Distance in terms of your loan will be dependent--as the others have pointed out--on your lender, their requirements and your credit history and current debt load.
As for the distance in terms of commute, that depends entirely upon you. If you don't have a problem with a long commute, then the distance from Evergreen to South City or Downtown is no problems. As Charles B. noted below, there are many homeowners who travel into San Francisco from distances greater than San Jose, so Evergreen's commute (while admittedly long) is not the longest that any of us have heard about from our clients.
To be certain that you're prepared for the commute, however, might I suggest that you wake up early one morning that "try" the commute from your proposed new home into your job in SF. You can then see what a typical commute would entail and can judge whether or not this type of travel would be acceptable to you.
Area Pro Realty
From loan perspective, (if this is the question) your work and distance from the purchase in this case should not be relevant. A lender typically will not disqualify you on this basis.
Are you asking if Evergreen is the right place to purchase if you are working in SF? It depends upon you, there are two ways to look at it. One a job is not permanent, you might eventually change the job, so live where you want to live and eventually move closer to home. Secondly, do yo want to spend a lot of time commuting? The commute from Evergreen to SF is a looong one. You have to decide what is more important to you. What are reasons for purchasing in Evergreen? What are your requirements in a new home. We can discuss the many factors in this decision making process, to help you find the right home.
You can use caltrain which can take you to San Francisco directly.
I am a Broker Realtor and I am very familiar with evergreen area having sold several homes there.
I can send you a listing of several homes which are available now and a detailed CMA meeting your criteria.
Please email me your requirements email@example.com
BUYER CASH REBATE 50%-60% You will save up to $15000
Quality Full Service! Work directly with the Owner/Broker.
Dr. Ken Kapur Owner/Broker, Realtor
If I understand your question correctly, you are asking if a lender will accept a home in Evergreen as your owner occupied personal residence, if you are working in San Francisco, is that correct?
The underwriter for the lender lender will consider a number of factors, including whether or not you own other real estate as your owner occupied personal residence.
The fact that you are commuting from Evergreen will not by itself rule out the lender considering the Evergreen property as your owner occupied personal residence. I have clients who commute farther than that from their owner occupied residences in San Jose.
For further information, I recommend that you contact the REALTOR that you have selected to represent your interests with respect to the purchase of the property.
Charles Butterfield MBA
Real Estate Broker/REALTOR
Cell Phone: (408)509-6218
Email Address: firstname.lastname@example.org