Mortgage Broker in the Bay Area for Jumbo & Non-QM Loans
As a mortgage broker serving the Bay Area’s most dynamic communities—San Francisco, Palo Alto, Menlo Park, Atherton, and Cupertino—we deliver competitive jumbo mortgage rates and flexible programs designed for today’s Bay Area buyers. Whether you’re a founder, early employee, or investor, we know how to structure jumbo financing around RSUs, complex income, and even digital assets.
Why Homebuyers Trust LendFriend With Their Jumbo Loans in Bay Area
At LendFriend Mortgage, we specialize in helping Bay Area buyers secure jumbo financing that aligns with both lifestyle and liquidity—whether that’s a 30-year fixed jumbo mortgage, a strategic ARM, or a non-QM solution for non-traditional income. With access to top jumbo lenders nationwide, we deliver programs tailored for Silicon Valley startups, tech executives, and crypto-savvy investors.
Here’s why jumbo borrowers in San Francisco, Palo Alto, Piedmont Atherton, and beyond choose us:
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We know jumbo. From luxury view homes in San Francisco to estates in Atherton and family-friendly neighborhoods in Cupertino, we’ve financed some of the Bay Area’s most prestigious addresses. We know which lenders move quickly and price competitively in high-cost markets.
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Beyond 30-year fixed. While many borrowers prefer a traditional fixed-rate jumbo mortgage, we also offer ARM programs like the 7/1 or 10/1—ideal for those planning to sell, refinance, or exit equity in just a few years.
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RSU-based qualification. Bay Area tech employees often receive a large portion of income in stock grants. Our RSU Mortgages average vesting schedules to convert restricted stock units into qualifying income, helping you unlock larger jumbo loan approvals without waiting for full vesting.
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Crypto-backed jumbo mortgages. For founders and investors holding digital assets, our crypto-backed mortgage let you qualify without liquidating Bitcoin or Ethereum and triggering capital gains.
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Flexible qualification programs. Beyond RSUs and crypto, we offer bank statement loans and asset depletion jumbo programs for entrepreneurs, venture capital partners, and high-net-worth buyers with complex income streams.
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Fast approvals in high-cost areas. The Bay Area is one of the nation’s most competitive real estate markets. Our jumbo loan process is designed for speed—clear preapprovals, strong lender relationships, and closings in 30 days or less.
What Our Jumbo and Self Employed Borrowers Say About LendFriend
5/5 Star Reviews on Google, Zillow, and Experience.
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LendFriend has been an outstanding lending partner, reliable, transparent, and incredibly easy to work with. Their team made the entire process smooth from start to finish, always available to answer questions and guide us through each step. I highly recommend LendFriend to anyone looking for a trustworthy and efficient lender.
Trung Nguyen
Closed July 2025 -
Wow my husband and I were truly impressed with how easy the LendFriend team made our home buying experience. Eric and his team took extra care in explaining and outlining each step -- a real customer first experience. On top of that, each member of the team was incredibly knowledgeable, organized, and responsive; resulting in an expeditious close! The website promise of working around the clock to support you is 100% factual, we had staff answering questions late night and weekends. The entire team was a real pleasure to work with, so if you are looking for a mortgage broker look no further, LendFriend is the team for you! They will give you peace of mind, get you the best rates, and make you feel confident when buying your home :)
Sarah Carr
Closed May 2025 -
I had been looking for a house for 2-3 years and while it was a journey as a business owner with a difficult financial situation this company did what 6 others could not. They got me a jumbo loan based off my business income and when I needed more they just made it happen twice. This process of funding can be extremely difficult and basically a blow to the ego but Eric and his team are literally magicians and my fiancee and I are now closed on out dream house. I recommend them whole heartedly
Shawn Tassone, MD, PhD
Closed April 2025 -
LendFriend made my homebuying experience so easy. As a business owner, I heard horror stories about how hard it can be for guys like me to get a mortgage. Thankfully I found LendFriend. Eric and the team had me approved in no time. My rate was great and they closed on time. Couldn’t ask for more
David Marino
Closed August 2025 -
I am so grateful for Micheal and his team at LendFriend. As a first time homebuyer with multiple businesses, I was very nervous about the loan process. Anyone who’s self employed knows loan processes for us are more extensive but LendFriend made it an ease. From getting a great rate to closing, they made clear communication and were extremely helpful in making sure I had everything I needed to ensure we got the final approval well in advance of closing date. They are truly amazing people to have on your team. Thank you Micheal, Morgan and Crystal for your encouraging words and optimism throughout this process.
