Financing Your Home


In today's complex and changing San Francisco housing market, multiple offers for attractive properties are common again, and homes may sell for more than the asking price. Sellers want to know that the offer they accept will close on time and without complications. In many cases, sellers simply reject offers that don’t come with a pre-approval letter for a loan. So potential buyers should definitely be armed with a pre-approval letter (much better than a mere pre-qualification) before submitting an offer.

Financing a home can be one of the most complicated parts of a home purchase.

Lenders are careful about whom they lend to these days.  And there are points, APR, fixed-rate loans, adjustable loans, balloon loans, interest only loans, reverse loans, and combinations of all the above. Whether this is your first purchase or your fifth, the financing options can be intimidating. But with the right mortgage broker, it doesn’t have to be that way.

Our Recommended Brokers

Our recommended brokers help you get the best rates possible, and they'll counsel you on how to pick the mortgage that’s best for your financial situation and lifestyle. We recommend only brokers who we know will walk you through every step of the financing process.

Jamie works with Tim Wood from Terra Mortgage Banking, available at (415) 464-1374, and Andrew Nathan, available at (415) 256-9130. Luba works exclusively with Tim Higbee of Guarantee Mortgage, available directly at (415) 648-1202.