Home Blog Apply Now! Speak to a Live Loan Officer: (415) 361-5528
Home Blog Apply Now! Speak to a Live Loan Officer: (888) 502-2136

Home Blog Apply Now!

Speak to a Live Loan Officer:

(415) 361-5528

Welcome to Golden State Mortgage
Your San Francisco Mortgage Lender


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Jump in Front of the Line – Apply Now!
Type of loan?


Our Popular San Francisco Home Loans
30 Year Conventional, FHA, VA and USDA loan options
Conventional Fixed

4.375% | 4.458% APR

Primary, 2nd Homes &
Investment properties

FHA Rates

4.125% | 5.035% APR

Great for 1st time
home buyers, only 3.5% down

VA Rates

4.250% | 4.296% APR

100% Loan to $424,100 Tx Vet
Program Available

USDA Rates

4.250% | 4.695% APR

100% Financing Options
Rural Properties

Rates current as of 10/16/2017, 2:56:53 PM . Rate Assumptions


San Franciso Jumbo Loans

San Francisco Home Loans
Jumbo Home LoansLoans over $417,000

San Francisco Conventional Mortgage

  • Freddie Mac and Fannie Mae
  • Direct Lender
  • 97% Loan to Value
  • 90% Loan to Value High Balance

San Francisco Jumbo Mortgage

  • Loan Amount to 3 Million
  • 80% Loan to Value
  • Fixed Rates and Adjustable Rates (ARMS)

San Francisco VA Loans

San Francisco VA Loans
VA Home LoansProudly serving our US Vets!

San Francisco VA Mortgage Advantages

  • Zero Down Payment to Conforming Limits
  • NO Monthly Mortgage Insurance
  • Low Rates / Easier Credit Qualifying
  • Fewer Debt to Income Restrictions
  • Lower Credit Scores / Alt Credit OK
  • Jumbo Available with Down Payment
  • 4% Seller Concessions
  • Funding Fee Can be Financed

San Francisco FHA Loans

San Francisco FHA Loans
FHA Home Loans1st Time Home Buyers

San Francisco FHA Mortgage Benefits

  • Great for First Time Home Buyers
  • 3.5% Down Payment
  • Low Rates / Easier Qualifying
  • Lower Credit Scores / Alt Credit OK
  • Down Payment Assistance Allowed
  • Higher Debt to Income Allowed
  • Co-Borrowers Allowed
  • Streamline Refinance Available

San Francisco Home Loans


2244 Pacific Coast Hwy #207 Lomita CA 90717

Northern California Home Loans

Sacramento Loans

San Francisco Loans

San Jose Loans

Central California Home Loans

Fresno Home Loans

Southern California Home Loans

Los Angeles Loans

San Diego Loans


San Francisco Mortgage Lenders | Home Loans & Mortgage Refinance

Golden State Mortgage provides expert service in the field of residential mortgages in San Francisco. Local to California we are a direct mortgage lender with ultra competitive rates and top notch customer service. Our home loan experts will help pick the best loan option for you and secure the best possible rates. With in-house underwriters we are able to make fast decisions and close loans quickly. Whether a first time home buyer needing a FHA loan, US military in need of a VA mortgage, or Jumbo mortgages, we can pick the best loan program for your individual needs. We specialize in San Francisco new home purchases, jumbo home loans and mortgage refinance.  VA home loans and FHA home loans for our US military and 1st time home buyers also available. Call today for a free good faith estimate!

Our Mortgage Loan Process

San Francisco Home Loans

  • San Francisco Direct Lender with Low Rates & Fees
  • Streamline Process, Fast Closings & On Time Fundings
  • Same Day Pre-Approvals
  • 28 Day Closings!

Value of the Golden State Difference
(it’s our people!)

Dale Gremillion
Sr Loan Officer

Russell Stout
Sr Loan Officer

Shelly Gremillion
Sr Loan Officer

Ryan Collins
Client Relations Specialist

San Francisco Mortgage Lenders | FHA, VA & USDA Home Loans

Call today and learn why more people are choosing Golden State Mortgage as their preferred mortgage lenders in San Francisco. For new home purchases we offer same day approvals and strive to close all loans in 28 days or less. We specialize in FHA home loans for 1st time home buyers and VA home loans for your US Veterans. Call today for a free good faith estimate and let us earn your business!