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Mortgage Broker Walnut Creek CA | Home Loans | Bridgepoint Funding

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A mortgage tailored to you

Buy A HomeRefinance

A mortgage tailored to you

Buy A HomeRefinance
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Welcome to Bridgepoint Funding

Handing You the Financial Keys to Your New Home

Nothing is more exciting than being handed the keys to your new home in the Bay Area. For us, the excitement is in knowing that we connected you with the loan which unlocked that future for you.

Based in Walnut Creek, CA, we serve customers in the San Francisco Bay Area. This includes Martinez, Concord, Pleasant Hill, Alamo, Danville, San Ramon, Orinda, Moraga, Lafayette and throughout California. Whether you are a homebuyer, homeowner, or investor, we offer a wide variety of purchase and refinance loan programs which can help you achieve your goals.

Mike Trejo Owner/Broker

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Home Loans We Specialize In:

Conventional

With a conventional loan, you can choose a fixed or adjustable mortgage rate. You can pick a loan term which can help you pay off your home on a timeframe which is comfortable for you. A loan like this can be structured to help you achieve your homeownership goals.

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FHA Loans

If you want to buy a home in the San Francisco Bay Area with a low down payment, affordable interest rates, and easy credit qualification, an FHA loan could be just the mortgage product you are looking for.

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Jumbo Loans

A jumbo loan allows you to obtain financing which surpasses the limits set by Fannie Mae and Freddie Mac for conventional lending.

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VA Loans

Are you a veteran, active-duty member of our nation’s armed forces, or surviving spouse? Did you know your VA benefits may qualify you for an affordable mortgage with zero down and no PMI? With a VA loan, you can move into a beautiful Bay Area home now without a hefty down payment—even if you do not have perfect credit.

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Stated Income

With a stated income loan, you simply state an income figure when you apply and provide us with bank statements to back it up. There is no need to show us a W-2 or tax return.

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Reverse Mortgage

With this type of loan, you borrow against the equity in your house. You can receive the cash from your loan either as a lump sum or in installments.

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Why Choose Bridgepoint Funding Mortgage Company?

We are a mortgage broker, rather than a direct lender. That means that we partner with a network of reputable lending companies throughout the Bay Area and beyond to bring you access to the broadest spectrum of quality loan products. This allows us to offer you competitive interest rates and a large selection of loan terms. That way you can pick a home loan which is ideally suited to your individual needs.

We are here to guide you throughout the entire process. Mike and his team know that buying or refinancing is one of the biggest financial decisions that a homeowner will ever make.

We want to become your trusted resource for life and are always here to help. Many clients call Mike long after they have closed on their loan to seek his guidance and to ask for referrals to other professionals as well. Whatever the need, Team Trejo is here for you.

Walnut Creek's Top Rated Mortgage Broker


Bridgepoint Funding is located on 877 Ygnacio Valley Rd #210, Walnut Creek. From San Francisco International Airport (SFO) head northwest on US-101 N and keep right at the fork to continue on I-80 E, follow signs for Bay Bridge/Interstate 80. Then use the right 3 lanes to take the Interstate 580 E exit toward CA-24/Hayward/Stockton and continue onto I-580 E. Next, use the right 2 lanes to merge onto CA-24 E toward Walnut Creek and keep left at the fork to stay on CA-24 E, following signs for Walnut Creek/Concord. After that use the middle lane to take the I-680 N exit toward Sacramento/Concord and keep right to continue on Exit 15B, following signs for Ygnacio Valley Rd. Finally, use the right 2 lanes to turn right onto Ygnacio Valley Rd and Bridgepoint Funding will be on your right.

Monday - Friday 8:30am - 5pm.

For additional questions you can call us at (925) 478-8630.

What Our Clients Are Saying About Bridgepoint Funding Mortgage Broker?

