Mortgages in East Bay.
The East Bay spans FHA-friendly starter markets in Hayward and Antioch through jumbo files in Rockridge, Piedmont, and Lafayette. Program selection matters more here than almost anywhere in the Bay.
$1,209,750 (Alameda / Contra Costa)
≈ $950K
Oakland, Berkeley, Alameda, Fremont, Hayward, Walnut Creek, Lafayette, Orinda, Danville, Concord
- Full-spectrum FHA, VA, conventional, and jumbo experience
- First-time buyer programs and down-payment assistance
- Renovation financing for 1920s Oakland/Berkeley housing stock
- Older housing stock appraisal issues
- Bay-window and foundation call-outs
- Rapid market shifts between subregions
Program pages written for this market.
Loan limits, property quirks, and lender appetite change county by county. These pages cover how each program actually runs in Alameda & Contra Costa Counties.
Conventional Loans in East Bay
The default program for most Northern California buyers.
ReadFHA Loans in East Bay
Low down payment, forgiving credit, ideal for first-time buyers.
ReadVA Loans in East Bay
Zero down, no PMI, competitive rates for veterans.
ReadJumbo Loans in East Bay
$1.2M-$30M loan amounts across banks and portfolio lenders.
ReadDSCR Investor Loans in East Bay
Qualify rental properties on the rent, not your income.
ReadBank Statement Loans in East Bay
Self-employed loans qualified on deposits, not tax returns.
ReadFix & Flip / Bridge Loans in East Bay
Short-term capital for acquisitions, rehabs, and bridges.
ReadHELOC & Equity Access in East Bay
Access equity without touching your low first-mortgage rate.
ReadReverse Mortgages (HECM) in East Bay
Convert equity to income or a line of credit at 62+.
ReadBuying rentals in East Bay? Qualify on the property, not your tax returns.
Most East Bay investors we work with never touch a W-2 loan. DSCR financing underwrites the rent the property collects against its payment, so portfolio size, write-offs, and self-employment income stop being obstacles. Short-term rental income counts with many of our lenders, and closings run in title-holding LLCs.
DSCR Rental Loans
No tax returns, no DTI. Qualify on rent versus payment, 20-25% down, unlimited financed properties.
See the programFix & Flip / Bridge
Up to 90% of purchase plus rehab for value-add projects, with closings as fast as 10 days.
See the programBank Statement Loans
Self-employed buyers qualified on 12-24 months of deposits instead of write-off-heavy returns.
See the programEast Bay mortgage questions.
Do you work with first-time buyers in Oakland?
Constantly. We pair FHA, conventional 3% down, and CalHFA-eligible files against local down-payment assistance to find the lowest total monthly cost.