Mortgage Broker in the Bay Area, CA | Jumbo & Non-QM Loans

Mortgage Broker in the Bay Area, California

The San Francisco Bay Area is home to some of the most expensive real estate in the world — and some of the most complex borrower profiles. Tech employees with RSUs, self-employed founders, foreign national buyers, and real estate investors all need a lender who can handle their unique situation. Billcutter specializes in exactly this.

Why Bay Area Buyers Choose Billcutter
- Jumbo loan experts: Bay Area prices routinely exceed $2M, requiring specialized jumbo products
- Non-QM for tech employees: RSUs, stock options, and variable comp require creative qualification
- Bank statement loans: For founders and self-employed Bay Area borrowers
- Fast execution: Bay Area markets move fast; we close fast

Loan Programs Available in the Bay Area
- Jumbo Loans: Up to $3M+ for high-value Bay Area properties
- Non-QM / Bank Statement Loans: For self-employed, tech employees with complex comp
- Conventional Loans: Competitive rates for standard qualifying scenarios
- Investment Property / DSCR: For Bay Area investors and landlords
- Foreign National Loans: For international buyers in the Bay Area market
- Asset Depletion: For high-net-worth buyers with significant portfolios

Bay Area Real Estate Market
Median home prices in the Bay Area range from $800,000 in more affordable East Bay cities to $3M+ in San Francisco, Palo Alto, and Los Altos. Jumbo financing and creative loan structures are the norm, not the exception.

Call (888) 855-1423 to speak to a Loan Officer or apply online.

Billcutter Inc. | California Mortgage Broker | NMLS #1825243 | 888-855-1423 | billcutter.com