Navigating the 2026 San Francisco Bay Area real estate market requires more than just a pre-approval. This essential checklist covers critical steps from securing ‘TBD’ underwriting to vetting insurance costs before you ever make an offer on a home in San Mateo or Santa Clara County.
A case study on how we helped a Cupertino tech couple purchase their dream home in the San Carlos hills by navigating complex RSU income for their mortgage and securing insurance in a high-risk fire zone before making the offer.