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San Francisco Mortgage Rates

Updated: May 22, 2015

Compare today's rates for Mortgage Refinance in CA

Loan Program
Loan Amount
Loan Type:
Credit Score


30 Year Fixed
3.990% Rate $954/mo
  • Updated May 22, 2015
  • Find a mortgage right for you. NMLS#98161
  • Enjoy a convenient loan process
  • Low rates. Learn more now.


30 Year Fixed
3.625% Rate $912/mo
  • Updated May 22, 2015
  • $1,000 Best Rate Guarantee
  • Get online rates, payments and a Good Faith Estimate
  • Skip the salesman. Keep the commission!


30 Year Fixed
3.875% Rate $940/mo
  • Updated May 22, 2015
  • Get a customized quote in minutes
  • Free 60-day rate lock and no application fee


30 Year Fixed
4.375% Rate $999/mo
  • Updated May 22, 2015
  • Direct Mortgage Lender. NMLS ID #1168. AZ State Lic #BK - 0906515
  • Billions Funded
  • Apply Online. Quick approvals.


30 Year Fixed
3.625% Rate $912/mo
  • Updated May 22, 2015
  • Low Mortgage Rates. Everyday.
  • Application to Closing in under 30 days
  • Affordable, fast , easy and eager to serve. That's Rate30


30 Year Fixed
3.875% Rate $940/mo
  • Updated May 22, 2015
  • Competitive rates and no hidden fees
  • One dedicated mortgage banker from first call to closing
  • Simple, straightforward process


30 Year Fixed
3.875% Rate $940/mo
  • From the lender: Discover the credit union difference.


30 Year Fixed
3.500% Rate $898/mo
  • Updated May 22, 2015
  • From the lender: 106 Year Old Family Owned Bank. Costco Member? Call For Special Discounts!

Mortgage rates for San Francisco, California go down to 4.58%

Friday, May 22, 2015

Mortgage rates for San Francisco, California on Lender411 for 30-year fixed-rate mortgages are at 4.58%. That dropped from 4.63% to 4.58%. The 15-year fixed rates are now at 3.88%. The 5/1 ARM mortgage for San Francisco, California is now at 0.00%.

San Francisco mortgage refinance ratesSan Francisco is the popular crown jewel of Northern California's Bay Area. The city is best known for its rolling hills and fog that appears, even during the summer. San Francisco has an interesting mix of Victorian and modern architecture. Famous landmarks include: the Golden Gate Bridge, Alcatraz Island and San Francisco's illustrious China Town. 

San Francisco FHA Loans

The Federal Housing Administration (FHA) insures loans that have long been favorites of first time buyers and those with smaller cash reserves thanks to its low down payment requirement and relaxed credit standards. If you qualify, you'll be subject to the following requirements:

  • Down payment, loan-to-value (LTV): 3.5%, 96.5%.
  • Credit score minimum: Typically 580 or greater. 
  • Debt-to-income (DTI): Typically 45-50% or less. 
  • Upfront mortgage insurance of 1.75% the base loan amount is required. 

Annual mortgage insurance premiums of varying percentage are also required, and paid monthly. New FHA borrowers, however, will receive annual MIP rates of half a percent lower than the original rate, typically 1.35%.

San Francisco First Time Homebuyer Loan Programs

San Francisco is an expensive city to live in, especially if you’re a first time home buyer. Luckily, the city has several resources for you to use if you are having a hard time with the financial aspects of owning a home, including down payment assistance and mortgage tax credits. To learn more about these programs and your eligibility, visit Lender411's page for San Francisco first mortgage.

Statewide Grants and Assistance Programs

The California Housing Finance Agency, or CalHFA, offers several options for first-time mortgage, down payment assistance, grants, and tax credits. Among them are:

  • Zero Interest Program (ZIP).
  • Energy Efficiency Mortgage (EEM) Grant .
  • Extra Credit Teacher Home Purchase Program (ECTP).
  • Mortgage Credit Certificate (MCC) Tax Program.

More programs are available, and many work in conjuction with both conventional (non-government) and FHA loans. Read about each on the CalHFA official site

Popular loan programs

user suit Lenders in: San Francisco, California.

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