Tony and Lisa, SF Natives.
Putting them first since 1991.

BUYING A HOME

Looking to buy your first home?

Thinking about buying your first home? Feeling a little overwhelmed about the homebuying process? Don’t worry, we’ve got you covered.

First-Time Homebuyers Webinar

Thinking about buying your first home? Feeling a little overwhelmed about the homebuying process? Don’t worry, we’ve got you covered.

Check out the video below to learn about the homebuying process, what you'll need to do to get preapproved, and more. 

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When it comes to financ­ing a home for the first time, you might have a lot of ques­tions. Here are some things to con­sid­er as you go shop­ping for your new home.

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11 Things to do Before Buying a House

Buy­ing a home is an excit­ing time and a huge achieve­ment. Before you buy that wel­come mat, here are 11 things you should know and do. 

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Do You Need a 20% Down Payment?

Learn about down pay­ments and how they impact your home pur­chase. Do you real­ly need 20% down?

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How Long Does it Take to Buy a House in the Bay Area?

Tired of rent­ing? Learn about the steps to buy­ing a house in the Bay Area, how long it takes, and how to speed up the process. 

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What Is Private Mortgage Insurance?

When apply­ing for a home loan, it’s impor­tant to know how pri­vate mort­gage insur­ance can impact the home buy­ing process. Buy­ing mort­gage insur­ance can low­er your down pay­ment, leav­ing you cash to spend on oth­er costs of buy­ing a home such as mov­ing expens­es and repairs.

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Why the Debt-to-Income Ratio Matters

Lenders con­sid­er a lot of fac­tors about your mort­gage appli­ca­tion. Your debt-to-income ratio is a key fac­tor in deter­min­ing inter­est rates, terms, and even approval itself. 

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Buying a Home

Why the Loan-to-Value Ratio Matters

When apply­ing for a loan, it’s impor­tant to under­stand the loan-to-val­ue ratio: what that means and how it impacts what you can bor­row and at what inter­est rate.

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Tony and Lisa, SF Natives.
Putting their family first since 1991.
BUY OR REFINANCE A HOME

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Our great rates, local expertise, and member-first service make us the best choice for your mortgage.

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Tony and Lisa, SF Natives.
Putting their family first since 1991.
Kundan, Bay Area artist.
Putting her first since 2016.
CREDIT CARDS

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Our fee-friendly Platinum Visa Credit Card comes with rewards, travel benefits, and a low APR.

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Kundan, Bay Area artist.
Putting her first since 2016.

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