Home Purchase Loans

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Walnut Creek and the San Francisco Bay Area feature beautiful homes and neighborhoods, but also a steep real estate market.

To ensure that your housing is affordable now and in the future, you need to shop for a competitive home purchase loan.

In order to make sure that every customer’s needs are met, we offer a wide variety of mortgages.

We Offer These Types of Home Purchase Loans
in the Bay Area


With a conventional mortgage, you can purchase a home with financing up to the limit set by Fannie Mae and Freddie Mac for conforming loans.


If your financing needs exceed the Fannie Mae and Freddie Mac conforming loan limits, you can purchase a home in the Bay Area using a jumbo loan.


An FHA loan is insured by the Federal Housing Administration (FHA). With an FHA loan, you can purchase a home in the Bay Area or elsewhere in CA with a down payment of just 3.5%. You do not require a perfect credit score.


Another affordable loan type with flexible credit qualifications is a VA loan insured by the Department of Veterans Affairs (VA). You can purchase a home with zero down using a VA loan without having to pay for private mortgage insurance every month.

Stated Income

For Self-Employed. For borrowers with nontraditional income situations, we offer stated income loans, also called bank statement loans. These allow you to obtain financing without providing a W-2.

Which of These Types of Home Purchase Loans
Is Most Suitable For You?

On your own, it can be a challenge to figure which type of home loan will be most affordable and will help you to best meet your goals.

Some considerations are:

  • Your credit score.
  • Your debt-to-income (DTI) ratio.
  • Your actual income amount.
  • Your employment history and status.
  • The down payment you can afford.
  • Details pertaining to the home itself.
  • How soon you intend to pay off your loan.
  • How much you can afford to pay on your loan month.
  • What you can afford in terms of fees on your loan.
  • Whether or not you intend to purchase PMI.
  • Whether you have any special qualification status.

What Makes Us Different

Values Clients Over Profits

As a mortgage broker, we work with a network of lenders throughout the Bay Area and beyond. No matter what your needs are, we can find a loan which is an ideal and affordable fit for you.

Communication Is Key

We enjoy getting to know our customers. During your consultation, we take the time to ask you questions to better understand your needs.

Led by Broker and Owner

Team Trejo is here to help you now and in the future. At any point down the line, if you need assistance with your mortgage or any other lending needs, we are here to offer advice and connect you with options.

Going Above and Beyond

We provide you with the education, support and guidance you need to navigate the complexities of the mortgage process, streamlining and simplifying it as much as possible so that it is quick and easy.

What Our Clients Are Saying

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
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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Call Now to Apply for Your Home Purchase Loan in Walnut Creek

If you are ready to buy a home in Walnut Creek or the Bay Area, please call us today at (925) 478-8630 to schedule your consultation. While we are 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!