At Bank of San Francisco, we realize that your time is valuable. While today's economic environment provides unprecedented opportunities to purchase property and/or refinance an existing loan, the process can be overwhelming. In addition to offering competitive interest rates and loan programs, our team provides an efficient and transparent process that will save you time and money. Whether purchasing or refinancing, we offer a variety of mortgage solutions including fixed rate and adjustable rate loans*.

Our residential loan programs include financing for single-family homes and condos, TIC and co-ops, multi-unit properties, vacation homes or investment properties, construction and renovation loans, home equity lines of credit, and bridge loans.

Our residential lending team offers:

  • Local decision making, meeting local needs
  • One point of contact throughout the entire process
  • Local underwriting, document preparation, and funding
  • Jumbo loans, conforming loans, and interest only loans
  • Loan amounts up to $4 million
  • Pre-qualifications available within 24 hours
  • Less than 14-day close of escrow
  • Competitive fixed and adjustable rates


Bank of San Francisco offers a comprehensive suite of residential loan products to fit your needs, including:

TIC & Co-Op Loans

We recognize the special needs of our housing market and are proud to offer TIC and co-op loans with competitive rates and personalized service.

Single-Family Home and Condo Loans

Let us help you buy your home or refinance your mortgage using a seamless 14-day process.

Condo Conversion Loans

Let us assist you in converting your TIC property into a condominium.

Multi-Unit Property Loans

Let us guide you through the process of financing your multi-unit building.

Vacation Home Loans and Investment Properties

Take advantage of our straightforward approval process for purchase of a vacation home or investment property.

Construction and Renovation Loans

Let us help you create your dream home using Bank of San Francisco financing.

Home Equity Lines of Credit

Borrow funds against your home equity to renovate or remodel your home, finance a child's college education, consolidate debt, create an emergency fund, and more.

Bridge Loans

Leverage the lendable equity on your existing home to put toward the down payment on a new one with only one point of contact and a quick close.


Our Senior Vice President, Samuel Clonmell, is out in the market frequently and keeps his ear to the ground on all issues residential. Check out his insights and guidance, below!

Converting Tenancies-In-Common (TICs) to Condos Is Painful; Refinancing Can Be Easy

Please contact us to speak with a specialist.

*All loan products are subject to credit approval