How much house can you afford in San Francisco? See your maximum price, monthly payment and pre-approval estimate. Free, instant, no credit check.
Updated · current rates and lending limits
Add your partner's income if you're buying together.
Car loans, credit cards, lines of credit, student loans. Not rent.
Enter your yearly household income.
Savings and gifts from family count. Many first-time buyer loans need just 3% down; under 20% you pay mortgage insurance.
7.40% (Freddie Mac 30-year average, October 2026). Change it if you've been quoted a rate.
Enter your down payment.
| After | Paid in total | Still owed |
|---|
SunnyHill Financial
4.9 · 379 reviews · Free pre-approval
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Fif Ghobadian at OriginPoint (NMLS #110501)
5.0 · 195 reviews · Free pre-approval
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SELFi, Inc.
5.0 · 100 reviews · Free pre-approval
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An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.
Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →
With over 50 years of combined experience, SunnyHill Financial focuses on a streamlined mortgage process that aims for faster closings and clear communication. They offer VA loans, conventional loans, and refinancing, often helping first-time homebuyers navigate options with personalized guidance. Customers appreciate the team’s personal touch and responsiveness, even during complex transactions.
OriginPoint offers specialized mortgage programs like Bank Statement and Physician loans, along with accelerated options such as same-day loan approval. The team handles everything from home purchases to refinancing, often praised for clear communication and responsiveness. Some clients note occasional delays due to external factors like seller issues.
SELFi specializes in fully digital mortgage brokering, letting borrowers compare and apply online without sales reps. The team handles refinances and home loans through an easy-to-use platform, with many customers noting the fast, smooth process and clear communication, though responsiveness depends on timely document submission.
Specializing in in-house financing and underwriting, Primary Residential Mortgage Inc offers quick loan turnarounds for purchases and refinances of all sizes. Their team handles everything from application to closing, with many customers appreciating clear communication and responsiveness throughout the process. Some note occasional hiccups, but these are managed promptly.
Specializing in residential and multi-family lending, James W. Argo offers clear communication and attentive guidance throughout complex loan processes. The team handles unique challenges with organization and responsiveness, helping clients stay informed and on track. Customers appreciate the steady support, though some loans may involve lengthy timelines.
Guarantee Mortgage operates as a mortgage banker, offering a broad range of loan options from multiple lenders to help clients find suitable programs beyond typical bank offerings. The team assists with home purchases, refinancing, and reverse mortgages, guiding borrowers through the process with clear communication and timely responses. Customers appreciate the thorough explanations and smooth… more...
Guarantee Mortgage operates as a mortgage banker, offering a broad range of loan options from multiple lenders to help clients find suitable programs beyond typical bank offerings. The team assists with home purchases, refinancing, and reverse mortgages, guiding borrowers through the process with clear communication and timely responses. Customers appreciate the thorough explanations and smooth coordination, even in complex situations.
Chestnut Mortgage offers efficient online services that help clients secure loans suited to their needs. The team provides mortgage brokerage with competitive rates and attentive customer support. Some customers note the process can feel a bit fast-paced but appreciate the clear communication throughout.
Known for a streamlined online loan process that often closes within 30 days, Homepoint Lending focuses on personalized mortgage solutions including purchase loans, refinancing, and specialized options like FHA and VA loans. Clients appreciate the team’s clear communication and responsiveness, especially when managing complex or remote transactions.
Known for securing competitive mortgage rates and closing loans quickly, Steven Hook serves a wide range of borrowers including first-time homebuyers and those refinancing or consolidating debt. The team offers clear guidance throughout the loan process, with clients appreciating their responsiveness and ability to simplify complex financing details.
Known for handling complex home loan situations with patience and clear communication, Home Loans by Orlando offers refinancing and purchase financing services. The team is praised for staying calm and supportive through challenging processes, often working creatively to find solutions when others can’t. Some clients note the process can take longer due to these complexities.
Lenders made 4,181 home-purchase loans in San Francisco County in 2025 (average about $1,122,000) and denied 346 — 8% of decided applications, compared with 12% across California, according to federal mortgage data (HMDA, CFPB). In San Francisco, the median home is worth $1,394,500 and 64% of owners have a mortgage, paying a median $4,001 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in San Francisco County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | SunnyHill Financial | 4.9 | 379 | Quoted per loan | (510) 288-9800 | Visit |
| 2 | Fif Ghobadian at OriginPoint (NMLS #110501) | 5.0 | 195 | — | (415) 203-9468 | Visit |
| 3 | SELFi, Inc. | 5.0 | 100 | Quoted per loan | — | Visit |
| 4 | Mike Koran - Primary Residential Mortgage Inc | 5.0 | 91 | Quoted per loan | (415) 252-5070 | Visit |
| 5 | James W. Argo - Mortgage Banker - Residential & Multi Family Lending | 5.0 | 60 | — | (415) 292-1993 | — |
| 6 | Julie Malta- Guarantee Mortgage NMLS #254124 | 4.9 | 55 | — | (415) 203-6800 | Visit |
| 7 | Chestnut Mortgage | 5.0 | 51 | — | (628) 213-8391 | Visit |
| 8 | Shawn Maxwell - Homepoint Lending Inc | 5.0 | 50 | Quoted per loan | (650) 759-4094 | Visit |
| 9 | Steven Hook, San Francisco Mortgage Advisor | 5.0 | 49 | Quoted per loan | (415) 260-9376 | Visit |
| 10 | Home Loans by Orlando | 5.0 | 37 | Quoted per loan | (415) 699-1474 | Visit |
Lenders look at your debt-to-income ratio. Housing costs (principal and interest, property tax, homeowners insurance and mortgage insurance) should stay under about 31% of your gross monthly income, and housing plus your other monthly debts under 43%. The calculator finds the highest home price that passes both tests with your down payment, on a 30-year fixed loan.
An estimate, not a mortgage approval or pre-approval. Your credit, income type, the property and the lender all change the answer; a mortgage broker confirms your real number. Sources: Freddie Mac Primary Mortgage Market Survey (October 2026), U.S. Census Bureau American Community Survey 2024 property tax data, FHA and CFPB debt-to-income guidance.
General information, not financial advice — consult a qualified professional.