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Review Keywords Analysis

  1. United States
  2. Best Mortgage Brokers
  3. Mortgage Brokers in California
  4. San Francisco
  5. Mortgage Affordability Calculator
1 · Your income
2 · Down payment
3 · What you can afford
Step 1 of 3

Mortgage Affordability Calculator San Francisco, CA

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.

Property tax are for this state.

An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.

Top-rated mortgage brokers in San Francisco

Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →

1

SunnyHill Financial

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.

Services & Prices
Conventional Loans Quoted per loan
VA Home Loans Quoted per loan
FHA Loans Quoted per loan
Standard HELOC Quoted per loan
View Profile
(510) 288-9800
Open 6:00 AM - 9:00 PM
600 California St Suite 12-032, San Francisco, CA 94108
General Services
Residential Loans
2

Fif Ghobadian at OriginPoint (NMLS #110501)

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.

View Profile
(415) 203-9468
Open 8:00 AM - 9:00 PM
345 California St Suites 600, San Francisco, CA 94104
3

SELFi, Inc.

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.

Services & Prices
Rate Lock Quoted per loan
Closing Costs Quoted per loan
Home Appraisal Quoted per loan
Pre-Approval Quoted per loan
View Profile
Open 00:00 - 23:59
44 Montgomery St Suite 02-172, San Francisco, CA 94104, USA
General Services
Mortgage Refinancing
4

Mike Koran - Primary Residential Mortgage Inc

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.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Quoted per loan
Pre-Approval Services Quoted per loan
Online Application Portal $0 - $0
View Profile
(415) 252-5070
Open 8:00 AM - 6:00 PM
1746 18th St, San Francisco, CA 94107, USA
General Services
Mortgage Services
5

James W. Argo - Mortgage Banker - Residential & Multi Family Lending

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.

View Profile
(415) 292-1993
Closed Now
232 Townsend St, San Francisco, CA 94107
Where they are 10 on the map Click a pin for the profile and directions
6

Julie Malta- Guarantee Mortgage NMLS #254124

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.

View Profile
(415) 203-6800
Open 9:00 AM - 7:00 PM
232 Townsend St, San Francisco, CA 94107
7

Chestnut Mortgage

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.

View Profile
(628) 213-8391
Open 00:00 - 23:59
2261 Market St Ste 86346, San Francisco, CA 94114
8

Shawn Maxwell - Homepoint Lending Inc

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.

Services & Prices
Conventional Loans Quoted per loan
FHA Loans Quoted per loan
VA Loans Quoted per loan
Home Equity Line of Credit Setup Quoted per loan
View Profile
(650) 759-4094
Open 00:00 - 23:59
945 Market St Ste 501, San Francisco, CA 94103
General Services
Home Loans
9

Steven Hook, San Francisco Mortgage Advisor

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.

Services & Prices
30-Year Fixed Mortgage Quoted per loan
Loan Pre-Approval Quoted per loan
Loan Structuring Quoted per loan
View Profile
(415) 260-9376
Open 10:00 AM - 5:00 PM
Ferry Building, 1st St Ste 270, San Francisco, CA 94111
General Services
Mortgage Services
10

Home Loans by Orlando

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.

Services & Prices
First-Time Homebuyer Loan Quoted per loan
Refinance Loan Quoted per loan
Second Home Loan Quoted per loan
Equipment Financing Quoted per loan
View Profile
(415) 699-1474
Open 8:00 AM - 8:00 PM
232 Townsend St, San Francisco, CA 94107
General Services
Home Loan

San Francisco Mortgage Statistics

Home-purchase lending in San Francisco County and home costs in San Francisco, CA (latest HMDA and Census data)

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).

Home-purchase loans, 2025
4,181▲ 11%3,783 in 2024
Denial rate
8%CA 12%
Median home value
$1,394,500CA $734,700
Monthly cost with a mortgage
$4,001median · CA $2,946
Refinance loans made (San Francisco County, 2025)
2,822 · 1,607 in 2024
Home-improvement loans made (2025)
441
Average home-purchase loan
$1,122,000 (CA $711,000)
Owners with a mortgage
64% · 36% of them spend 30%+ of income on housing
Median household income
$140,970 (CA $99,122)

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.

San Francisco Mortgage Brokers near you stats: 10 businesses compared side by side · updated
# 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

How this San Francisco mortgage affordability calculator works

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.

California rules and numbers this calculator uses

Debt-to-income
31% for housing and 43% total, the FHA standard and the long-time Qualified Mortgage limit. Some conventional loans go higher with strong credit and savings.
Down payment
At least 3% on a conventional first-time buyer loan (3.5% on FHA). Under 20% down, private mortgage insurance of about 0.6% of the loan a year is added to the payment.
Property tax
About 0.69% of the home's value a year, the California average for owner-occupied homes (2024 Census ACS).
Insurance
Homeowners insurance assumed at $150 a month; it varies a lot by home and location.
Rate
Starts at 7.40% (Freddie Mac 30-year average, October 2026). Change it to the rate you have been quoted.

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.

Frequently asked questions

9 questions
How does the mortgage affordability calculator work?
It estimates the highest home price you can qualify for based on income, debts, down payment, and interest rate. It includes PMI and property tax.
What is the debt-to-income ratio for mortgages in California?
Lenders typically cap housing costs at 31% and total debt payments at 43% of gross monthly income. Some loans allow more with strong credit.
What is the minimum down payment for a first-time buyer in San Francisco?
The minimum down payment is 3% for conventional loans and 3.5% for FHA loans. VA and USDA loans may allow 0% down for eligible buyers.
How does PMI affect mortgage affordability?
With less than 20% down, PMI adds about 0.6% of the loan annually. It can usually be removed when the loan balance is below 80% of the home's value.
How do interest rates impact how much house I can afford?
Higher interest rates increase monthly payments, reducing the home price you can afford. Rates change weekly; the calculator starts at 7.40% for 2026.
How do my debts affect my mortgage qualification?
Higher monthly debt payments reduce the home price you can qualify for, as lenders limit total debt payments to about 43% of gross monthly income.
What is the property tax rate in California?
Property tax is about 0.69% of the home's value annually, based on the 2024 average for owner-occupied homes in California.
What's the difference between pre-approval and pre-qualification?
Pre-approval involves verifying income, debts, and credit, confirming your borrowing power. Pre-qualification is an initial estimate without verification.
How can a mortgage broker help in San Francisco?
A mortgage broker can help find loan options and guide you through the mortgage process, but this calculator provides an independent affordability estimate.

General information, not financial advice — consult a qualified professional.