Beautiful San Francisco California skyline and Golden Gate Bridge with professional mortgage broker services
San Francisco Bay Area, California

San Francisco Mortgage BrokerTech Professional Specialist

Serving the Bay Area with jumbo loans, bank statement programs, and specialized financing for tech professionals. Licensed NMLS #2055084 with competitive rates.

Apply Now - Bay AreaCall (949) 478-7641

Get Your SF Rate Quote

Tech-friendly application

Required fields are marked with an asterisk (*)

By submitting this form, you consent to receive automated text messages, calls, and emails from 21st Century Lending / Aditya Choksi at the number and email provided regarding your mortgage inquiry. Message frequency varies. Message and data rates may apply. Reply STOP to opt out at any time. This is not a commitment to lend. Your information is secure and will not be shared with third parties. View our Privacy Policy.

NMLS #2055084 | Equal Housing Opportunity | Licensed in CA

San Francisco Housing Market Insights

Stay informed with the latest market data for one of the world's most competitive real estate markets.

$1,485,000
Median Home Price
$4,200
Average Rent
875,000
Population
37.2%
Homeownership Rate
18 days
Days on Market
+3.8%
YoY Appreciation
NMLS Licensed Loan Officer
VA Loan Specialist
NonQM Certified
CalHFA Approved Lender
Equal Housing Opportunity
NMLS
Licensed
Nationwide Multistate Licensing System
VA
Certified
Veterans Affairs approved lender
CalHFA
Approved
California Housing Finance Agency
Equal
Housing
Equal Housing Opportunity Lender

Aditya Choksi NMLS ID: | 21st Century Lending NMLS ID: |NMLS Consumer Access

Bay Area Mortgage Programs Available

Specialized lending solutions for San Francisco's tech professionals, entrepreneurs, and luxury property buyers.

Jumbo Loans

Essential for San Francisco's luxury real estate market

  • Loans up to $3.2 million
  • Competitive jumbo rates
  • 10-20% down options
  • Fast tech-friendly processing

Bank Statement Loans

Perfect for Bay Area tech professionals and entrepreneurs

  • 12-24 month bank statements
  • No tax returns required
  • Stock option income accepted
  • Self-employed friendly

High-Balance Conventional

Conventional loans up to SF conforming limits

  • Up to $1,089,300 loan amount
  • Lower rates than jumbo
  • Tech income verification
  • Asset-based qualifications

Investment Property Loans

Financing for Bay Area real estate investments

  • DSCR loan programs
  • Multi-unit properties
  • Portfolio building
  • Interest-only options

Bay Area Communities We Serve

Providing expert mortgage broker services throughout the San Francisco Bay Area.

Major Cities

San Francisco
Oakland
San Jose
Fremont
Hayward
Sunnyvale
Santa Clara
Berkeley
Richmond
Concord
Daly City
San Mateo
Alameda
Redwood City
Mountain View

San Francisco Neighborhoods

SOMA
Mission District
Castro
Noe Valley
Pacific Heights
Russian Hill
North Beach
Chinatown
Financial District
Presidio
Marina District
Hayes Valley
Potrero Hill
Sunset District
Richmond District

What Bay Area Clients Say

Real experiences from satisfied homeowners throughout the San Francisco Bay Area.

Your Bay Area Mortgage Expert

With deep understanding of the Bay Area's unique market dynamics—from SOMA tech hubs to Pacific Heights luxury properties—I specialize in complex income scenarios and high-balance financing for discerning Bay Area buyers.

Tech Professional Specialist

Expert in stock options, RSUs, and complex tech compensation packages

Jumbo Loan Expert

Specialized in SF's luxury market with loans up to $3.2 million

Fast Competitive Markets

Quick pre-approvals and expedited closings for competitive Bay Area market

Ready to Get Started?

Get your personalized Bay Area rate quote today

Get Pre-Approved Now
(949) 478-7641
aditya@21stcenturylending.com

Start Your Bay Area Home Loan Today

Get pre-approved with our tech-friendly 3-minute application. No obligation, and I'll have your personalized rate quote ready within 1 hour.

Get Your SF Pre-Approval

Tech-friendly application

Required fields are marked with an asterisk (*)

By submitting this form, you consent to receive automated text messages, calls, and emails from 21st Century Lending / Aditya Choksi at the number and email provided regarding your mortgage inquiry. Message frequency varies. Message and data rates may apply. Reply STOP to opt out at any time. This is not a commitment to lend. Your information is secure and will not be shared with third parties. View our Privacy Policy.

NMLS #2055084 | Equal Housing Opportunity | Licensed in CA

Why Choose Us for Your Bay Area Mortgage?

  • Tech Income Expert: Specialized in stock options, RSUs, and complex tech compensation
  • Jumbo Loan Specialist: Expert in SF's luxury market with competitive jumbo rates up to $3.2M
  • Bank Statement Loans: Perfect for entrepreneurs and self-employed tech professionals
  • Fast Closings: Expedited processing for competitive Bay Area market conditions