First Time Homebuyer Loans
in Walnut Creek

Get Pre-Approved Today!

If you are a first time homebuyer, the Bay Area is an exciting place to build a life. This is a high-tech region with a booming economy. The weather is beautiful, and there is so much to see and do in the area, it is hard to know where to start.

As a first time homebuyer, you also may not sure where to begin when it comes to shopping for your first home loan.

At Bridgeport Funding, we can help.

First Time Homebuyer Loan Programs
in the Bay Area

There are many programs out there to help make homeownership more accessible and affordable to those who are shopping for their first homes.

As a mortgage broker working with a wide network of area lenders, we can connect you with these programs. Along with programs existing at the local level, there are state and national loan programs which are ideally suited to first time homebuyers.

State Programs

California Housing Finance Agency MyHome Assistance: If you are having a difficult time affording your down payment, this state program can be used in conjunction with a CalHFA first mortgage loan.

California Housing Finance Agency CalPLUS with ZIP: This is a state program which provides closing cost assistance.

Cal-EEM + Grant Program: You can apply to this program if you wish to upgrade a home you are purchasing with energy efficiency improvements.

CalPlus School Teacher and Employee Assistance Program (School Program): If you are in the educational sector, this program can assist you with your down payment and/or closing costs.

National Programs

Conventional: With the changes to the conventional loan program, it is now possible to get a down payment as low as 3%. This represents an excellent opportunity for first time homebuyers.

FHA: The FHA loan program insured by the Federal Housing Administration remains a competitive option for first time homebuyer loans. If you qualify for an FHA loan, your down payment could be as low as 3.5%. Credit requirements are relaxed enough that you do not need an ideal score.

VA: Eligible veterans, active-duty service members and surviving spouses will want to avail themselves of the VA loan program insured by the Department of Veterans Affairs. With a VA loan, you can purchase a home with zero down and no PMI.

What Makes Us Different

We are a mortgage broker rather than a lender, which gives us access to a wider spectrum of loan programs tailored to the needs of first time homebuyers.

We will work closely with you to find out what you could qualify for so that you do not miss out on an opportunity to save money and qualify for the best possible loan terms, regardless of your credit score.

We know that you will probably walk through our door with lots of questions. Our goal is to make sure that you have all the answers you need to proceed with signing confidently on a mortgage which is right for you.

Mike and his team hope to become your long-term lending partners. Anytime in the future, if you have questions about your loan, want to make a change, or are looking for a new loan, we are here to help you achieve your goals.

What Our Clients Are Saying

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
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 more
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Apply For Your First Home Loan Now

Moving into your first home is one of the most exciting experiences in your lifetime, and we are excited to help you make it happen. Please call us now at (925) 478-8630 to apply for your first mortgage.

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.

Get Pre-Approved Today!