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
Buying 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.