California
San Francisco Mortgage & Refinance Lender
San Francisco carries California's highest 2026 loan limit, which matters in a market where even entry-level homes command premium prices — many buyers here can still use conforming or FHA financing instead of a jumbo loan. We help you compare programs and get pre-approved quickly so your offer stands out.
2026 loan limits · San Francisco County
$1,249,125
Conforming (1-unit)
$1,249,125
FHA (1-unit)
Loan amounts above $1,249,125 are financed as jumbo loans, which we also offer.
Programs available here
Areas we serve
San Francisco · Daly City · South San Francisco · San Bruno · Pacifica
Frequently asked questions
- What is the 2026 conforming loan limit in San Francisco?
- The 2026 one-unit conforming loan limit in San Francisco County is $1,249,125 — the top high-cost limit in California. Loan amounts above it are financed as jumbo loans.
- Do you offer FHA loans in San Francisco?
- Yes. The 2026 FHA limit in San Francisco County is $1,249,125 for a single-family home, so low-down-payment FHA financing is available on a wide range of properties.
- Do you finance condos in San Francisco?
- Yes. We finance condominiums throughout San Francisco with conventional, FHA, and jumbo loans, and can check whether a building is already approved.
Loan limits shown are the official 2026 FHFA (conforming) and HUD (FHA) one-unit limits for this county, provided for information only — not an offer to lend or a commitment. All loans subject to credit approval. Equal Housing Lender.