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First Tech Routing #321180379

Jumbo Home Loans in The Bay

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

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What is a jumbo home loan?

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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 2024, the conforming loan limit for most counties in the U.S. is $766,550. 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 2024 is $1,149,825. This means any loan above these amounts is considered a jumbo loan. Napa is nearly as high at $1,017,750. Sonoma’s conforming loan limit in 2024 is $877,450.

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.

Bay Area Mortgage Loan Officers

Aman Singh headshot

Aman Singh

Mortgage Loan Officer
NMLS #1183519
408.533.2804 Direct

Shirley Ho headshot image

Shirley Ho

Mortgage Loan Officer
NMLS #1929209
669.289.9348 Direct

Sal Padilla headshot

Sal Padilla

Senior Mortgage Loan Officer
NMLS #1228237
916.672.7167 Direct
916.838.1383 Mobile


All loans are subject to credit approval. Credit Union membership is required and subject to approval. Property and/or flood hazard insurance may be required.