Annie Momin
Closed September 2024
Loan Programs To Suit Every Bay Area Borrower's Needs!
With access to hundreds of mortgage investors, we offer flexible home loan options for nearly every situation. Whether you're applying with 1099 income, running your own business, looking to leverage your assets, we’ve got you covered. We're here to say yes where traditional lenders have said no. Let us help you make homeownership happen.
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Asset Depletion Mortgage for HNW Individuals
Leverage your assets to qualify for your dream home with an asset depletion mortgage. Use your bank accounts, investment portfolios, and retirement funds as income. Our asset-based lending solutions are ideal for high net worth individuals with non-traditional income.
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Self Employed Mortgages For Entrepreneurs and 1099 earners
Getting a mortgage for self employed income shouldn't be so hard. We make it easy with self employed mortgage options that don’t require tax returns or W2s—no red tape, just real solutions.
Crypto-Backed Mortgages for Bitcoin and Ethereum Investors
Buy a house with bitcoin without selling a token using crypto-backed mortgages! No income needed. Qualify to buy your dream home using just your Bitcoin and Ethereum holdings
RSU Mortgages For Tech Employees
Leverage your Restricted Stock Units to qualify for a mortgage without waiting or cashing out shares. Our RSU mortgage program recognizes vested stock grants as income, giving tech employees and equity-compensated professionals a faster path to homeownership.
Buy Before You Sell
Move into your new home before selling your current one with our Buy Before You Sell program. Unlock your equity upfront, avoid contingent offers, and buy with confidence—without the stress of timing two closings.
One Time Close Construction Loans
Build your dream home and skip the stress of multiple closings. Our one-time close construction loan covers construction and permanent financing—saving time, money, and hassle from start to finish.
Straightforward Qualification That Works for Bay Area Buyers
Ready to qualify for a jumbo loan in San Francisco or Silicon Valley? At LendFriend, we make the process clear and straightforward.
Transparent income, credit & DTI guidelines
We clearly explain jumbo loan requirements—credit score, documentation, and debt-to-income ratios—so you know exactly what lenders expect in a high-cost market.
Flexible solutions for founders, tech employees, and investors
Not every Bay Area buyer fits into a W-2. That’s why we specialize in jumbo mortgage programs designed around RSU income, stock options, and even crypto-backed mortgages. These solutions are ideal for startup founders, early employees, and investors purchasing in San Francisco, Palo Alto, Atherton, or Menlo Park.
Get Started On Your Bay Area Home Purchase Today
Whether you’re buying a San Francisco view condo, a Palo Alto family home, or an Atherton estate, our team structures jumbo financing around your goals. From 10-percent-down jumbo loans to RSU-based approvals and non-QM options, we make sure you’re set up for success.
Apply for a jumbo loan online today or connect with a local expert. We’ll compare current jumbo mortgage rates in the Bay Area, explain how jumbo loans differ from conforming mortgages, and lay out a clear path to closing. Many of our clients in San Francisco, Palo Alto, Menlo Park, and Cupertino close in as little as 30 days.
FAQs – Getting a Jumbo Loan In The Bay Area
What loan amount qualifies as a jumbo loan in the Bay Area?
For 2025, the conforming loan limit for a one-unit property in San Francisco County, San Mateo County and Santa Clara County is $1,209,750. Any mortgage above this amount is considered a jumbo loan. Because the Bay Area is designated as a high-cost area, buyers can borrow more under conventional guidelines before crossing into jumbo territory. However, in most Bay Area neighborhoods—San Francisco, Palo Alto, Menlo Park, Atherton, Cupertino, and beyond—home prices exceed this threshold, making jumbo mortgages the default financing option.
