Concord is the largest city in Contra Costa County, with BART access, Todos Santos Plaza downtown and neighborhoods that stretch from Clayton Valley to the former Naval Weapons Station. We help Concord buyers and homeowners with jumbo, conventional, FHA and VA financing, refinances and equity lines. Pacific National Lending is an independent mortgage broker serving Concord from our office in Gold River. Instead of selling one bank's products, we shop your loan across multiple wholesale lenders and match you with the program, rate and terms that fit, whether that is a conventional purchase loan, FHA, VA, jumbo, a refinance or an investment property loan.
Call Pacific National Lending for mortgage broker services in Concord: (916) 526-2700
Apply Here
Concord offers relative value compared to Walnut Creek and Lafayette, drawing first-time buyers, move-up families and Bay Area professionals who want a BART commute. Most purchases still require jumbo or high-balance conforming financing, and long-time owners frequently tap equity for remodels. In the Concord market, the difference between a broker and a big bank shows up at the offer stage. A fully underwritten pre-approval from PNL tells the listing agent that the buyer's income, assets and credit have already been reviewed, which makes an offer far more competitive than a pre-qualification letter based on a phone call.
Get Pre-approved
Housing is mostly 1950s to 70s ranch homes in neighborhoods like Dana Estates, Sun Terrace and Holbrook Heights, larger homes in Clayton Valley and Crystyl Ranch, and condos and townhomes near downtown and the BART stations. Pacific National Lending is headquartered in Gold River, not in another state, and that matters for Concord borrowers. We know the local appraisers, escrow companies and real estate agents, we understand county-specific loan limits and property issues, and you can sit across a desk from us whenever a conversation is easier in person.
Our lender network includes programs for nearly every Concord situation: conventional and jumbo purchase loans, FHA and VA, USDA in eligible areas, first-time buyer and down payment assistance programs, bank-statement loans for the self-employed, DSCR and no-income investor loans, fix and flip financing, reverse mortgages and home equity lines of credit.
Our mortgage broker services clients in Concord come from Downtown Concord, Clayton Valley, Dana Estates, Crystyl Ranch and every other part of the East Bay. Concord is about ninety minutes from our Gold River office, and our Concord clients work with us remotely from application to closing.
Ready to talk about mortgage broker services in Concord? Call (916) 526-2700 or apply online in a few minutes. There is no credit pull at the first step and no obligation.
Apply HereLearn more about the program itself: Mortgage Broker · All loan options · Purchase · Refinance · Today's rates
© 2026, Pacific National Lending, all rights reserved. Created and managed by 1 Stop Link. Images & icons used on the website are either original, free or purchased on pexels.com, unsplash.com, vecteezy.com, fontawesome.com or other platforms. The display of logos, seals and emblems is not meant to show affiliation between us and their owners. This use falls under the fair use category of copyright protected images.