For the last several years, almost every conversation about the San Francisco housing market has eventually arrived at the same subjects: affordability, mortgage rates, remote work, technology employment and whether buyers still want to pay extraordinary prices to live in the Bay Area. Now another factor is entering the conversation. Artificial intelligence. The enormous growth of the AI industry isn't simply changing the employment landscape in San Francisco. New reporting s

Many purchased or refinanced when mortgage rates were dramatically lower than today's market. At the same time, years of home-price appreciation have left longtime owners with substantial equity. A recent Realtor.com analysis estimates that the typical California homeowner has approximately $627,000 in home equity. That creates an obvious question: What if you need access to some of that equity but don't want to give up your existing first mortgage? For certain homeow

If you're buying an expensive home in San Francisco, you may need a jumbo mortgage — but probably not as quickly as you think. For 2026, the conforming loan limit for a one-unit property in San Francisco County is $1,249,125. That means there are really three financing ranges San Francisco buyers should understand: 1. Conforming financing up to the national baseline limit. 2. High-balance conforming financing above the national baseline but within San Francisco County's