San Francisco is a one-county city, which means the conforming loan limit that governs Fannie Mae and Freddie Mac financing here is the same limit that applies to the rest of San Francisco County — no crossing a bridge to a different number. For 2026, that limit sits at the high-cost ceiling of $1,249,125 for a single-family home, up from the national baseline of $832,750. With the median sale price across the city running well past $1.7 million, and neighborhoods like Pacific Heights and Sea Cliff routinely clearing seven figures by a wide margin, most San Francisco buyers are working somewhere in Jumbo or Super-Jumbo territory whether they set out to or not.
That reality shapes everything about how a San Francisco mortgage should be structured. A buyer purchasing a two-bedroom condo in the Mission Bay towers near UCSF’s campus has a very different loan profile than a physician relocating to a Pacific Heights townhouse, or a tech employee whose compensation includes a meaningful RSU vesting schedule from an employer expanding its San Francisco office footprint. Standard conventional underwriting doesn’t flex for any of that. Specialty mortgage programs — Jumbo, Super-Jumbo, Physician, and One-Time Close Construction — exist precisely because this market rarely fits inside conforming guidelines.
I work with San Francisco buyers across all four of these programs, and I structure every file around the specifics of this city: the county’s loan limit, the borrower’s actual income documentation (base salary, bonus, RSU vesting, or medical compensation), and the property type, whether that’s a Victorian in Noe Valley, a high-rise unit in Rincon Hill, or new construction in Mission Bay.
Direct, single-point-of-contact mortgage guidance — not a call center handoff
Deep familiarity with San Francisco's high-cost conforming limit and how it interacts with Jumbo pricing
Programs built for tech compensation structures, including RSU and stock-option income documentation
Physician-specific underwriting that accounts for employment contracts, deferred start dates, and residency-to-attending transitions
One-Time Close Construction financing for buyers building in San Francisco's active new-construction corridors
Confidential, no-pressure consultations before you're under contract
Responsive communication throughout underwriting — no disappearing after the application is submitted
Financing structured around your actual documentation, not a generic checklist
Ryan Lehrman, NMLS #235295
Any loan amount above San Francisco’s $1,249,125 conforming ceiling requires Jumbo financing, and in a city where the median home price already sits north of $1.7 million, that describes a large share of purchases here — not just the outliers. I structure Jumbo loans for San Francisco buyers with competitive terms and underwriting that reflects how this market actually prices.
For San Francisco’s upper tier — Pacific Heights mansions, Presidio Heights estates, Sea Cliff view properties — loan amounts routinely move well past standard Jumbo thresholds. Super-Jumbo financing is built for exactly this segment, with underwriting that can account for complex asset profiles, multiple income sources, and significant liquid reserves.
San Francisco’s hospital systems — UCSF Health, Zuckerberg San Francisco General, and Sutter Health’s CPMC campuses — bring physicians, residents, and fellows into this market every year. Physician mortgage programs allow for reduced or no down payment options and underwriting that recognizes an employment contract even before the first paycheck arrives.
Buyers building or purchasing new construction in San Francisco’s active development corridors — Mission Bay, Hunters Point-Bayview, Rincon Hill — can finance the entire project with a single closing, avoiding the cost and risk of separate construction and permanent loans.
In most U.S. markets, a Jumbo loan signals an unusually expensive purchase. In San Francisco, it’s closer to the standard financing path. With the county’s conforming ceiling at $1,249,125 and citywide median prices well above that in many neighborhoods, buyers need a lender who treats Jumbo underwriting as routine business, not a specialty exception requiring extra approval layers.
San Francisco’s employment base — anchored by technology companies expanding their local footprint, including recent office growth from firms like OpenAI, Anthropic, Salesforce, and Uber — means a large share of buyer income includes equity compensation, sign-on bonuses, and vesting schedules rather than a flat salary. Underwriting that only knows how to read a W-2 base salary will systematically undercount what many San Francisco buyers actually earn. I document RSU vesting history, bonus patterns, and equity income the way underwriters actually need to see it.
From Edwardian and Victorian single-family homes in the Richmond and Sunset districts, to high-rise condos in SoMa and Rincon Hill, to new-construction towers in Mission Bay, San Francisco’s housing stock is genuinely varied — and each property type carries different appraisal and condo-approval considerations that a San Francisco-specific lender needs to anticipate before they slow down your closing timeline.
Likely, yes. San Francisco County's 2026 conforming loan limit is $1,249,125, and the citywide median home price already exceeds that in many neighborhoods. Any loan amount above the county limit requires Jumbo financing, which is why most San Francisco purchases — not just luxury ones — fall into this category.
Lenders typically require a two-year vesting history and evidence of continued grants to count RSU or stock-option income toward qualification. I help San Francisco borrowers, particularly those at technology employers, document this correctly so underwriting reflects their full compensation picture.
Yes. Physician mortgage programs are designed to use a signed employment contract, rather than pay stubs, as qualifying income — which matters for physicians starting at UCSF, CPMC, or Zuckerberg San Francisco General before their first pay period begins.
Jumbo covers loan amounts above the $1,249,125 conforming ceiling. Super-Jumbo applies to San Francisco's highest tier of financing — typically well above $2 million — and often involves underwriting for complex asset profiles, private banking relationships, or asset-depletion income.
I’m here to support you every step of the way. If you’re ready to turn your home financing goals into your new reality, let’s work together.
Originally from Harrisburg, Pennsylvania, I moved to Phoenix to attend Arizona State University and have proudly called Phoenix home ever since.
My journey into the mortgage industry began with a friend’s encouragement, who saw how my energy and people-first mindset could make a difference. He was right — I found my calling.
I’ve always embraced what makes me different. With ADHD as my secret weapon, I thrive in fast-paced, detail-heavy environments. I’ve built my career on clear communication, creative problem-solving, and putting clients first, always.
Outside of work, my greatest motivation is my wife and three amazing kids. I’d be honored to help guide you through your lending journey with care, clarity, and commitment.
