<prompt> Human: So on their site you can do just 10 down, living in bay area for those of you that do how will this hinder my search or ability to purchase, and if it doesnt whats the catch in the long run?  <response>: Their rates are usually higher than more conventional lenders. Mine came in at 4.25 vs 3.75 at Chase a year ago. But they will let you put less down, or use RSUs or bonuses as income. So youre paying something of a premium with them. Get a quote, but also shop around, sites like Bankrate can be helpful. 