Daly City borders San Francisco at the top of the Peninsula, known for the rows of pastel mid-century homes in Westlake, two BART stations and quick access to I-280 and Highway 1. We help Daly City buyers and homeowners with high-balance and jumbo purchase loans, FHA and VA financing, refinances and equity lines. FHA loans help Daly City buyers who have limited savings, a shorter credit history or a past credit event that conventional lenders will not overlook. With 3.5 percent down and flexible qualifying, an FHA loan often turns a buyer who was told to wait into a homeowner this year.
Call Pacific National Lending for FHA loans in Daly City: (916) 526-2700
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Daly City gives buyers a San Francisco-adjacent address at lower prices than the city itself, and many purchases involve multigenerational households pooling income, gift funds or family co-borrowers. Loan amounts usually land in high-balance conforming or jumbo range, and homes with in-law units need a lender who knows how appraisers and underwriters treat them. The trade-off with FHA is mortgage insurance: an upfront premium financed into the loan and a monthly premium that stays for the life of the loan when you put less than 10 percent down. We compare that cost against conventional options for every Daly City buyer so the decision is made on total cost, not just the down payment.
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Housing is mostly 1940s to 60s single-family homes built close together in Westlake, Serramonte, St. Francis Heights and the Crocker and Hillside neighborhoods, with condos and townhomes near Serramonte and a few newer infill developments. FHA loans are not only for first-time buyers. Move-up buyers, buyers rebuilding credit after a hardship and buyers with student loan debt all use FHA in Daly City, and an FHA loan can later be refinanced into a conventional loan to drop mortgage insurance once equity allows.
Buyers in Daly City using FHA can often combine it with CalHFA or local down payment assistance to cover part or all of the 3.5 percent down. We check every first-time buyer's eligibility for assistance before finalizing the loan structure.
Pacific National Lending serves Westlake, Serramonte, St. Francis Heights, Crocker and the rest of Daly City for FHA loans. Daly City is roughly two hours from our Gold River office, and we handle Peninsula loans entirely by phone, email and e-signature.
Ready to talk about FHA loans in Daly City? 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: "View from San Bruno Mountain State Park to Southern Hills and 280 freeway" by Tim Adams, CC BY 3.0.
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