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Hi, I'm Al and I'm a Bank of America lending specialist here to help with your home loan needs.

On this page, you'll find tools and resources to help you understand your home loan options. While you're browsing, my website will help guide and refer you to informative content, ensuring you're having the best experience possible.

Let's work together
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Andrea Ho
Get started or call Get started 415.636.0510

Andrea Ho

Senior Financial Center Lending Officer Assistant Vice President NMLS ID: 1039287
415.636.0510

4098 24th Street, San Francisco, CA 94114
Get started
Schedule an appointment
Get a call back from me
My location

Andrea Ho

Senior Financial Center Lending Officer Assistant Vice President NMLS ID: 1039287
415.636.0510

4098 24th Street, San Francisco, CA 94114
Call me today

I'm Andrea, and I'm dedicated to helping people find the home loan that comfortably fits their needs in the San Francisco area. As a Pinnacle Club member and a trusted partner to many people in this community, I'm here to guide you through every step of the home loan process. Call me today if you're ready to get started or would like more information.

Get started
Get started
Schedule an appointment
Get a call back from me

My lending reviews

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Provided by

Awards

  • Pinnacle Club

Education

  • Bachelors degree in Managerial Economics from University of California

Areas of expertise

  • First time homebuyers
  • Government loans
  • High-net-worth borrowers
  • Home equity lines of credit
  • Jumbo loans
  • Lending to multicultural borrowers
  • Lower-to-moderate-income borrowers
  • Third party affordable housing assistance programs

Community

  • Special Olympics

Specialty

  • New Construction Specialist

Easy-to-use calculators

These mortgage calculators may be able to help you understand how much you can borrow or what costs may come up along the way.
  • Mortgage
    calculator
    Calculate monthly mortgage payment and rate options. Estimate monthly mortgage payment
  • Refinance
    calculator
    Get a quick, custom rate based on your refinancing plans. Learn more about refinancing plans
  • Affordability
    snapshot
    Figure out what monthly payment could fit in your budget. Try it out with the Affordability Snapshot
  • Closing costs
    calculator
    Estimate your closing costs based on area and purchase price. Calculate closing costs now
  • Home equity
    calculator
    Find out estimated payments and rates for a HELOC. Calculate payments for a HELOC
  • Home value
    estimator
    Discover the current estimated worth of your home. Find out more with the home value estimator

I'm here for you

As a Bank of America Lending Specialist, I want to make sure that we find the right home loan for you.

These resources can help you learn about each step of the home loan process, whether you're looking for a home, hoping to refinance or interested in accessing your home's equity. If you have any questions, feel free to reach out to me at any time.

Better Money Habits®

Build your financial knowledge with educational videos and articles on common home loan topics.
Explore Better Money Habits

Real Estate Center®

Find your future home by city and state or ZIP code.
Search now on the Real Estate Center

Home loan resources

Understand the ins and outs of homeownership, when to refinance and how to use your home equity.
Read more about Home Loan Resources

Down Payment Resources

Search for down payment help in your area.
Learn more about the Down Payment Resource Center

Help where you
need it

Home Loan Navigator™

When you apply for a home loan with me, the Bank of America Home Loan Navigator can help you track your loan status and more.
Watch video on Home Loan Navigator

Preferred Rewards

If you're a Bank of America client, you could qualify for a $200–$600 reduction in your home purchase or refinance loan origination fee, based upon your eligible balances at the time of your application.Footnote 1
Learn more about Preferred Rewards

Online and Mobile BankingFootnote 2

It's easy to manage your Bank of America home loan account with secure access from your laptop, tablet or smartphone.
Find out more about Online and Mobile Banking
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