Jumbo mortgage loans1 in San Francisco, California
More ways we make homebuying easier
Guaranteed on-time closing or get $5,0002
We promise an on-time closing for eligible products in as soon as three weeks or you'll get $5,000, if you qualify.
Relationship Pricing Program3
You may be eligible for a rate discount based on new and existing balances when buying a new home or refinancing. Max rate discounts may apply.
Interest-only jumbo loans
Get more flexibility in keeping your month-to-month costs low. These loans are for high-value, single-family primary or secondary home purchases or nocash-out refinances. These are sometimes called "non-conforming" loans.
Home lending advisors in San Francisco, California
Alice Leach
Senior Home Lending Advisor
NMLS ID: 692746
1811 19th Avenue
San Francisco, CA 94122
cantonese
Ronald Chiu
Senior Home Lending Advisor
NMLS ID: 448559
5655 Geary Blvd
San Francisco, CA 94121
mandarin, cantonese
5.0 out of 5
(7 reviews)
Veronica Martinez
Senior Home Lending Advisor
NMLS ID: 286724
151 Warriors Way
San Francisco, CA 94158
5.0 out of 5
(5 reviews)
Barbara McDonough
Senior Home Lending Advisor
NMLS ID: 670911
700 Market St
San Francisco, CA 94102
5.0 out of 5
(9 reviews)
Cherolynn Vila
Senior Home Lending Advisor
NMLS ID: 554826
3620 Lake Tahoe Blvd
South Lake Tahoe, CA 96150
4.3 out of 5
(4 reviews)
Simon Tsui
Senior Home Lending Advisor
NMLS ID: 1709601
1699 Van Ness Ave
San Francisco, CA 94109
5.0 out of 5
(1 reviews)
David Ho
Senior Home Lending Advisor
NMLS ID: 1399224
2429 California St
San Francisco, CA 94115
vietnamese
5.0 out of 5
(1 reviews)
Eric Fukumae
Senior Home Lending Advisor
NMLS ID: 1325665
111 Pine St
San Francisco, CA 94111
5.0 out of 5
(2 reviews)
Casey Mondragon
Senior Home Lending Advisor
NMLS ID: 343983
98 W Portal Ave
San Francisco, CA 94127
4.8 out of 5
(2 reviews)
Pamela Chan
Senior Home Lending Advisor
NMLS ID: 242912
265 Winston Dr
San Francisco, CA 94132
mandarin, cantonese
5.0 out of 5
(1 reviews)
Mark Wong
Senior Home Lending Advisor
NMLS ID: 1095143
1040 Grant Ave
San Francisco, CA 94133
mandarin, cantonese
4.6 out of 5
(10 reviews)
Rene Perez
Senior Home Lending Advisor
NMLS ID: 799392
2112 15th St
San Francisco, CA 94114
5.0 out of 5
(1 reviews)
Nancee Fujitake
Senior Home Lending Advisor
NMLS ID: 670919
2166 Chestnut St
San Francisco, CA 94123
5.0 out of 5
(3 reviews)
Elmar Aslami
Community Home Lending Advisor
NMLS ID: 859280
4669 Mission St
San Francisco, CA 94112
Frequently asked questions about jumbo mortgage loans in San Francisco, California
How to qualify for a jumbo loan in San Francisco, California?
A jumbo loan is a big undertaking, and typically has stricter qualification guidelines.
Here are the requirements you'll generally need to meet when applying for a jumbo loan in San Francisco, California:
High credit scoreLow debt-to-income ratio
* Low loan-to-value ratio
Good cash reserves
* A sizable down payment
Here are the requirements you'll generally need to meet when applying for a jumbo loan in San Francisco, California:
High credit scoreLow debt-to-income ratio
* Low loan-to-value ratio
Good cash reserves
* A sizable down payment
What documents are needed for a jumbo loan in San Francisco, California?
When applying for a jumbo loan in San Francisco, California you will be required to provide some essential information to prove your financial health. This usually includes:
Annual tax returns, including W-2s
* Most recent pay stubs and bank statements
Information about your investments and other financial interests
Annual tax returns, including W-2s
* Most recent pay stubs and bank statements
Information about your investments and other financial interests
What are the current jumbo loan rates in San Francisco, California?
We update our interest rate table daily. Use the above rate tool to find the current jumbo loan rates in San Francisco, California.
