Can RSU or stock compensation count toward qualifying income in San Francisco?

Yes, when documented properly with a vesting history. Dan works with tech-industry buyers regularly and structures the file so RSU and bonus income counts correctly toward qualification.

Is TIC (tenancy-in-common) financing different from a standard condo loan?

Yes, TIC ownership has its own financing structure and typically requires a specialized fractional or group loan rather than a standard mortgage. Dan can walk you through the specifics if you're considering a TIC purchase.

Will I need a jumbo loan to buy in San Francisco?

In nearly all cases, yes. San Francisco's prices consistently exceed the conforming loan limit even in less expensive neighborhoods, and Dan's wholesale jumbo relationships are built specifically for this market.

Dan Ardis | NMLS #1412272

Mortgage Broker in San Francisco, CA

Name: Dan Ardis
Address: Bakersfield, CA, 93314, US
Telephone: (661) 342-9381
Price range: $$$
Rating: 5

Financing condos, single-family homes, and TIC purchases across San Francisco's neighborhoods, one of the most expensive and most jumbo-driven markets in the country, with a process built around tech compensation and fast timelines.

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The San Francisco Housing Market

San Francisco's real estate market is defined by extremes: dense, competitive neighborhoods like Noe Valley and the Marina trade at prices that put nearly every purchase into jumbo territory, while tenancy-in-common (TIC) ownership offers a lower-cost entry point with its own unique financing requirements. The city's economy runs on technology and finance, which means a large share of buyer income includes RSU compensation, stock options, and bonus structures that don't fit a simple salary-only underwriting file.

Why Choose Dan Ardis for Your San Francisco Mortgage?

Almost every San Francisco purchase requires jumbo financing, and Dan's wholesale lender relationships offer competitive rates that rival any private bank's jumbo desk. He also works extensively with RSU, stock option, and bonus-heavy compensation, plus TIC financing when that's the right fit for the property.

Loan Programs in San Francisco

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Mortgage FAQs for San Francisco

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Ready to Buy in San Francisco?

Apply online or call Dan at (661) 342-9381 for a free consultation. Licensed to lend in California.

Apply Now (661) 342-9381