Skip to main content
Routing #321180379

Jumbo Home Loans in The Bay

The Bay Area is an amazing place to live, work and play.

Banner image showing a couple and their dog sitting on the front steps of a house

What is a jumbo home loan?

smiling couple sitting at a table with flowers
A jumbo home loan is a mortgage in which the loan amount is higher than the conforming loan limits set by the Federal Housing Finance Agency. Each year, the Federal Housing Finance Agency determines the conforming loan limits. In 2022, the conforming loan limit for most counties in the U.S. is $647,200. Homes in Bay Area counties San Francisco, Marin, Contra Costa, Alameda, San Mateo, Santa Clara and Santa Cruz are more expensive on average so the conforming loan limit in these locations in 2022 is $970,800. This means any loan above these amounts is considered a jumbo loan. Napa is nearly as high at $897,000. Sonoma’s conforming loan limit in 2022 is $764,750.

Why the Bay Area?

The Bay Area has an abundance of natural beauty, and offers some of the best opportunities in the world for young professionals and growing families, alike. It is a hub for arts and entertainment, and blends the best aspects of urban living and outdoor recreation together. There is also a sense of community that draws many people to the Bay Area from around the globe. From hosting championship sports teams to becoming a home for the world’s most forward-thinking companies, the Bay Area is always at the forefront of human achievement and innovation. Whatever you’re looking to do, taste, see or hear, you will find it in this small slice of California’s best real estate. It’s no wonder housing is always in high demand, and the average home price is up.

Why First Tech?

First Tech has been helping members with home lending in the Bay Area for more than 30 years. Our local Mortgage Loan Officers know the unique housing markets of San Francisco, Oakland, San Jose, Fremont, Mountain View, Palo Alto, Redwood City, San Mateo, Milpitas and the entire Bay Area. Speak with us to learn more about your home loan options, including jumbo mortgages. Or if you’re ready to see how much you may qualify for, submit a pre-qualification request today.

Featured loan

Jumbo 7/1 Adjustable Rate Mortgage – Purchase in San Francisco County, CA

RateThis rate is not a credit decision or a commitment to lend and your rate will depend on various factors include your type of loan, credit profile, property value, occupancy, loan size, etc. Rates and product availability may also vary based on the State or region in which your financed property is located. Offer is subject to normal credit qualification. Rates are updated once per day on our website; however, pricing is subject to change once you speak to a representative. You can submit a pre-qualification request online or call 503.350.4531 to speak with one of our Mortgage Loan Officers. Membership is required and subject to approval.: 2.250%

APRAPR=Annual Percentage Rate= A rate that reflects the actual annual cost of a loan and includes the loan interest rate, private mortgage insurance, points and some fees. : 2.820%

PaymentAnnual Percentage Rates (APR) include the approximate cost of prepaid finance charges and are calculated based on a loan amount of $971,000. Scenario assumes a 20% down payment in San Francisco County, CA, with an excellent credit score, 0.50% origination fee, 15 days of prepaid interest, and some third-party fees. It does not include other closing costs or points associated with the rate displayed. Actual APRs for individual loans may differ. All loan applications are subject to credit and property approval. Sample payments shown include only principal and interest. These mortgage rates are based upon a variety of assumptions and conditions some of which may include a credit score of 740 or higher. Your loans interest rate will depend on specific characteristics of your transaction and your credit profile up to the time of closing. Adjustable Rate Mortgage (ARM) interest rates and payments are subject to change during the loan term. That change can increase or decrease your monthly payment. This scenario assumes an owner-occupied purchase (refinance rates may be subject to higher interest rates) of a single family detached residence with a down payment or equity of 20%. If your down payment or equity is less than 20%, mortgage insurance will be required, which will increase the monthly payment and APR. This scenario also assumes no other loans or liens on subject property. Property and/or flood hazard insurance may be required. Maximum loan limits may apply. Additional rates and programs are available.: $3711.61

Bay Area Mortgage Loan Officers

Kenny Ho headshot

Kenny Ho

Senior Mortgage Loan Officer
NMLS 112368

Aman Singh headshot

Aman Singh

Mortgage Loan Officer
NMLS 1183519

Wing Wong headshot

Wing Wong

Mortgage Loan Officer
NMLS 894062

Jan Regala headshot

Jan Regala-Freeman

Mortgage Loan Officer
NMLS 1078763

Ben Betparoo image

Ben Betparoo

Mortgage Loan Officer
NMLS 670300

Richard Mukhtar headshot

Richard Mikhtar

Senior Mortgage Loan Officer
NMLS 243796

Shirley Ho headshot image

Shirley Ho

Mortgage Loan Officer
NMLS 1929209

Sal Padilla headshot

Sal Padilla

Mortgage Loan Officer
NMLS 1228237

Don Hegardt headshot

Don Hegardt

Mortgage Loan Officer
NMLS 583526

Amy Robbins  headshot

Amy Robbins

Mortgage Loan Officer
NMLS 1603570

Joshua Dubovsky headshot

Josh Dubovsky

Mortgage Loan Officer
NMLS 1023132

Calculators