1. 85% Example: A 30-year, fixed-rate loan of $1,000,000 with an interest rate of 7.125% / 7.1477% APR will have 360 monthly principal and interest payments of $6,737.19. Payments shown do not include taxes, homeowners insurance, or mortgage insurance (if applicable). Actual payments will be higher. This is assuming a purchase transaction, 45-day lock, 85% LTV, 700 FICO, single family, owner-occupied, closest to zero discount points, rates change daily.
The APR shown is based on the interest rate and discount points only and does not take into account other loan-specific finance charges you may be required to pay.
2.Chase Closing Guarantee Eligibility: These requirements must be met: (1) Apply for a first lien purchase home loan with Chase; and (2) Provide a complete application package, which includes all requested supporting documentation and signed disclosures, and a fully-executed purchase contract with all pages. (3) Conventional Loans: Closing date must be at least 21 calendar days after receipt of a complete application package, except for a cooperative project (co-op) which requires 60 calendar days. For any new construction property that receives an initial appraisal subject to repairs/completion, a final inspection is required. Chase guarantees closing within 3 business days of receipt of a satisfactory final inspection. (4) FHA/VA loans or loans with Down Payment Assistance: Closing date must be at least 30 calendar days after receipt of a complete application package. When an FHA/VA final inspection is required for new construction or specific home repairs, Chase guarantees closing within 5 business days from receipt of a satisfactory final inspection or satisfactory proof of final repairs. If property is a condo, the condo must be FHA or VA (as applicable) approved at the time of submission of the home loan application.
Product Exclusions: Refinances, Home Equity Lines of Credit, transactions involving Consolidation, Extension and Modification Agreements (CEMAs) or loan amounts $2 million or greater.
Ineligibility: The Chase Closing Guarantee does not apply if the following occur: Customer- or Seller-initiates changes (1) to the original closing date documented in the purchase contract; or (2) within 10 calendar days of closing that impact loan amount, product type, contract terms, interest rate or initial rate locks. The Chase Closing Guarantee also does not apply if delays occur as a result of (1) completion of new construction, improvements or repairs being made to the subject property; (2) Failure by the customer or seller to meet contract terms and requirements, including seller-related delays; (3) Force majeure events, including weather or a natural disaster; (4) Third parties; or (5) Customer's failure to respond to Chase requests in a timely manner (e.g. within 2 business days). Additionally, the Chase Closing Guarantee does not apply for transactions in which a direct personal, financial or business relationship exists among any of the parties to the transaction (non-arm's length transactions). Chase reserves the right to amend, terminate or withdraw the Chase Closing Guarantee at any time without prior notice.
Closing guarantees and other awards ("awards") transferred to you under the terms of the program will be considered by Chase a discount of underwriting fees paid at mortgage closing. Any awards transferred at or outside closing in excess of the value of the underwriting fees may be considered miscellaneous income and may be reportable on Form 1099-MISC (Miscellaneous Information) or Form 1042-S (Foreign Person's U.S. Source Income Subject to Withholding) to you and the IRS for the year in which you participate and receive the awards. You are responsible for any tax liability related to participating in the program. Please consult your personal tax advisor for questions about the impact to your personal income tax returns.
3. Existing balance requirements: Under the Relationship Pricing Program, participating customers with existing eligible Chase and J.P. Morgan deposit accounts and/or J.P. Morgan Wealth Management accounts can save off the standard mortgage rate. For Adjustable-Rate Mortgages the rate discount will apply during the initial rate period only. Talk with a Chase Home Lending Advisor or visit chase.com/relationshipoffers for the rate discounts currently available. Any existing funds and/or investments funds (including funds used for down payment) that exit your accounts prior to closing will be deducted from your eligible balance amount. Chase employees are not eligible for the existing balance rate discount. Talk with a Home Lending Advisor for more information.
New money requirements: Additional rate discounts are available under the Relationship Pricing Program, based on the new deposit and/or investment assets transferred to Chase and/or J.P. Morgan Wealth Management accounts and the mortgage loan amount. For Adjustable-Rate Mortgages the rate discount will apply during the initial rate period only. Existing deposit and/or investment assets held with JPMorgan Chase & Co. and any of its affiliates are not eligible. Funds previously held at JPMorgan Chase & Co. or any of its affiliates may also not be eligible. Any existing funds or new deposit and/or investment funds (including funds used for down payment) that exit your accounts prior to closing will be deducted from your eligible transfer amount (you will not be penalized for changes in market value). If the loan amount changes prior to closing, the rate discount will be adjusted accordingly. Funds that settle in a customer's deposit and/or investment accounts 14 calendar days or more prior to completion of a mortgage application are not eligible for the new money discount. New money funds cannot be used for more than one loan.
