San Mateo sits midway between San Francisco and Silicon Valley, with a busy downtown around Central Park, three Caltrain stations and neighborhoods that run from the bay shore up into the western hills. We help San Mateo buyers and homeowners with jumbo purchase loans, condo financing, refinances and equity lines. Down payment assistance in San Mateo can cover a large share of the cash needed to buy a home, and Pacific National Lending helps buyers find and use the programs they qualify for. From CalHFA's statewide MyHome assistance to county and city programs, we layer assistance with FHA, VA or conventional financing to reduce cash to close.
Call Pacific National Lending for down payment assistance in San Mateo: (916) 526-2700
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San Mateo is a high-priced, fast-moving market where technology and biotech professionals compete for limited inventory and nearly every single-family purchase is a jumbo loan. Condos and townhomes, including the newer Bay Meadows community, are the entry point for many buyers, which makes HOA and project review an important early step. To use most assistance programs in San Mateo, you must be a first-time buyer, meaning no ownership interest in a home in the past three years, occupy the home as your primary residence, complete a homebuyer education course and stay within the program's income limits for San Mateo County.
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Housing includes 1920s and 30s period homes in San Mateo Park, Baywood and Aragon, bungalows in Hayward Park, 1950s ranch homes in Hillsdale, Beresford and Shoreview, hillside homes in Laurelwood, and new homes and condos at Bay Meadows. Assistance loans add a few steps to the closing, such as program approval and homebuyer education, and we manage all of them. Most San Mateo purchases using CalHFA assistance close in about 30 to 35 days, and we set expectations with your agent and the seller from the start.
Assistance can often be combined with seller credits and lender credits, so an San Mateo first-time buyer may bring very little to closing. We structure the offer with your agent so the seller's contribution covers what the program does not.
Our down payment assistance clients in San Mateo come from San Mateo Park, Baywood, Aragon, Hayward Park and every other part of the mid-Peninsula. San Mateo is a little over two hours from our Gold River office, and our Peninsula clients work with us by phone, email and secure e-signature.
For down payment assistance in San Mateo, call Pacific National Lending at (916) 526-2700 or use the secure application on this page. A licensed loan officer will follow up within one business day.
Apply HereLearn more about the program itself: Down Payment Assistance · All loan options · Purchase · Refinance · Today's rates
Area photo: "B Street San Mateo 1 2023-06-03" by FASTILY, CC BY-SA 4.0.
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