Richmond wraps around thirty-two miles of San Francisco Bay shoreline in west Contra Costa County, with BART, a ferry to San Francisco and neighborhoods as different as historic Point Richmond and the waterfront homes of Marina Bay. We help Richmond buyers, homeowners and investors with FHA, VA, conventional and jumbo financing. FHA loans help Richmond 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 Richmond: (916) 526-2700
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Richmond remains one of the most affordable places to buy near the center of the Bay Area, so it draws first-time buyers using FHA and low-down-payment conventional loans, along with investors buying two-to-four-unit properties. Many homes date from the 1920s through the 1940s, which makes property condition, appraisal repairs and renovation-friendly financing common topics. 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 Richmond buyer so the decision is made on total cost, not just the down payment.
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Housing includes early-1900s homes in Point Richmond, 1920s to 40s bungalows in the North and East neighborhood and the Richmond Annex, condos and townhomes at Marina Bay and Brickyard Cove, and 1970s and 80s homes around Hilltop. 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 Richmond, and an FHA loan can later be refinanced into a conventional loan to drop mortgage insurance once equity allows.
Buyers in Richmond 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 Point Richmond, Marina Bay, Richmond Annex, North and East and the rest of Richmond for FHA loans. Richmond is about an hour and a half from our Gold River office via I-80.
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 Richmond.
Apply HereLearn more about the program itself: FHA Loans · All loan options · Purchase · Refinance · Today's rates
Area photo: "Point Richmond houses (4589842386)" by nick fullerton, CC BY 2.0.
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