About CJ Kerls
CJ has helped people achieve their homeownership goals for over 30 years. His personal mission is to provide his clients with an exceptional experience in purchasing or refinancing a home. CJ's top priority is to make the loan process as convenient, transparent and simple as possible. Through dedication to his customers, CJ has consistently been named in the Top 1% of Loan Originators in the country.
** For Real Estate Agents:** I have partnered with some of the top real estate agents in the Bay Area and am a founding member of the San Francisco Insider’s. I take pride in providing honest communication, consistent follow-through, transparency and respect for all parties in the transaction. I will work with your clients to help them understand how much home they can qualify for, and problem solve from beginning to end, to ensure that the loan closes on or before the close of escrow. I am always keeping myself educated and up to date with all of our loan investors which gives me the ability to come up with creative lending solutions to accommodate the needs and wants of Homebuyers. My specialties include: • Self-Employed/Complex-Income Borrowers • First-Time Homebuyers • Education & Advising • Condo financing • Jumbo financing • FHA/VA financing • Doctor’s loans • RSU Income
The right advice could help you find the right mortgage for you. Let's work together.
Get approved in one day
The competitive edge you need to purchase the home you want. Get a fast approval with options as little as 3% down.
Current mortgage rates
Points:
| Loan Type | Rate | APR | Points | Mo. Payment |
|---|---|---|---|---|
| 30-year fixed | 6.490% | 6.811% | 0.975 ($3412.50) | $2209.94 |
| 15-year fixed | 5.500% | 6.040% | 0.881 ($3083.50) | $2859.79 |
| FHA loan | 6.025% | 7.119% | 0.988 ($3015.87) | $1971.78 |
| VA loans | 5.990% | 6.565% | 0.82 ($3350.52) | $2447.14 |
| Jumbo loans | 6.350% | 6.598% | 0.715 ($6435.00) | $5600.12 |
* Rates current as of 4/2/2025 09:58 am, provided by CJ Kerls, for San Francisco County, CA, and are subject to change without notice.
Mortgage rates disclaimers
30 year, 15 year rate assumptions
- Purchase price: $437,500
- Down payment: 20.00%
- First Lien Position
- Primary residence
- 760 FICO Score
- 30 day rate lock
- 80.00% LTV ratio
FHA rate assumptions
- Purchase price: $310,880
- Down payment: 3.50%
- First Lien Position
- Primary residence
- 680 FICO Score
- 30 day rate lock
- 96.50% LTV ratio
Jumbo rate assumptions
- Purchase price: $1,200,000
- Down payment: 25.00%
- First Lien Position
- Primary residence
- 760 FICO Score
- 25 day rate lock
- 75.00% LTV ratio
VA rate assumptions
- Purchase price: $400,000
- Down payment: 0.00%
- First Lien Position
- Primary residence
- 680 FICO Score
- 30 day rate lock
- 100.00% LTV ratio
- Must meet eligibility assumptions to qualify
This is NOT a mortgage loan approval or commitment to lend.
The actual fees, costs, and monthly payment on your specific loan transaction may
vary, and may include city, county, or other additional fees and costs. Mortgage rates
are offered exclusively through Rate, Inc. and are subject to change without
notice. The payment amount does not include homeowners' insurance, flood insurance
(if applicable), or property taxes that must be paid in addition to your loan payment.
The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money
expressed as a yearly percentage. For mortgage loans, excluding home equity lines of
credit, it includes the interest rate plus other charges or fees (such as mortgage
insurance, discount points, and origination charges). These mortgage rates are based
upon a variety of assumptions and conditions, which include a consumer credit score
that may be higher or lower than your individual credit score. Your loan's interest
rate will depend upon the specific characteristics of your loan transaction and your
credit history up to the time of closing. Refinancing may cause finance charges to be
higher over the life of the loan. Rate, Inc. has no affiliation
with the US Department of Housing and Urban Development, the US Department of Veterans
Affairs, the Nevada Department of Veterans Services, the US Department of Agriculture,
or any other government agency.
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Located at 41 Freelon Street, San Francisco CA, 94107