$1.35M
Median Home Price
$950,000
Avg. Loan Amount
874K
Population
68+
Licensed Lenders
Key San Francisco Neighborhoods
Explore popular neighborhoods and their median home prices. Click on map markers for details.
Map Legend
Pacific Heights
$5.5MUltra-luxury, established wealth
Marina District
$1.8MYoung professionals, tech workers
SOMA
$1.1MTech hub, modern condos
Noe Valley
$2.2MFamily-friendly, tech executives
Mission District
$1.4MTrendy, diverse community
Russian Hill
$1.9MHistoric charm, professionals
San Francisco Real Estate Market
Why Non-QM loans are popular in San Francisco
Tech industry creates many borrowers with stock-based compensation and complex income
Startup founders often need bank statement loans due to reinvested profits
Extremely high property values require jumbo Non-QM solutions
Strong rental market supports DSCR investments despite high prices
Popular Non-QM Programs in San Francisco
These loan programs are especially popular among San Francisco borrowers
Frequently Asked Questions
Common questions about Non-QM loans in San Francisco
Can I use RSUs or stock options to qualify for a mortgage in SF?
Yes, asset depletion loans allow you to use vested RSUs, stock options, and other liquid assets to qualify. Some lenders also consider unvested RSUs as compensating factors.
What's the maximum loan amount for Non-QM in San Francisco?
Jumbo Non-QM loans in San Francisco can go up to $5 million or more depending on the lender. Some portfolio lenders offer even higher limits for qualified borrowers.
How do startup founders qualify for mortgages in San Francisco?
Bank statement loans are popular for startup founders. You can qualify using 12-24 months of business bank statements, showing cash flow rather than taxable income.