Today's Mortgage Rates

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The process of finding a low rate San Francisco mortgage will test your knowledge of lending and household finance. Undoubtedly, you'll be presented with words and concepts that are unfamiliar. If you're feeling slightly nervous about conversing with a prospective lender, rest assured that you're in the right place. has trustworthy answers to all of your mortgage-related questions. You can learn how mortgages amortize, why some mortgages have teaser rates, and what happens when you don't make your mortgage payments. The news and advice page is a good starting point; it features articles by topic, and links to mortgage calculators and the San Francisco broker directory. You'll also find mortgage interest rates and a place to request rate estimates, personalized to your situation. When you're ready to talk directly with a lender, simply click to the broker directory for referrals. 

Bad Credit?

Bad credit mortgages are offered to mortgage applicants who have had difficulty managing credit accounts in the past. These mortgages, sometimes called subprime loans, generally have higher fees and more restrictive terms than prime mortgages. If you have a low credit score, it's particularly important that you take steps to protect your interests by:

  • Consulting with several lenders.
  • Obtaining several written, binding mortgage offers.
  • Reviewing terms meticulously.
  • Declining loans that you can't afford for the foreseeable future.

Loan Rates

San Francisco mortgage loan rates fluctuate with the state of the economy. When banks have to pay more to borrow money, interest rates rise, and vice versa. Don't count on being able to time the market, because even experts can't predict these trends effectively. A better option is to focus on the factors you can control. Since your qualifications as a borrower affect your offered rate, start by checking your credit report. Clean it up as much as possible before you begin submitting loan applications. Also, make sure that you aren't borrowing more than 80 percent of the home's value. Lastly, avoid mortgages with special payment features, such as option payments or interest-only payments, since these can carry higher rates.


Perhaps you're refinancing your city apartment or purchasing a bay view home. In either situation, you need to compare offers from several San Francisco lenders to ensure that you're getting a great deal on that mortgage financing.

The process of comparing San Francisco mortgage quotes is relatively straightforward when you have a mortgage calculator at your disposal. If you're wondering which offer is better, a fixed-rate mortgage (FRM) or an adjustable-rate mortgage (ARM), simply refer to's comparison calculators.  If you aren't sure which loan will cost more in total interest, a calculator can determine that, as well. More importantly, you need to collect many mortgage offers to make a realistic comparison. Start by requesting rate quotes, or visit the San Francisco broker directory to contact lenders directly.