Combined discount: You can qualify for both the existing balance discount and the new money discount. However, new money deposit and/or investment funds cannot be applied to both discounts. The rate discount for the existing balance or the employee mortgage rate discount, combined with the net new money discount is capped at a max percentage; please talk with a Home Lending Advisor for the current cap.
Loan Closing: If the funds needed to qualify for the existing balance discount and/or the new money discount are not in the customer's account at least 10 calendar days prior to the scheduled closing date, the customer can choose to close the loan without the rate discount or extend the closing date, for which a fee may be charged. Customer may qualify for a post-close rate discount if funds are received and settled within 30 days of closing. Post-close rate discounts may not be available to all customers and may be lower than discounts available prior to closing. The customer must sign a rate change modification to receive the post-close discount and will not receive a refund of any interest paid prior to a rate change taking effect.
Account Eligibility: Qualifying personal banking and/or investment balances will be used in determining the appropriate mortgage rate discount. However, business, deferred compensation, student, custodial, 529 college savings, donor-advised funds, select retirement accounts and non-vested RSU accounts do not qualify. This is not intended as an exhaustive list of eligible or ineligible accounts, which are subject to change; please talk with a Home Lending Advisor.
Chase reserves the right to amend, terminate or withdraw the rate discount at any time without prior notice. Bank deposit accounts, such as checking and savings, may be subject to approval. Deposit and home lending products provided by JPMorgan Chase Bank, N.A. Member FDIC.
J.P. Morgan Wealth Management is a business of JPMorgan Chase & Co., which offers investment products and services through J.P. Morgan Securities LLC (JPMS), a registered broker-dealer and investment adviser, member FINRA and SIPC. Insurance products are made available through Chase Insurance Agency, Inc. (CIA), a licensed insurance agency, doing business as Chase Insurance Agency Services, Inc. in Florida. Certain custody and other services are provided by JPMorgan Chase Bank, N.A. (JPMCB). JPMS, CIA and JPMCB are affiliated companies under the common control of JPMorgan Chase & Co. Products not available in all states.
The APR shown is based on the interest rate and discount points only and does not take into account other loan-specific finance charges you may be required to pay.
2.Chase Closing Guarantee Eligibility: These requirements must be met: (1) Apply for a first lien purchase home loan with Chase; and (2) Provide a complete application package, which includes all requested supporting documentation and signed disclosures, and a fully-executed purchase contract with all pages. (3) Conventional Loans: Closing date must be at least 21 calendar days after receipt of a complete application package, except for a cooperative project (co-op) which requires 60 calendar days. For any new construction property that receives an initial appraisal subject to repairs/completion, a final inspection is required. Chase guarantees closing within 3 business days of receipt of a satisfactory final inspection. (4) FHA/VA loans or loans with Down Payment Assistance: Closing date must be at least 30 calendar days after receipt of a complete application package. When an FHA/VA final inspection is required for new construction or specific home repairs, Chase guarantees closing within 5 business days from receipt of a satisfactory final inspection or satisfactory proof of final repairs. If property is a condo, the condo must be FHA or VA (as applicable) approved at the time of submission of the home loan application.
Product Exclusions: Refinances, Home Equity Lines of Credit, transactions involving Consolidation, Extension and Modification Agreements (CEMAs) or loan amounts $2 million or greater.
Ineligibility: The Chase Closing Guarantee does not apply if the following occur: Customer- or Seller-initiates changes (1) to the original closing date documented in the purchase contract; or (2) within 10 calendar days of closing that impact loan amount, product type, contract terms, interest rate or initial rate locks. The Chase Closing Guarantee also does not apply if delays occur as a result of (1) completion of new construction, improvements or repairs being made to the subject property; (2) Failure by the customer or seller to meet contract terms and requirements, including seller-related delays; (3) Force majeure events, including weather or a natural disaster; (4) Third parties; or (5) Customer's failure to respond to Chase requests in a timely manner (e.g. within 2 business days). Additionally, the Chase Closing Guarantee does not apply for transactions in which a direct personal, financial or business relationship exists among any of the parties to the transaction (non-arm's length transactions). Chase reserves the right to amend, terminate or withdraw the Chase Closing Guarantee at any time without prior notice.
