loan once approved.
Yes, most loans require a down payment, typically 3%–20%, though VA and USDA loans may offer zero down.
Conventional loans generally require a credit score of 620+, FHA loans may allow as low as 580, while jumbo loans often need 700+.
A conforming loan falls under Fannie Mae/Freddie Mac limits ($806,500 baseline in 2025, up to $1,209,750 in high-cost counties), while jumbo loans exceed these loan limits.
Popular options include conventional, FHA, VA, USDA, and jumbo loans.
Closing costs typically range from 2% – 5% of the loan amount, including fees, title insurance, and escrow.
Usually the buyer, but sellers sometimes offer credits to cover part of them.
Yes, if your down payment is less than 20% on a conventional loan, or with FHA loans regardless of down payment.
Yes, but you’ll typically need a larger down payment and higher credit score.
Yes, lenders may accept bank statements, tax returns, or other income documentation to qualify self-employed borrowers.
Yes, you can refinance to lower your rate, change loan terms, or access equity through cash-out refinancing.
Sammamish Mortgage offers $1 lender fees, in-house underwriting for faster approvals, competitive rates, vast network of lenders, and over 1,500 5-star reviews from satisfied clients.
“Licensed by the Department of Financial Protection and Innovation under the San Francisco Residential Mortgage Lending Act”
Whether you’re buying a home or ready to refinance, our professionals can help.
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No Obligation and transparency 24/7. Instantly compare live rates and costs from our network of lenders across the country. Real-time accurate rates and closing costs for a variety of loan programs custom to your specific situation.
