Welcome to CB Loans, your trusted mortgage broker serving San Francisco, CA. At CB Loans, we specialize in helping homebuyers and property investors navigate the complex mortgage landscape with confidence. Our experienced team is dedicated to providing personalized service, tailored loan options, and expert guidance to secure the best financing solutions for your unique needs. Whether you’re a first-time buyer, refinancing, or looking to invest, we work tirelessly to find competitive rates and flexible terms that align with your financial goals. Located in the vibrant heart of San Francisco, CA, CB Loans prides itself on transparency, integrity, and commitment to customer satisfaction. Let us simplify the mortgage process and turn your homeownership dreams into reality.
Why choose the #1 San Francisco Mortgage Broker for your home loan
When it comes to securing your dream home in San Francisco, you need a trusted partner by your side. At CB Loans, we are proud to be recognized as the #1 mortgage broker in the city, dedicated to making your homeownership journey smooth, affordable, and stress-free.
Expertise You Can Trust
With years of experience in the San Francisco real estate market, our team of mortgage professionals understands the unique challenges and opportunities of buying a home here. We stay ahead of market trends and lender offerings to provide you with the most competitive rates and tailored solutions.
Extensive Network of Lenders
As a top-rated broker, we have established strong relationships with a wide range of lenders, from traditional banks to private lenders. This extensive network allows us to shop around on your behalf, ensuring you receive the best possible loan terms and interest rates.
Personalized Service
Every homebuyer is different. That’s why we take the time to understand your financial situation, goals, and preferences. Our personalized approach means you receive customized mortgage options that align with your needs, whether you’re a first-time buyer, upgrading, or refinancing.
Transparent and Honest Guidance
Navigating the mortgage process can be complex, but our team is committed to transparency every step of the way. We explain your options clearly, help you understand all costs involved, and guide you toward making informed decisions.
Fast and Efficient Process
Time is often of the essence in San Francisco’s competitive real estate market. Our streamlined application process and dedicated team work diligently to secure your approval quickly, so you can seize the opportunity when it arises.
Community-Focused Commitment
As a local San Francisco business, we are deeply invested in our community. Our goal is not just to close deals but to build lasting relationships and help our neighbors achieve their homeownership dreams.
Ready to Start Your Home Loan Journey?
Contact us today and experience why we’re the #1 mortgage broker in San Francisco. Let us help you find the perfect mortgage solution tailored to your unique needs.
Our Home Loan Programs in San Francisco, CA
Home Purchase Loans
Planning to buy a home? We’ll tailor a loan to suit first-time buyers or seasoned investors. Our team personalizes solutions to make your homeownership dream a reality. Trust us to guide you through every step of the process.
Bank Statement & Investment Loans
Stated income loans don’t require tax docs or work history, perfect for investors and self-employed buyers. Even if your credit isn’t perfect, we can help fund your investment property or refinance. We understand the challenges of today’s economic climate.
Refinance Loans
Looking to lower your payments or access cash? Whether you want to refinance for better rates, pull out equity, or change terms, we’ve got options to fit your goals. Refinance with confidence and improve your financial situation today.
Reverse Mortgage
For seniors 62+, a reverse mortgage turns home equity into cash with no monthly payments. Insured by FHA, it provides financial flexibility and peace of mind in your retirement years. Discover if this option is right for you.
Fixed-Rate Mortgage
Secure your payment with a fixed-rate mortgage—your payments stay consistent, giving you peace of mind. Lock in today’s low rates and enjoy stability over the life of your loan. Perfect for long-term homeowners seeking security.
FHA Loans
FHA loans offer up to 97.75% financing and low down payments—just 3.5%! Refinance options like FHA Streamline make refinancing easier without an appraisal, ideal for first-time buyers and those with limited funds.
VA Loans
Veterans have served our country, and VA loans reward that service with great benefits. With over 21 million veterans, we’re proud to help you access favorable loan terms and assistance tailored for military families.
Benefits of Using a Mortgage Broker in the San Francisco, CA
Navigating the San Francisco real estate market can be complex and competitive. Partnering with a local mortgage broker offers numerous advantages to help you secure the best financing options and make your homeownership dreams a reality.
Why Choose a Mortgage Broker in San Francisco California?
Access to a Wide Range of Lenders and Loan Programs:
San Francisco’s unique housing market requires tailored financing solutions. Mortgage brokers have established relationships with multiple lenders, giving you access to a variety of loan options, including those not always available to the general public.
Expert Guidance in a Competitive Market:
With their deep knowledge of the local housing landscape, brokers can help you navigate fast-moving deals and complex requirements, ensuring you stay ahead in competitive bidding situations.
Personalized Service and Local Market Knowledge:
A San Francisco-based mortgage broker understands the nuances of the local market, property types, and financing trends, providing advice that’s specific to your neighborhood and financial situation.
Save Time and Reduce Stress:
Brokers handle much of the paperwork, negotiations, and communication with lenders, streamlining the process and making it less overwhelming for you.
Potential for Better Rates and Terms:
Because of their relationships and negotiation skills, mortgage brokers can often secure more favorable interest rates and loan conditions than you might find on your own.
Assistance with Complex Situations:
Whether you’re a first-time homebuyer, investor, or facing unique financial circumstances, a local broker can craft solutions tailored to your needs.
Make Your San Francisco Home Purchase Easier and Smarter
Partnering with a mortgage broker means having a dedicated expert by your side, committed to finding the best mortgage solution for your dream home in the City by the Bay.
Loan Amounts From $200k to $1M
- 1-year bank statements or 1-year full doc
- Up to 75% CLTV
- Minimum credit score: 680 FICO
- Max combined loan amount: $5 Million
- Fixed terms: 10/15/20/30
- Interest-only available on 30 year term
Loan Amounts From $150k to $450k
- 1 or 2-year bank statements or 1 or 2-year full doc
- Up to 90% CLTV on full-doc, 85% on bank statements
- Minimum credit score: 660 FICO
- Max combined loan amount: $2 Million
- Fixed terms: 10/15/20/30
- Balloon terms 30/15 – 40/15 (minimum $200k loan)
Frequently Asked Questions
1. What types of home purchase loans do you offer?
We offer personalized loan options for first-time homebuyers and seasoned investors, tailored to your specific situation to help make your homeownership dreams come true.
2. What are bank statement and investment loans?
These are stated income loans that don’t require tax documents or work history. They’re ideal for self-employed individuals and investors purchasing or refinancing investment properties.
3. Can I refinance my current mortgage with you?
Yes! We provide various refinance options, whether you want to lower your interest rate and payments or access cash through a cash-out refinance.
4. What is a reverse mortgage?
A reverse mortgage for seniors aged 62+ allows you to convert home equity into cash without monthly mortgage payments. It’s insured by FHA and provides financial flexibility.
5. Why should I choose a fixed-rate mortgage?
A fixed-rate mortgage offers payment stability and peace of mind, with rates that remain unchanged over the life of the loan—ideal for long-term planning.
6. What are FHA loans, and who qualifies?
FHA loans can finance up to 97.75% of your home’s value with a low 3.5% down payment. They’re great for first-time buyers and those seeking easier refinancing options like FHA Streamline.
7. Do you offer benefits for veterans?
Yes! VA loans provide special benefits for over 21 million veterans, including favorable terms and assistance to honor your service.
8. Why should I choose CB Loans?
We offer personalized solutions, competitive rates, and expert guidance tailored to your financial goals. Our team is committed to making your homeownership journey smooth and successful.