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. Pacific National Lending provides home loans in Richmond for every kind of buyer: first-timers, move-up families, relocating professionals, veterans and investors. As a mortgage broker, we compare conventional, FHA, VA, USDA and jumbo programs across multiple lenders and recommend the one that costs you the least over the time you plan to own the home.
Call Pacific National Lending for home 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. Conventional loans in Richmond start at 3 percent down for qualified buyers, FHA allows 3.5 percent down with more flexible credit, VA offers zero down for eligible veterans and service members, and jumbo loans cover purchases above the conforming loan limit for Contra Costa County. We walk you through each option with real payment figures.
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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. We have closed home loans on nearly every kind of Richmond property, so we know which lenders are comfortable with which homes and how to keep an appraisal or a condition request from delaying your closing. Most purchase loans fund in about three weeks from an accepted offer.
First-time buyers in Richmond may also qualify for down payment assistance through CalHFA and local programs, which can be layered with FHA or conventional financing to reduce cash to close. We check eligibility for every first-time buyer we work with.
Our home loans clients in Richmond come from Point Richmond, Marina Bay, Richmond Annex, North and East and every other part of west Contra Costa County. Richmond is about an hour and a half from our Gold River office via I-80.
Ready to talk about home loans in Richmond? Call (916) 526-2700 or apply online in a few minutes. There is no credit pull at the first step and no obligation.
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Area photo: "Point Richmond houses (4589842386)" by nick fullerton, CC BY 2.0.
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