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. Saving 20 percent for a home in Richmond can take years, and most buyers do not need to. Pacific National Lending helps Richmond buyers use low down payment programs, gift funds, seller credits and assistance programs to close with a fraction of what they expected.
Call Pacific National Lending for low down payment mortgages 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. FHA's 3.5 percent down loan accepts lower credit scores and higher debt ratios than conventional programs, which makes it the right low down payment choice for many Richmond buyers. VA offers zero down for eligible military borrowers, and USDA offers zero down in eligible rural and suburban parts of Contra Costa County.
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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. Buying in Richmond with a small down payment means mortgage insurance for a while, and we plan for its removal from day one. Conventional PMI drops off automatically as equity builds, and FHA loans can be refinanced into conventional loans once the home has appreciated.
To find out how little you actually need to buy in Richmond, call (916) 526-2700 or apply online. We will show you every low down payment option you qualify for with real numbers. No credit pull at the first step.
Our low down payment mortgages 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.
For low down payment mortgages in Richmond, 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: Low Down Payment Mortgage · 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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