San Francisco skyline at dusk
San Francisco Mortgage Lender · NMLS #318227

Your Home Path
Starts Here
in the City by the Bay

Jeff Parrott brings decades of mortgage expertise to San Francisco's most discerning homebuyers and refinancers — guiding every transaction with clarity, integrity, and an unwavering commitment to your financial future.

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Jeff Parrott office setting in San Francisco

NMLS #318227

Licensed in all 50 states

About Jeff

A San Francisco Native
Who Knows These Streets

Jeff Parrott has called San Francisco home for most of his life — and that local knowledge is the foundation of everything he does as a mortgage professional. He understands the unique character of Bay Area neighborhoods, from the Victorian gems of Noe Valley to the modern high-rises of Mission Bay.

With over two decades in the mortgage industry, Jeff has helped more than a thousand families navigate the complexities of home financing. Whether you're a first-time buyer stepping into the San Francisco market for the first time, or an experienced investor looking to refinance, Jeff brings the same level of dedication and expertise to every file.

At Guaranteed Rate, one of the largest mortgage lenders in the United States, Jeff combines the resources and technology of a national platform with the personalized attention of a local advisor. You're never just a loan number — you're a neighbor.

25+

Years in mortgage lending

1,000+

Families served in the Bay Area

Loan Programs

Mortgage Solutions Built for
Every Stage of Your Journey

From your first look at open houses to your next investment property, Jeff offers a full spectrum of loan programs designed for San Francisco's diverse housing market.

First-Time Homebuyers

Navigating your first purchase in San Francisco's competitive market requires strategy and experience. Jeff walks you through every step — from pre-approval to closing — with patience and clarity.

  • FHA, Conventional & VA loans
  • Down payment assistance programs
  • SF HomeLink & local programs

Refinancing

Whether you want to lower your rate, cash out equity, or shorten your term, Jeff analyzes your current loan and market conditions to find the refinance strategy that makes sense for your situation.

  • Rate & term refinances
  • Cash-out refinances
  • Bridge & jumbo refinances

Jumbo Loans

San Francisco's premium properties often exceed conventional loan limits. Jeff's expertise with jumbo and non-QM loans ensures you have competitive financing for even the most distinctive homes.

  • Conforming & jumbo programs
  • Portfolio & non-QM options
  • Multi-unit & investment properties

Military Lending

As a VA loan specialist, Jeff understands the unique benefits available to service members, veterans, and their families — including zero-down financing and competitive rates through Guaranteed Rate.

  • VA purchase & streamline refi
  • NoVA & active duty programs
  • Military relocation assistance

Construction & Rehab

Whether you're building a custom home in the hills or rehabbing a Victorian in Pacific Heights, Jeff structures construction-to-permanent loans that keep your project on track and on budget.

  • FHA 203(k) & Homestyle loans
  • New construction financing
  • Renovation & teardown loans

Investment Properties

Building a rental portfolio in San Francisco? Jeff structures investment property loans that maximize your cash flow while meeting the lender's underwriting standards for multi-unit buildings.

  • 2–4 unit residential loans
  • Multi-family & commercial
  • Portfolio growth strategies
The Process

From Pre-Approval to
Closing Day — Clear at Every Step

Jeff makes the mortgage process transparent and stress-free. Here's what to expect when you work with him.

01

Initial Consultation

A free, no-obligation conversation to understand your goals, budget, and timeline. Jeff explains your options clearly — no jargon, no pressure.

02

Pre-Approval

You'll receive a detailed pre-approval letter — often within days — giving you the confidence and credibility sellers expect in San Francisco's market.

03

Underwriting

Jeff guides you through document collection and coordinates with underwriters to keep your file moving efficiently toward clear-to-close.

Closing Day

You review and sign your closing documents, receive your keys, and become a San Francisco homeowner — with Jeff available for questions long after.

Client Stories

Trusted by Homeowners
Across the Bay

"Jeff made what we thought would be a terrifying process feel completely manageable. As first-time buyers in San Francisco, we didn't know where to start — he held our hand through every step."

M.R.

M.R.

First-Time Buyer · Noe Valley

"We refinanced our home in Pacific Heights and saved hundreds a month. Jeff found a rate we didn't think was possible and explained every detail so we felt confident in our decision."

S.K.

S.K.

Refinance · Pacific Heights

"As a veteran, I needed someone who understood VA loans inside and out. Jeff secured a zero-down purchase for us in the Mission and made the whole experience smooth from start to finish."

D.T.

D.T.

VA Loan · Mission District

Get in Touch

Let's Talk About
Your Next Move

Whether you're just starting to explore homeownership or ready to apply, Jeff is here to answer your questions and walk through your options — no strings attached.

Call or Text

415-694-5518

Email

jeff.parrott@rate.com

Office

636 4th St, San Francisco 94107

NMLS License

#318227

Send a Message

Fill out the form below and Jeff will get back to you within one business day.

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