Home Loans

Buying a home can be stressful, but financing doesn’t have to be. We offer excellent rates, so that you can get the most home for your money, and our Residential Loan Consultants guide you every step of the way. We can pre-approve you so that you know how much you can borrow—giving you an advantage over other people competing for the same property. We work directly with you to simplify the application process. And we can deliver speedy approval for on-time closing.*

The Right Loan for the Way You Live

  • Amounts between $636,150 and $2.5 million: Our jumbo loans can help you purchase a larger home or luxury property.
  • Predictable monthly payments: A fixed-rate mortgage enables you to maintain a predictable monthly payment throughout the life of the loan.
  • Low initial rate: If you plan to stay in the home for only a few years and want the lowest initial rates, an adjustable rate mortgage might be for you.
  • Buying a second home: Thinking about buying a vacation home or second residence? Talk to us about loans on second homes.
  • Buying an investment property: There are a number of ways to finance an investment property. Let us help you find the best one.
Find the right loan for you.

Contact a Sterling Residential Loan Consultant at 415-970-9889.

Fixed-Rate and Adjustable-Rate Mortgages


Choose between a fixed-rate or an adjustable-rate mortgage for buying a home or refinancing your property, including cash-out refinances. Both options are available for conventional conforming loan amounts, jumbo (non-conforming) loan amounts and FHA or VA programs.

Chart showing that the Loan Interest Rate of a Fixed-Rate Mortgage is the same throughout the Life of the Loan.Chart that shows the Loan Interest Rate of an Adjustable-Rate Mortgage changes over time, but never exceeds the Rate Cap.

* Subject to an appraisal on the home you select and updates to your financial situation. Loan rates, terms and conditions are subject to change without notice and subject to credit and property approval.