San Mateo sits midway between San Francisco and Silicon Valley, with a busy downtown around Central Park, three Caltrain stations and neighborhoods that run from the bay shore up into the western hills. We help San Mateo buyers and homeowners with jumbo purchase loans, condo financing, refinances and equity lines. For veterans and service members in San Mateo, a VA loan often means buying sooner and keeping savings in the bank. We handle the Certificate of Eligibility, explain the funding fee and exemptions, and structure the loan so the offer competes with conventional buyers.
Call Pacific National Lending for VA loans in San Mateo: (916) 526-2700
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San Mateo is a high-priced, fast-moving market where technology and biotech professionals compete for limited inventory and nearly every single-family purchase is a jumbo loan. Condos and townhomes, including the newer Bay Meadows community, are the entry point for many buyers, which makes HOA and project review an important early step. Instead of mortgage insurance, VA charges a one-time funding fee that can be financed into the loan, and veterans receiving VA disability compensation are exempt from it. We calculate the fee for your specific situation so the true cost of a VA loan in San Mateo is clear from the start.
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Housing includes 1920s and 30s period homes in San Mateo Park, Baywood and Aragon, bungalows in Hayward Park, 1950s ranch homes in Hillsdale, Beresford and Shoreview, hillside homes in Laurelwood, and new homes and condos at Bay Meadows. The VA appraisal checks value and the VA's minimum property requirements, which cover safety, structural soundness and sanitation. We help San Mateo buyers understand which properties are likely to pass and how to handle repairs when a home needs them.
Military families relocating to San Mateo from another duty station can complete the entire VA loan process remotely with us, from application to closing, and we are used to working around deployment schedules and PCS timelines.
We help borrowers with VA loans throughout San Mateo, including San Mateo Park, Baywood, Aragon, Hayward Park, and across the mid-Peninsula. San Mateo is a little over two hours from our Gold River office, and our Peninsula clients work with us by phone, email and secure e-signature.
For VA loans in San Mateo, 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: VA Loans · All loan options · Purchase · Refinance · Today's rates
Area photo: "B Street San Mateo 1 2023-06-03" by FASTILY, CC BY-SA 4.0.
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