Quick Checklist
Tap items as you complete them — keep progress on track.
- Get mortgage pre-approval
- Set a realistic budget
- Find a buyer's agent
- Write your 'must have' list
- Plan for inspection & contingencies
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San Francisco Homebuyer's Guide
Plan your home purchase confidently. Follow our step-by-step checklist, use our mortgage calculator, and discover expert tips to make buying your San Francisco home easier.
Perfect for first-time buyers, investors, and anyone navigating the Bay Area real estate market.
Top Tips
- Know your credit score — it affects your interest rate.
- Get pre-approved before house-hunting.
- Budget for closing costs and an emergency fund.
- Attend open houses to refine your priorities.
Affordability Calculator
Estimate your monthly mortgage payment. This is a simplified estimate and does not include taxes, insurance, PMI, or HOA fees.
Down payment
$100,000
Loan amount
$400,000
Estimated monthly payment
$2026.74
Note: This calculator is a rough estimate. Speak with a lender for a personalized quote.
How do I get pre-approved?
Contact a mortgage lender or broker to submit your info. Pre-approval shows sellers how much you’re likely to be approved for.
What are closing costs?
Closing costs include lender fees, title insurance, escrow fees, and taxes. Typically 2–5% of the price.
Ready to take the next step?
I can guide you and help make this process seamless.