Closing guarantees and other awards ("awards") transferred to you under the terms of the program will be considered by Chase a discount of underwriting fees paid at mortgage closing. Any awards transferred at or outside closing in excess of the value of the underwriting fees may be considered miscellaneous income and may be reportable on Form 1099-MISC (Miscellaneous Information) or Form 1042-S (Foreign Person's U.S. Source Income Subject to Withholding) to you and the IRS for the year in which you participate and receive the awards. You are responsible for any tax liability related to participating in the program. Please consult your personal tax advisor for questions about the impact to your personal income tax returns.
3. Existing balance requirements: Under the Relationship Pricing Program, participating customers with existing eligible Chase and J.P. Morgan deposit accounts and/or J.P. Morgan Wealth Management accounts can save off the standard mortgage rate. For Adjustable-Rate Mortgages the rate discount will apply during the initial rate period only. Talk with a Chase Home Lending Advisor or visit chase.com/relationshipoffers for the rate discounts currently available. Any existing funds and/or investments funds (including funds used for down payment) that exit your accounts prior to closing will be deducted from your eligible balance amount. Chase employees are not eligible for the existing balance rate discount. Talk with a Home Lending Advisor for more information.
New money requirements: Additional rate discounts are available under the Relationship Pricing Program, based on the new deposit and/or investment assets transferred to Chase and/or J.P. Morgan Wealth Management accounts and the mortgage loan amount. For Adjustable-Rate Mortgages the rate discount will apply during the initial rate period only. Existing deposit and/or investment assets held with JPMorgan Chase & Co. and any of its affiliates are not eligible. Funds previously held at JPMorgan Chase & Co. or any of its affiliates may also not be eligible. Any existing funds or new deposit and/or investment funds (including funds used for down payment) that exit your accounts prior to closing will be deducted from your eligible transfer amount (you will not be penalized for changes in market value). If the loan amount changes prior to closing, the rate discount will be adjusted accordingly. Funds that settle in a customer's deposit and/or investment accounts 14 calendar days or more prior to completion of a mortgage application are not eligible for the new money discount. New money funds cannot be used for more than one loan.
Combined discount: You can qualify for both the existing balance discount and the new money discount. However, new money deposit and/or investment funds cannot be applied to both discounts. The rate discount for the existing balance or the employee mortgage rate discount, combined with the net new money discount is capped at a max percentage; please talk with a Home Lending Advisor for the current cap.
Loan Closing: If the funds needed to qualify for the existing balance discount and/or the new money discount are not in the customer's account at least 10 calendar days prior to the scheduled closing date, the customer can choose to close the loan without the rate discount or extend the closing date, for which a fee may be charged. Customer may qualify for a post-close rate discount if funds are received and settled within 30 days of closing. Post-close rate discounts may not be available to all customers and may be lower than discounts available prior to closing. The customer must sign a rate change modification to receive the post-close discount and will not receive a refund of any interest paid prior to a rate change taking effect.
Account Eligibility: Qualifying personal banking and/or investment balances will be used in determining the appropriate mortgage rate discount. However, business, deferred compensation, student, custodial, 529 college savings, donor-advised funds, select retirement accounts and non-vested RSU accounts do not qualify. This is not intended as an exhaustive list of eligible or ineligible accounts, which are subject to change; please talk with a Home Lending Advisor.
Chase reserves the right to amend, terminate or withdraw the rate discount at any time without prior notice. Bank deposit accounts, such as checking and savings, may be subject to approval. Deposit and home lending products provided by JPMorgan Chase Bank, N.A. Member FDIC.
J.P. Morgan Wealth Management is a business of JPMorgan Chase & Co., which offers investment products and services through J.P. Morgan Securities LLC (JPMS), a registered broker-dealer and investment adviser, member FINRA and SIPC. Insurance products are made available through Chase Insurance Agency, Inc. (CIA), a licensed insurance agency, doing business as Chase Insurance Agency Services, Inc. in Florida. Certain custody and other services are provided by JPMorgan Chase Bank, N.A. (JPMCB). JPMS, CIA and JPMCB are affiliated companies under the common control of JPMorgan Chase & Co. Products not available in all states.
INVESTMENT AND INSURANCE PRODUCTS:
• NOT A DEPOSIT • NOT FDIC INSURED • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
• NO BANK GUARANTEE • MAY LOSE VALUE
• NOT A DEPOSIT • NOT FDIC INSURED • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
• NO BANK GUARANTEE • MAY LOSE VALUE