San Francisco has some of the nation’s highest home prices and a unique mix of condos, TICs, and single-family homes. EstaR Mortgage, just across the bay in Alameda, helps San Francisco buyers and homeowners compare jumbo, conventional, and reverse mortgage options across more than 30 lenders.
Prepared by the EstaR Mortgage team and reviewed by Chris Freck, Certified Reverse Mortgage Professional (CRMP), CSA, MBA — NMLS #241125. EstaR Mortgage is licensed in California, Oregon, and Washington.
Why work with a local San Francisco mortgage broker
- We shop 30+ lenders for you. A bank offers only its own products; as an independent broker we compare many lenders to find your right fit.
- 24 years in the Bay Area. Led by broker/owner Chris Freck, with 207 verified 5-star reviews across Google, Birdeye, and Yelp.
- Every loan type under one roof. Purchase, refinance, FHA, VA, USDA, jumbo, conventional, and reverse mortgages.
- Fast, remote-friendly closings. Most purchase loans close in 21 to 30 days; our fastest on record was 6 days.
Home loan options in San Francisco
In a high-value market, the right structure matters, and we shop it across dozens of lenders:
- FHA loans – lower down payment and flexible credit, popular with first-time buyers.
- VA loans – zero-down financing for eligible veterans and service members.
- Jumbo loans – for homes above the conforming loan limit.
- Conventional loans – competitive fixed and adjustable-rate options.
- USDA loans – zero-down financing in eligible areas.
- Refinance & cash-out – lower your rate, change your term, or tap home equity.
- Reverse mortgages (HECM) – for homeowners 62+, guided by a Certified Reverse Mortgage Professional.
The San Francisco housing market
Neighborhoods like Noe Valley, the Sunset, the Richmond, and the Mission routinely require jumbo financing. Long-time San Francisco homeowners often hold substantial equity, making a reverse mortgage (HECM) a powerful retirement tool, an EstaR specialty led by a Certified Reverse Mortgage Professional. We also finance condominiums in warrantable buildings.
Our simple process
- Free 15-minute call. We learn your goals and timeline. Zero commitment.
- Loan strategy. We compare your real options across 30+ lenders.
- Application. Secure online application; we handle the paperwork.
- Close. Most loans close in 21 to 30 days.
San Francisco mortgage FAQs
Do you offer reverse mortgages for San Francisco homeowners?
Yes. Chris Freck is a Certified Reverse Mortgage Professional (CRMP), one of fewer than 200 nationwide, and helps San Francisco homeowners 62+ access their equity through a HECM while staying in their home.
Do you work with San Francisco buyers if your office is in Alameda?
Yes. Our office is a short drive away in Alameda, and we routinely close loans for San Francisco clients by phone, video, and secure online signing. There is no requirement to meet in person.
Talk to a San Francisco mortgage expert
Get a free, no-obligation rate quote and a personalized loan strategy. Call 510-463-1003 or apply online today.
Serving nearby: Berkeley, Oakland, and reverse mortgages.
EstaR Mortgage™, a DBA of Mutzig Management, Inc., NMLS #1547521. Christopher A. Freck NMLS #241125. Licensed in California, Oregon, and Washington. Equal Housing Opportunity. This is not a commitment to lend; all loans are subject to credit approval and property appraisal.