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 is an independent mortgage broker serving Richmond 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 Richmond: (916) 526-2700
Apply Here
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. Because we broker loans rather than fund one bank's products, we can move a difficult Richmond file to a lender whose guidelines fit: self-employed income, a recent credit event, a unique property or a tight closing timeline. We price every loan across our lender network and show you the trade-off between rate and closing costs in writing.
Get Pre-approved
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. Every Richmond 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.
Getting started in Richmond is simple: call (916) 526-2700, or use the secure online application. There is no credit pull at the first step, and a licensed loan officer will follow up to explain what you qualify for and what documents we will need.
Our mortgage broker services 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 mortgage broker services 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: Mortgage Broker · All loan options · Purchase · Refinance · Today's rates
Area photo: "Point Richmond houses (4589842386)" by nick fullerton, CC BY 2.0.
© 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.