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. Buying your first home in Daly City is a big step, and Pacific National Lending makes it a clear one. We explain every part of the process in plain language, compare the first-time homebuyer loan programs you qualify for, and stay with you from pre-approval through the day you get the keys.
Call Pacific National Lending for first-time homebuyer 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 loan program that fits a first-time buyer in Daly City depends on credit score, savings, income and the type of home. FHA is forgiving on credit, conventional loans reward stronger scores with cheaper mortgage insurance, and VA and USDA eliminate the down payment entirely for eligible buyers.
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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. We help Daly City 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.
If you are not quite ready, we will tell you what to work on and check back in. Many Daly City first-time buyers started with a credit or savings plan from us six to twelve months before they bought.
We help borrowers with first-time homebuyer loans throughout Daly City, including Westlake, Serramonte, St. Francis Heights, Crocker, and across the northern Peninsula. Daly City is roughly two hours from our Gold River office, and we handle Peninsula loans entirely by phone, email and e-signature.
For first-time homebuyer loans in Daly City, call Pacific National Lending at (916) 526-2700 or use the secure application on this page. A licensed loan officer will follow up within one business day.
Apply HereLearn more about the program itself: First-Time Homebuyer 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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