Berkeley is the university city on the east shore of San Francisco Bay, famous for the UC Berkeley campus and for streets of brown-shingle and Craftsman homes that climb from the flats into the Berkeley Hills. We help Berkeley buyers, homeowners and investors with jumbo, conventional and multi-unit financing, refinances and equity lines. For many first-time buyers in Berkeley, an FHA loan is the difference between renting another year and owning. Pacific National Lending explains exactly how FHA works, including the mortgage insurance, so you can decide with real numbers whether FHA or a low-down-payment conventional loan is the better fit.
Call Pacific National Lending for FHA loans in Berkeley: (916) 526-2700
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Berkeley is one of the most competitive markets in the Bay Area, with homes commonly selling far above list price, so buyers need a fully underwritten pre-approval and a lender who can close fast with few contingencies. Most homes are close to a century old, which puts foundations, seismic work and appraisal condition in play, and duplexes, backyard cottages and rent-controlled multi-unit buildings each have their own financing rules. FHA loans in Berkeley require a minimum 3.5 percent down payment with a 580 or higher credit score, and the down payment can come from savings, a gift from family or an approved down payment assistance program. Sellers can also contribute toward closing costs, which keeps cash to close manageable in this market.
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Housing includes brown-shingle and Craftsman homes in Elmwood, Claremont and North Berkeley, period-revival homes in Thousand Oaks, bungalows in Westbrae and South and West Berkeley, view homes in the Berkeley Hills, and condos near downtown and campus. Our FHA process in Berkeley mirrors any other purchase loan: a fully underwritten pre-approval, a clear document list, appraisal and final approval, typically in about three weeks. Because we broker to several FHA lenders, a file that one lender declines often has a home with another.
To see whether an FHA loan is right for your Berkeley purchase, call (916) 526-2700 or apply online. We will compare FHA and conventional side by side with actual payment figures, and there is no credit pull at the first step.
We help borrowers with FHA loans throughout Berkeley, including Elmwood, Claremont, North Berkeley, Berkeley Hills, and across the East Bay. Berkeley is about an hour and forty minutes from our Gold River office via I-80.
Ready to talk about FHA loans in Berkeley? Call (916) 526-2700 or apply online in a few minutes. There is no credit pull at the first step and no obligation.
Apply HereLearn more about the program itself: FHA Loans · All loan options · Purchase · Refinance · Today's rates
Area photo: "Sather Tower from Memorial Glade" by Coolcaesar, CC BY-SA 4.0.
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