Conventional Loans
in the Bay Area

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One of the most popular types of home loans in the San Francisco Bay Area is conventional financing. Conventional home loans fit within the financing limits set by Fannie Mae and Freddie Mac.

Conventional Loans Offer Flexible Financing

Why consider a conventional loan? This type of loan is easy to customize to your needs, especially if you have a good credit score.

With a conventional loan, you can choose a fixed or adjustable mortgage rate. You can pick a loan term which can help you pay off your home on a timeframe which is comfortable for you. A loan like this can be structured to help you achieve your homeownership goals.

What are the Conventional Loan Limits in the San Francisco Bay Area?

To qualify for a conventional loan, you must b applying for financing within the conforming loan limits established by Fannie Mae and Freddie Mac.

Here are the conforming loan limits for San Francisco County:

1 UNIT

$726,525

2 UNITS

$930,300

3 UNITS

$1,124,475

4 UNITS

$1,397,400

Because the Bay Area is a high-cost housing market, these conforming loan limits are higher than those which are in place for much of the country.

These are also the conforming loan limits for Marin, San Mateo, Santa Cruz, Santa Clara, San Benito, Monterey, Napa, and Contra Costa. The loan limits are lower in some of the other nearby counties.

If you are not sure what the conventional loan limits are for the county where you would like to buy a home, this is something we can inform you of during your consultation.

What Rates and Terms Will You Qualify For?

We get many questions from customers who are applying for conventional financing in the San Francisco metropolitan area.

You may be wondering:

What interest rates will I qualify for?

What loan terms are available?

How affordable will my home loan be?

What you will be eligible for when you apply for a conventional loan depends on:

Your credit score.

Your debt-to-income ratio.

How large a down payment you are able to make.

Your employment status and history.

All of these have an impact on your risk profile. The less risk you present as a borrower, the more willing lenders will be to extend you favorable loan offers.

What Our Clients Are Saying

Phillip Lavios
Phillip Lavios
00:01 13 Jun 19
Mike Alex, and Mailly are the best to deal with when refinancing your home, they made the process seamless, and cery painless! They were very patient with me, and I highly recommend them to refinance your home!read more
seymur107
seymur107
06:23 25 Apr 19
Mike is a lifesaver! After I found my dream house, I was working with another lender who was bringing new problems every day and delaying the process and keep promising. After 6 weeks time waste they said they cannot do my loan. That's when Mike came in like an angel and saved us. In less than 2 weeks he closed the deal and asking almost no additional documents. Very smooth process. It was a hard lesson for me that its very important to work with the right people, especially if you making one of the most important financial decisions of your life. And Mike and his team are definitely are the best people for it!read more
Eyebrow Plus, Inc.
Eyebrow Plus, Inc.
21:55 17 Jan 19
We had a great experience with Bridgepoint Funding. The loan process was smooth and faster than we expected. The Bridgepoint team is strong and well-coordinated.Thank you Alex, Mike and Maily for your much needed help!F. Aread more
Stephen Jotten
Stephen Jotten
23:50 29 Dec 18
This was the most smooth loan process my wife and I were able to have. Mike and his staff made sure we did not lose our first house. It was a seamless process.
Armando Troche
Armando Troche
08:51 23 Nov 18
Bridgepoint Funding was effective, reliable, and efficient. We switched from a different lender to find a better interest rate. Mike and his team worked quickly to gather our documents, secure the best interest rate, and get our loan squared away. Now we're living it up in our new home!read more
KelliCardenas PS video
KelliCardenas PS video
14:21 29 Mar 18
I have been working with Mike, Kim, and Alex for a lot of years and all of them go that extra mile when it comes to professionalism and customer service. I have worked with many different lenders over the years, but Bridgepoint Funding is the best by far! They do not discriminate against anyone, no matter what! They treat every client with respect and fairness. I know from experience that if your loan process hits a bump in the road, Mike and his staff always remain calm and the end results are a closed loan and a happy client. I would highly recommend the Bridgepoint funding staff for any lending needs.read more
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Apply for a Bay Area Conventional Loan Now

Ready to find out what you will qualify for? Please call (925) 478-8630 today to schedule a consultation with one of our loan experts. Once we review your financial information, we can help you to apply for a competitive conventional loan. With our wide network of lenders throughout the Bay Area, we can bring you the most competitive rates.

We are based in Walnut Creek CA, we serve customers in the San Francisco Bay Area. This includes Martinez, Concord, Pleasant Hill, Alamo, Danville, San Ramon, Orinda, Moraga, Lafayette and throughout California.

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