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. First-time homebuyer loans in Berkeley include 3 percent down conventional programs, 3.5 percent down FHA loans, zero-down VA and USDA options and CalHFA programs with down payment assistance. Pacific National Lending lays them out side by side so you can see what fits your budget.
Call Pacific National Lending for first-time homebuyer 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. A first-time homebuyer is generally anyone who has not owned a home in the past three years, which means some Berkeley buyers who owned years ago qualify again. That status unlocks CalHFA programs, reduced mortgage insurance on some conventional loans and down payment assistance.
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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. We help Berkeley first-time buyers plan for the full cost of ownership, not just the loan: property taxes, insurance, HOA dues if any, maintenance and the reserves you want left after closing. A payment that fits comfortably is worth more than the largest loan you can qualify for.
Ready to explore buying your first home in Berkeley? Call (916) 526-2700 or apply online. A licensed loan officer will explain what you qualify for, with no credit pull at the first step.
Our first-time homebuyer loans clients in Berkeley come from Elmwood, Claremont, North Berkeley, Berkeley Hills and every other part of the East Bay. Berkeley is about an hour and forty minutes 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 first-time homebuyer loans in Berkeley.
Apply HereLearn more about the program itself: First-Time Homebuyer 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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