Honoring routine homeowner maintenance saves you money, ensuring you get the most from warranty & homeowners' insurance policies. Learn what to prioritize.

Meeting standard home down payment criteria minimizes monthly mortgage payments and lowers interest rates. Here are ideas on how to save more to put down.

Are you getting ready to purchase a new home? Congratulations! Becoming a homeowner is one of the most exciting - and empowering - feelings. You're achieving the American dream. And, in the San Francisco Bay Area, mortgage payments are commonly less than market rents, which means extra money in the bank each month. You may also find you save money each year at tax time because you get to deduct your mortgage interest and property taxes - the total of which is always more significant than any renters credit.

Lenders look at a variety of factors when deciding whether to grant borrower approval and at what interest rate. In addition to your credit score, employment status/history, and income, mortgage companies prioritize prospective clients with a low debt-to-income (DTI).

The Mission Bay neighborhood is one of San Francisco’s most popular places to live, work, and play, especially for those who love waterfront activities, water sports, or beautiful year-round views of the bay.

Below-market rate (BMR) homes offer unrivaled opportunities for Bay Area families that wouldn’t have been able to afford a home otherwise. The requirements are set to support equitable distribution of the units and prevent investor fraud.

While BMR home eligibility may initially seem overwhelming, we recommend taking it step by step. We promise that accurate information and support by your BMR sales team make the process very manageable.

This guide will help you learn whether or not you qualify and what will be needed to purchase your home.

Living in the Bay Area forces everyone to have an eyes-wide-open awareness of housing and how it can marginalize and separate rather than gather and unite communities. The significant income gap here in the City, exponentially wider than elsewhere in the United States, makes affordable and inclusive housing policies imperative.

At first glance, the BMR home purchasing process may feel overwhelming. However, we're here to assure you it's not!

By learning all you can, taking a proactive approach, and working with a supportive and highly experienced team of housing counselors and sales agents, you'll hurdle the most common challenges like a rock star.

Imagine never writing another inflated rent check but paying off a mortgage instead. Or the ability to create a level of legacy wealth and inheritance that wouldn't be possible without homeownership. If these dreams resonate with you but feel impossible because you can't afford a Bay Area home, you're probably a candidate for a BMR Homebuyer program.

Discover San Francisco's Mission Bay, a vibrant neighborhood offering rich history, diverse activities, fine-dining, excellent healthcare, and scenic views.