How much can I borrow with a jumbo loan in the Bay Area?
With strong qualifications, jumbo loan amounts can extend well into the multi-million-dollar range. In the Bay Area, it’s common for jumbo loans to reach $8 million or more for qualified buyers. The higher the loan amount, the stricter the lender will be with DTI ratios, LTV requirements, credit scores, and reserve funds. Founders, tech executives, and investors with substantial RSU income or liquid assets often unlock the best jumbo mortgage rates and most flexible approvals.
Do jumbo loans require perfect credit?
Not always. While a credit score of 705+ is preferred for the most competitive jumbo loan rates, borrowers with slightly lower scores may still qualify with compensating factors like larger down payments or high reserves. At LendFriend, we help Bay Area clients improve credit if needed so they’re positioned for the lowest available jumbo mortgage interest rates today.
Can I get a jumbo loan if I’m self-employed or have complex income?
Yes. We work with non-QM jumbo programs including RSU-based mortgages, bank statement loans, and crypto-backed mortgages. These programs allow startup founders, self-employed professionals, and investors to qualify using income beyond traditional W-2s or tax returns—ideal for buyers in Silicon Valley and San Francisco’s tech corridor.
What property types are eligible for jumbo financing?
Eligible properties include single-family homes, condos, townhomes, second homes, and 2–4 unit investment properties. In the Bay Area, that could mean a San Francisco condo, a Menlo Park family home, or an Atherton estate. We shop multiple jumbo lenders to secure competitive pricing and terms tailored to your property type.
How do jumbo loan interest rates compare to conventional rates?
In high-cost areas like the Bay Area, jumbo loan rates can be just as competitive—or even lower—than conventional rates, depending on market conditions. Some Bay Area buyers secure better pricing with 30-year jumbo mortgage rates, while others save more with jumbo ARM rates like the 7/1 or 10/1. We compare current jumbo mortgage rates across multiple lenders to ensure you lock in the best fit for your financial plan.
Can I refinance a jumbo loan?
Yes. Many Bay Area homeowners choose a jumbo refinance to reduce their interest rate, switch from an ARM to a fixed-rate loan, or access equity for liquidity. Jumbo refinance rates vary by lender, and qualifications are often stricter than for conforming refinances. Whether you’re in San Francisco, Palo Alto, or Los Gatos, we’ll shop multiple jumbo mortgage lenders to secure the most competitive structure for your refinance goals.
Why Choose LendFriend?
At LendFriend Mortgage, jumbo loans aren’t just one of the programs we offer—they’re a core specialty. We match borrowers with the right jumbo lender for their property, financial profile, and goals, with no hidden fees and a process built for speed. Whether you want a fixed 30-year, a 7/1 ARM, or a flexible non-QM option, we make it simple to get approved and close quickly.
Around the Clock
We’re available 7 days a week to help you compare jumbo mortgage rates, review lender options, and move forward with confidence—whether you’re buying a primary home, second home, or investment property.
Loan Options
We offer a full range of jumbo financing solutions, from conventional fixed rates to ARMs, bank statement loans, and asset depletion programs—so you get the right fit for your goals.
Get Pre-Approved Quickly
Our jumbo preapproval process strengthens your offer and gives sellers confidence in your ability to close on higher-priced properties. You can apply for a jumbo loan online in minutes, making it faster and easier to get started.
Competitive Rates with No Points
We shop multiple jumbo lenders to find the most competitive rates for your profile—without unnecessary points or hidden charges.
Personalized Mortgage Guidance
You’ll work one-on-one with a jumbo mortgage expert who will explain your options, help you structure your file for approval, and guide you through underwriting with clarity.
Close in less than 30 days
Our process is designed for larger transactions, so most jumbo loans close in 30 days or less—even in competitive markets like Austin, Dallas, and Houston.