A mortgage decided in this city.
Local underwriters who understand condos, TICs and the rest of what makes San Francisco housing unusual.
Home loans
Buy, refinance or borrow against it.
Mortgages
Fixed and adjustable rates, with down payments from 5%.
Refinancing
Lower your rate or your payment, or change your term.
Home equity line
Borrow against your home's value as you need it, and pay interest only on what you use.
Today’s rates
What a home loan costs.
| Loan | Points | As low as |
|---|---|---|
| 30-year fixed | 0 | 6.125% APR |
| 15-year fixed | 0 | 5.50% APR |
| 5/6 ARM | 0 | 5.875% APR |
| Home equity line | 0 | 7.49% APR |
30-year fixed
- Points
- 0
- As low as
- 6.125% APR
15-year fixed
- Points
- 0
- As low as
- 5.50% APR
5/6 ARM
- Points
- 0
- As low as
- 5.875% APR
Home equity line
- Points
- 0
- As low as
- 7.49% APR
* APR: as low as.
Rates effective October 1, 2026.
Mortgage calculator
Find a monthly payment that fits.
Try a price, a down payment and a term. Taxes and insurance aren't included.
Mortgage calculator
Optional.
Optional.
- Monthly payment
- $1,944.35
- Down payment
- $80,000.00
- Loan amount
- $320,000.00
- Total interest
- $379,967.34
Estimates for illustration only. Your actual rate and payment depend on your credit and the terms you qualify for.
Getting ready
What you'll need to apply.
| Document | Why we ask |
|---|---|
| Two recent pay stubs | To confirm your income |
| Two years of W-2s or tax returns | To see your income over time |
| Two months of bank statements | To show your down payment and reserves |
| A government ID | To confirm it's you |
Two recent pay stubs
- Why we ask
- To confirm your income
Two years of W-2s or tax returns
- Why we ask
- To see your income over time
Two months of bank statements
- Why we ask
- To show your down payment and reserves
A government ID
- Why we ask
- To confirm it's you
A banker will tell you if anything else is needed for your situation.
From the blog
Buying your first home in San Francisco.
What to expect, what it costs, and the questions worth asking before you start.
How much do I need for a down payment?
Down payments start at 5% for qualified buyers. A banker can walk you through what fits your budget.
Do you lend on condos and TICs?
Yes. Our underwriters work in San Francisco, so condos and tenancy-in-common properties are routine for us.
How long can I lock my rate?
Up to 60 days, so you can close without worrying about the market moving.
Will checking my rate affect my credit?
Pre-approval uses a soft credit check, which does not affect your score. A full application uses a hard inquiry.
Do I need to be a member first?
You can apply and join at the same time. Membership is open to anyone who lives, works or studies in San Francisco.
Can I pay my loan off early?
Yes. None of our loans have prepayment penalties.
What documents will I need?
Usually a recent pay stub, a government ID, and for auto loans the purchase agreement or vehicle details.