Hayward sits at the center of the East Bay shoreline, where the San Mateo Bridge, I-880 and two BART stations meet, with Cal State East Bay looking down from the hills. We help Hayward buyers, homeowners and investors with FHA, VA, conventional and jumbo financing, refinances and equity lines. FHA loans help Hayward 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 Hayward: (916) 526-2700
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Hayward is one of the more affordable cities in Alameda County, so it draws first-time buyers who rely on high-balance FHA and low-down-payment conventional loans, along with multigenerational households and small investors. Prices climb quickly in the hills, where the gated Stonebrae community and view homes reach jumbo loan amounts. FHA loan limits are set by county, and in Alameda County they cover most entry-level and mid-range homes in Hayward. FHA also allows the purchase of 2-to-4-unit properties with 3.5 percent down when you live in one unit, which is a popular strategy for buyers who want rental income to help with the payment.
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Housing includes 1950s ranch homes in Southgate, Fairway Park and the Tennyson area, older bungalows near downtown and the Jackson Triangle, newer townhomes and homes in the Cannery district and Mt. Eden, and custom and golf-course homes in the Hayward hills and Stonebrae. 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 Hayward, and an FHA loan can later be refinanced into a conventional loan to drop mortgage insurance once equity allows.
Buyers in Hayward 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.
Our FHA loans clients in Hayward come from Hayward Hills, Stonebrae, Southgate, Fairway Park and every other part of the East Bay. Hayward is a little under two hours from our Gold River office, and we handle Hayward loans remotely.
Call Pacific National Lending at (916) 526-2700 or start your application online. We will review your goals, explain your options in plain English and give you real numbers for FHA loans in Hayward.
Apply HereLearn more about the program itself: FHA Loans · All loan options · Purchase · Refinance · Today's rates
Area photo: "Hayward City Hall, May 2024" by Pi.1415926535, CC BY-SA 4.0.
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