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San Francisco Mortgage Rates

Updated: June 27, 2017

Compare today's rates for Mortgage Refinance in CA

Loan Program
Purchase
Refinance
Loan Amount
Loan Type:
Credit Score
State

3.503%

APR
30 Year Fixed
3.375% Rate $884/mo
  • Updated June 27, 2017
  • Convenient digital mortgage
  • Save thousands when you apply online
  • Avoid paperwork and close your loan fast. NMLS#1349168

3.957%

APR
30 Year Fixed
3.875% Rate $940/mo
  • Updated June 27, 2017
  • PenFed Credit Union lends in all 50 States
  • We provide some of the lowest rates and fees available.
  • Go ahead, put us to the test!

3.788%

APR
30 Year Fixed
3.625% Rate $912/mo
  • Updated June 27, 2017
  • $1,000 Best Rate Guarantee
  • Get online rates, payments and an estimate of fees
  • Skip the salesman. Keep the commission!

4.469%

APR
30 Year Fixed
4.375% Rate $999/mo
  • Updated June 27, 2017
  • Refinance to a get a lower payment, cash back or a faster payoff.
  • Rates are still low, but they may rise. Lock your rate today.
  • We have the right loans for first-time and experienced home buyers.

4.050%

APR
30 Year Fixed
4.000% Rate $955/mo
  • Updated June 27, 2017
  • Direct Mortgage Lender. NMLS ID #1168.
  • State License #4130574
  • Apply Online. Quick Prequalification.

4.217%

APR
30 Year Fixed
4.125% Rate $970/mo
  • Updated June 27, 2017
  • Fast, Powerful and Completely Online
  • Get an approval to buy a home or refinance your mortgage in minutes.
  • Save time & avoid paperwork by sharing your financial info instantly.

3.692%

APR
30 Year Fixed
3.625% Rate $913/mo
  • Updated June 27, 2017
  • Certified Upfront Lender! Online Good Faith Est! Apply & Lock Rate 24/7!

4.212%

APR
30 Year Fixed
4.150% Rate $973/mo
  • Updated June 27, 2017
  • N/A

3.675%

APR
30 Year Fixed
3.625% Rate $913/mo
  • Updated June 27, 2017
  • Get Low Rates And Convenience Of Digital Mortgage

3.938%

APR
30 Year Fixed
3.875% Rate $941/mo
  • Updated June 27, 2017
  • Skip the salesman. Keep the commission! View and lock your rate online.

4.255%

APR
30 Year Fixed
4.180% Rate $976/mo
  • Updated June 27, 2017
  • A+ Rating with the Better Business Bureau
Disclaimer

Mortgage rates for San Francisco, California go up to 3.89%

Tuesday, June 27, 2017

Mortgage rates for San Francisco, California on Lender411 for 30-year fixed-rate mortgages are at 3.89%. That increased from 3.84% to 3.89%. The 15-year fixed rates are now at 3.11%. The 5/1 ARM mortgage for San Francisco, California is now at 3.03%.

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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