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. As a mortgage broker near Daly City, our job is to work for you, not for a bank. Broker Jason Skelton and our loan officers compare rates and guidelines from many lenders on every file, so Daly City borrowers see options a single retail lender or big bank simply cannot offer. We are licensed by the California Department of Real Estate (DRE #01778208) and registered with NMLS (#115924).
Call Pacific National Lending for mortgage broker services 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. In the Daly City 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.
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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. Every Daly City loan at Pacific National Lending starts with a real conversation about your goals, followed by a review of your income, assets and credit. From there we present two or three loan structures with actual numbers, lock the rate when it makes sense, and keep you updated at each milestone through funding. Most purchase loans close in about three weeks.
Because we compete against our own lender network on every file, Daly City borrowers get transparent pricing. You see the rate, the costs and the credits side by side before you commit to anything, and you never pay for a rate quote.
Our mortgage broker services clients in Daly City come from Westlake, Serramonte, St. Francis Heights, Crocker and every other part of 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.
Ready to talk about mortgage broker services in Daly City? 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
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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