Bay Area Mortgage Broker

The Bay Area is not one loan limit, it is nine

Buyers often assume the Bay Area has a single conforming limit. It does not. Six counties sit at the national ceiling, while Sonoma, Napa, and Solano each carry their own lower figure. A Napa purchase and a Marin purchase of identical price can fall into completely different loan programs, and the gap between them is worth real money every month.

A bank quotes you its own sheet and nothing else. As an independent broker, Mike puts your file in front of a wide panel of lenders and lets them compete. You deal with him directly from application to closing, and the quote is free. Our mortgage FAQ answers the questions that come up most.

When your income is stock, not salary

Bay Area compensation rarely looks like a simple paycheck. Restricted stock, bonus, commission, and startup equity all count toward qualifying, but lenders treat them very differently. One will average two years of vesting history, another wants a specific pattern of continuity, and a third will not count unvested shares at all. Same borrower, same offer letter, three different approval amounts. This is where sending a file to the right lender instead of the nearest one changes the outcome.

The same goes for self employed borrowers and anyone whose returns show heavy write offs. Bank statement and asset based programs exist for exactly these situations.

Serving the full nine county region

Mike works with borrowers in San Francisco, San Mateo, Palo Alto, Mountain View, San Jose, Fremont, Oakland, Berkeley, Walnut Creek, Marin, Santa Rosa, Napa, and Vallejo. In a market where sellers weigh certainty as heavily as price, a clean preapproval from a lender that actually fits your file is part of the offer, not paperwork you handle afterward. See the full loan program list, or call and walk through the property.