Bridgepoint Funding, Inc.
Bridgepoint Funding, Inc.
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Alyssa McNair
Alyssa McNair
21:32 03 Jun 20
We loved working with Mike’s team! It’s been a chaotic time with the shelter in place and they held our hand the whole time and kept us up to date with everything! I will be recommending them to our friends and family! Thank you for all your help and getting us a lower rate!read more
Craig Bowen
Craig Bowen
01:37 15 Apr 20
I'm so pleased and honored to have been introduced to Mike in 2015 when i did my first refinance with Bridgepoint. After my first time doing business with them I told my wife they will be the company we deal with from now on. The staff at Bridgepoint are so professional and ready to answer any questions you have and never get frustrated when you ask a lot of questions like myself. When I send emails or text messages they respond back very fast. They make the process of refinancing very simple and stress free. I never felt pressured into taking a loan, I'm always advised only to do it if it makes sense. I like the fact you not only deal with the loan officers, but you also deal with Mike because he is always available for any questions, guidance or clarification. I just want to think Alex, Maily and Josie, these ladies are amazing and on point! Mike, you have my business for life!read more
Paul Rucker
Paul Rucker
20:48 10 Apr 20
My Team at Bridge-point Funding is awesome! Alex Oles has been an amazing asset jn providing educational excite and advice in preparation for my next real estate purchase. I am very thankful to have have Alex and the team at at Bridgepoint on my side! I would highly recommend to anyone looking for a refinance and/or mortgage funding services.read more
Cynthia emmanuel
Cynthia emmanuel
20:14 30 Mar 20
Bridgepoint has been my go to for several years now and for good reason! Every one of the staff is professional and they really care about getting you the best rates/deals! They followup with you and are so responsive! I enjoy my experience working with Mike and his team every time. Great Job!read more
Greg Thornbury
Greg Thornbury
18:20 25 Feb 20
When you work with Mike and his team you have a lifelong partner. Most recently he reached out and alerted me to the fact that I could save money by refinancing at a lower interest rate. This team quickly and professionally handled the refinance. I would highly recommend this team for any mortgage finance needs.read more
Anna Torres
Anna Torres
23:13 31 Jan 20
Mike and his team have always been a very trustworthy company and I have used them for over 8 years ever since I bought my first home to all my refinances. They are a phenomenal team with expertise that are top notch they make every funding process go so smoothly. I have recommended them to others and they have had the same experience. I highly recommend them for all your funding and refinance needs you will not be disappointed. Thank you Bridgepoint!read more
Catherine Lee
Catherine Lee
21:32 27 Jan 20
Always a pleasure working with Mike and his team. Knowledgeable and will get things done. I will not work with anyone else. At Bridgepoint Funding, you will always feel like they have your best interest. Open and easy communication and friendly staff.read more
Ryan Dale Rivers MS
Ryan Dale Rivers MS
19:03 27 Jan 20
Bridgepoint is an excellent broker who have reliably executed our initial FHA mortgage and then several refinances for me. Each of the refinances has saved me thousands of dollars, and several involved fairly important changes to the terms of the mortgage contract (FHA -> Conventional -> Rate Reduction -> Term Reduction & Removal of PMI). They know how to squeeze every last dollar out of a mortgage contract for their customer.They've always done a great job boiling down the complex stuff into the final numbers that matter: What's the cost and how long are we paying it? Those two numbers make for 6 figure differences over the years we will be paying off our home.I highly recommend them.read more
Supratim Mukherjee
Supratim Mukherjee
18:37 15 Jan 20
Mike and his team of talented professionals are amazing. We did a purchase and refinance with Mike and both experiences were top notch. It is great to know that they have your back and are always on the lookout for what is best for you. Being first time home buyers with zero experience (and a lot of 'helpful misinformation' from several 'well-wishers') Mike and his entire team made us feel very comfortable from the beginning. They were always available to answer our questions (and yes we had plenty) quickly and throughly. We didn't have to think twice before contacting Mike for our refi. Keep up the great work guys..!!read more
Stephanie Martinez
Stephanie Martinez
20:06 08 Jan 20
I’ve used Bridgpoint for my refinance 3 times. I trust and believe they all have my interest at ❤️. Mike and Alexandra and rest of the staff you are amazing. This is a very honest and reliable company to do business with.read more
Tina Miike
Tina Miike
00:47 07 Jan 20
We have worked with Mike and Kim for almost ten years now. They are extremely professional, proficient and friendly. They are always willing to go the extra mile. When a problem or time issue comes up they will do there best to help solve the problem and calm you down at the same time.read more
Bao Phung
Bao Phung
00:32 07 Jan 20
I have use Bridgepoint funding multiple times to acquire loans. Mike and his team are second to none in the home loan business. They always answer any questions or concerns in a timely manner. I can’t thank them enough for helping me get financing on the tough deals I have brought to them. They are 4 for 4 with being able to acquiring a loan for me.read more
Leon Schwab
Leon Schwab
00:20 03 Jan 20
Mike and his team were extremely helpful in helping my husband and I obtain the loan that we needed to get our dream home in Santa Cruz. They were communicative, efficient, easy-going & helpful during the whole process. We would highly recommend them to anyone looking for a mortgage lender.read more
