San Francisco Bay Area, California
Bay Area Mortgage Broker
Patron Mortgage helps Bay Area homebuyers and homeowners find the right loan — from jumbo financing for high-value properties to ITIN programs for non-SSN borrowers. Available 7 days a week.
Northern California
Mortgage Loans in the San Francisco Bay Area
The San Francisco Bay Area is one of the most expensive real estate markets in the world. Whether you're a tech professional buying in San Jose, a first-time buyer in Oakland, or a homeowner in Fremont looking to tap your equity, Patron Mortgage has the loan programs and lender relationships to help you succeed.
We specialize in jumbo loans for the Bay Area's high-value properties, ITIN loans for borrowers without a Social Security Number, and a full range of conventional, FHA, and VA programs. Our senior loan officer Randall Ortiz is available 7 days a week to walk you through your options.
As a mortgage broker, we work with multiple lenders — giving you access to competitive rates and more options than you'd find at a single bank.
Why Bay Area Borrowers Choose Us
- Jumbo loan specialists for high-value Bay Area properties
- ITIN loans for non-SSN borrowers throughout the Bay Area
- Access to multiple lenders for competitive rates
- Available 7 days a week, including evenings & weekends
- Free consultations with no obligation
- NMLS licensed — transparent and trustworthy
What We Offer
Loan Programs in the Bay Area
Jumbo Loans
Financing above conforming limits for the Bay Area's high-priced real estate market.
Conventional Loans
Competitive rates and flexible terms for Bay Area buyers with strong credit profiles.
FHA Loans
Low down payment options starting at 3.5% for qualified Bay Area borrowers.
VA Loans
Zero down payment financing for eligible veterans and active-duty military in the Bay Area.
ITIN Loans
Home purchase and refinance programs for Bay Area borrowers with an ITIN instead of an SSN.
Hard Money Loans
Fast approvals for Bay Area real estate investors and fix-and-flip projects.
Cash-Out Refinance
Access your Bay Area home's substantial equity for renovations, investments, or debt payoff.
HELOC
Flexible home equity line of credit for Bay Area homeowners.
Service Area
Cities We Serve in the Bay Area
Patron Mortgage serves homebuyers and homeowners throughout the San Francisco Bay Area, including:
Common Questions
Bay Area Mortgage FAQs
Ready to Get Started in the Bay Area?
Call us, email us, or request a free quote online. We're available 7 days a week — no obligation, no pressure.