Troy Hess
Troy Hess
00:27 01 Nov 19
The entire staff at this place is awesome. Extremely patient and when they say they will do something it gets done! Very trustworthy and affordable. They have won my business. Next loan I am heading back to Bridgepoint Funding. Mike Trejo and his staff were the best. I am so glad the referral from another friend cathy Turney worked out so well.read more
Sabrina Costa
Sabrina Costa
02:19 09 Oct 19
I can't even begin to explain how thankful I am to Mike Trejo and his team at Bridgepoint Funding. They were extremely patient with me. The whole experience had me leaving feeling so much better than when I came. From beginning to end, I know they had my best interests in mind and helped in so many ways. I for sure will be coming back when/if I ever need another home loan. I've highly recommended them to everyone I know.read more
Chenoa T
Chenoa T
14:46 07 Sep 19
Mike Trejo was recommended by my real estate agent to broker the loan for my new home. Mike, Alex, and Maily are a dream team. They made a somewhat difficult and lengthy process (I had some extenuating circumstances that made my escrow 60 days instead of the more standard 30 days) and they were so patient and professional throughout. They answered all my questions and made sure to follow up and check in on a timely and consistent basis with me, the lender, and even the sellers of the home I was purchasing. I really feel they went above and beyond what the standard broker firm would do. I am so grateful for their support and guidance through the process. If you’re looking for a broker you can trust and that will fight for you and help make your dreams come true, look no further than Mike and his wonderful team at BridgePoint!read more
Evan Doherty
Evan Doherty
15:35 26 Aug 19
We've used Bridgepoint four different times -- two new mortgages & two re-fi's -- and they've been amazing for every single one! They're timely, detailed and super friendly. The entire crew is very helpful and will answer any question you have - they make the entire process incredibly easy. Highly, highly recommend!read more
Phillip Lavios
Phillip Lavios
00:01 13 Jun 19
Mike Alex, and Mailly are the best to deal with when refinancing your home, they made the process seamless, and cery painless! They were very patient with me, and I highly recommend them to refinance your home!read more
seymur107
seymur107
06:23 25 Apr 19
Mike is a lifesaver! After I found my dream house, I was working with another lender who was bringing new problems every day and delaying the process and keep promising. After 6 weeks time waste they said they cannot do my loan. That's when Mike came in like an angel and saved us. In less than 2 weeks he closed the deal and asking almost no additional documents. Very smooth process. It was a hard lesson for me that its very important to work with the right people, especially if you making one of the most important financial decisions of your life. And Mike and his team are definitely are the best people for it!read more
Eyebrow Plus, Inc.
Eyebrow Plus, Inc.
21:55 17 Jan 19
We had a great experience with Bridgepoint Funding. The loan process was smooth and faster than we expected. The Bridgepoint team is strong and well-coordinated.Thank you Alex, Mike and Maily for your much needed help!F. Aread more
Stephen Jotten
Stephen Jotten
23:50 29 Dec 18
This was the most smooth loan process my wife and I were able to have. Mike and his staff made sure we did not lose our first house. It was a seamless process.
Armando Troche
Armando Troche
08:51 23 Nov 18
Bridgepoint Funding was effective, reliable, and efficient. We switched from a different lender to find a better interest rate. Mike and his team worked quickly to gather our documents, secure the best interest rate, and get our loan squared away. Now we're living it up in our new home!read more
KelliCardenas PS video
KelliCardenas PS video
14:21 29 Mar 18
I have been working with Mike, Kim, and Alex for a lot of years and all of them go that extra mile when it comes to professionalism and customer service. I have worked with many different lenders over the years, but Bridgepoint Funding is the best by far! They do not discriminate against anyone, no matter what! They treat every client with respect and fairness. I know from experience that if your loan process hits a bump in the road, Mike and his staff always remain calm and the end results are a closed loan and a happy client. I would highly recommend the Bridgepoint funding staff for any lending needs.read more
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Ready to Find the Right Mortgage for You?

If you are ready to take the next step in your journey of homeownership, please give us a call today at (925) 478-8630. We will set up a consultation where you can tell us what you are looking for in a home loan, and we can get you started on the application process. We look forward to handing you the financial keys to your Bay Area home.

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Bridgepoint Funding
877 Ygnacio Valley Rd #210
Walnut Creek, CA 94596
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Phone: (925) 478-8630
Fax: (925) 262-2141
Email: mtrejo@bpfund.com

NMLS #1005764
DRE #019219414
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Equal Housing Lender

Bridgepoint Funding is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age, because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. Disclaimer: Programs subject to change without notice. All borrowers must qualify per program guidelines.

We’re still here for you.

Bridgepoint Funding is committed to protecting the health and safety of our team members and community. As the situation with COVID-19 continues to unfold, we have taken precautions and moved our operations to 100% remote working. Rest assured that this transition has no effect on the level of service that you have come to expect of Bridgepoint Funding. We are here to serve you.